I should say that I have not reached the "mid-life" point by any means.
The problem is that we had originally planned to have two children so that our children could have a brother or sister. When the orignal plan was made I thought the end of the world was coming and that my biggest concern in raising them would be their spirituality, not saving for college.
It is with a new outlook on life and firsthand experience at child raising that I am second guessing my plan. Kids are expensive, true, but they also require alot of time, energy and sacrifice on the part of the parent. The rewards of child raising, however sweet, will not fill a void in your soul - I know that.
However, any child brought into our family is going to be loved, encouraged and supported. He or she will be getting two loyal and dedicated parents. These are things money can't buy.
Anyway, my point is that this is not a fleeting thought or a way for me to fill any void in my life. I am too tough mentally for that - which is why I could make the hard decision to not have another child if my mind wins this debate.