If things get too tight I will take on another child or two, or we will discuss our options. The best thing you can do is to talk openly with your husband about what he wants, what the family needs, and what you want, and try to reach a compromise. Also, I recommend listening to Dr. Laura Schlessinger's radio program. I am blessed with a husband who still remembers his loneliness for his mom when he was at the babysitter. If the father has concerns about finances, there are many books on frugality at the library.
Some moms say that they are working when the kids are small to save money for college.
You will still have to do all the things that nobody else did while you were gone all day. You both will be tired and busy, and your child won't get the nurturing from you she needs and deserves. Time goes too fast and we can't get it back. Money isn' t the only thing to think about here. You will always need it and find more ways to spend it.