Absolutely.
So did time.
So did health concerns.
So did lifestyle choice.
So did my choice in husband.
So did so very many things.
It wasn't like there was any ONE thing that needed to be overcome. A single thing is a challenge, but -in my experience- not that big a deal. It's when one starts layering in multiple reasons, considerations, hesitations... that it becomes a real dilemma/problem.
To me... I'm hearing that it's not just financial. You also want to go back to school. Have started school when my son was 2mo old (he's now 9) I'm pretty blase about school and small children. Yeah, it's more challenging than going to school without children, but so is working a 40hr a week job once one had children. Kids are game changers. That's just all there is to it. Could you start school, go to school pregnant, take a quarter off for the birth, and go back to school? Sure. Less difficult than doing the same at a job (fewer hours to cover, breaks every 3 months for a few weeks, only a few days a week to get covered for childcare instead of all day every day)... yet soooo many working parents say "I could never go to school with kids!" LOL. Not the same way you went to school without kids, but you don't go to work the same way you used to either! And school you can take as many days off (sick kids, tantrums, etc.) as you like and you're not going to get fired. Heck, you can take a whole 3 months off during a challenging period, or even a year, and then pick right back up again. To my mind, being in school with young children is pretty ideal. Best of both worlds. Doesn't make it easy, though. The time commitment is pretty huge.
Again... nursing around the clock, no sleep, weight gain and other "fun" body things, mood swings... not easy.
Again... being low on cash, needing to figure out childcare x2, where to put the 2 foot long human that takes up 40 acres of space (they're like cats that way, aren't they? It's like the never took a physics class. Or physicists don't have kids.), so maybe needing a larger living space, or a new car, or not being able to do x, y, z.
Time and money issues.
Relationship issues. You & your husbands... you and your daughters... your daughter and your husband...
I don't know. Maybe it's just me... but it just never seems like it's about one thing. One thing is easily fixed. It's the stack of problems that tip the scales.