Hi thanka2, i don't have similar experience as we just had our first.
Reading your post, my gut feel is that you might not be ready at this juncture, perhaps you can put the thoughts aside for now? As you are still young, you can 'wait' until such time when you feel that you are physically, emotionally, financially ready. That way, you may feel less overwhelmed
Husband+toddler+work+study+pregnancy do sound like a lot on the plate ....
"Young" is a relative term, I think. My age may not show it, but I've lived a lifetime in a very short amount of years and experienced many things that people one or two decades older than me have not. As I said, I have my reasons and 30 really is the window of opportunity for having babies for me. So, I really don't have that much time. I'd like to hear from those who chose not to wait until they were physically, emotionally and financially "ready." The truth is that I don't know a single person who could honestly say they were really "ready" in any of these aspects for having another child. (Because children bring surprises one could never prepare for--even if they had all the advice and knowledge in the world to turn to). Also, as I've said, finances aren't the issue for me (unlike some other families in HK who have babies based on the figure in their bank account--take the 2006-2007 "baby boom" for example which correlated with some of the biggest IPOs in history). However, there is something to be said for being as healthy physically and emotionally as one can be before childbirth but with me, there can always be improvement in that area--I doubt I'll ever get to the point where I'm like, "Yes, now I am as healthy physically and emotionally as possible....let's have a baby..." I could wait for the rest of my life if I was waiting for that. Also, being healthy does not guarantee a smooth baby experience--as caragn said pregnancy "doesn't agree" with some people. Having said that, I am taking steps to become the healthiest me I can be--not just for the sake of having babies but just because I need/want to do that for me.