Everyone I know who wanted more kids wanted them before having 1 or 2. And it is almost always the men who wanted more kids, as women are more cognizant of the sacrifices and risks.

And this applies to financially secure couples in the US who willingly stop at 1 or 2.

“Everyone has a plan until they get punched in the face.”

When we were dating my wife always said she didn't want to have an only child. I was fine with only having one but always assumed we'd have at least two.

After going through pregnancy, she decided she was fine with never doing that again. Her's wasn't an especially difficult pregnancy, she simply didn't realize the toll it would take on her.

So we have one kid who is about to leave the nest.