Deciding whether to have a first baby is not all that different from deciding whether to have the second. Some people wonder if they should be a "one-and-done" couple, who stop at one child. Life is tougher than ever, and raising one child is a big challenge. There is all the disciplining and making sure he or she stays on the right track, studies hard in school, is kind, and turns out well. Then, there is the crazy financial burden. Having kids is expensive, all the more so if you hope to send him or her to college or for a masters degree someday. You have to consider the time and money when making a decision. But then there's your heart. Your baby will tug at your heart, and he or she might stir the desire in you to have another. You might also like the idea of providing your son or daughter with a sibling, someone with whom they can grow up, squabble with, and love like no other. It is hard to decide when the head and the heart collide. So, you and your spouse have to undertake yet another big talk - should we be a "one-and-done" couple or should we start trying for baby number two? What do you think? How are you approaching this subject?