Just my 2 cents. I have two kids under two and have taken out a loan so I can use the additional unpaid maternity leave to stay the extra time at home with my newest little one.
I had a terrible time ttc and carrying babies and I think finance and worries can add to things no end but once you have your kids they are worth every single penny and more you ever spent and the financial worries for me are there still but the kids are not a major impact on this.
Things work out....dont know how but they do! Going back to work in a few months and will clear my debts I hope by mid-next year fingers crossed and belt tightened.
I wish you all lots of happy times ttc and dont worry it all works itself out in the end and you will have amazing little people to share your life with