R.G.
Wow! am going through the EXACT same thing as you. Child out of wedlock, biological father is unwilling, met my husband who is WONDERFUL but I would like another child for the sake of my 4 year old daughter but can't get past the 2 different father's stigma.
What has helped me some is since my daughter's father is UNWILLNG to be a father and my husband is the only real daddy that she has known. I am in the process of changing her last name, even though he is not adopting her but so she can feel more like he is her daddy (if that makes sense) instead of carrying the name of someone who isn't around.
And then I just plan to take it step by step. which means if it (I have another baby)happens good, and they will both have the same last name.
2nd- You should get married first before having the child.
3rd- Every pregancy is different so you may not have a "bad" pregnancy the second time around.
4th-You never be totally financially ready-no one is unless you are a millionaire and even then I question it. Just trust God that if you have a second child it will work out just like it worked out with your first child that you weren't prepared for (financially or otherwise).
5th-I do understand and even at 37 I still have issue with having a child out of wedlock sometimes. But when we are out with people who don't know us people think that she is his child and they say if you feed a child long enough they'll begin to look like you-and I have had MANY people say "she looks just lke her daddy". LOL. My point is no one can dispute a LOVING family.
FOLLOW YOUR HEART!
I would love to hear what other women have to say. Thanks for asking this question though. SMILE!