I’m going to add a little something here even though it was not addressed to me.
We have 4 kids. Well, the 4th is due in december but for the purposes of this answer we have the Expenses of 4 kids. We have made some hard choices. But we are very blessed. I am a stay at home homeschooling dad. I dont work. My wife does. She makes a modest but decent wage. We have no plans to “limit” our family to conform with modern materialistic society. 5 kids would be quite easy to afford. Sure, we can’t put them all in ski lessons every year, we drive a minivan instead of the cool cars we want, and we bought our house when we had 1 kid at the top of the bubble so we are stuck in our home for a while so we just pile kids in rooms. It is quite easy and joyful. Fortunately we have grandparents and family who provide us with some pretty cool things for the kids, ski lessons, swim lessons, ballet etc. We live in an affordable area of the country. But even without any of that our lives would be more than complete. The idea of “how in the world” do you afford 5 kids is indicative of a broader societal problem that sees children as burdens and things that get in the way of our selfish “needs” of luxury. We are a 1 income family who has made sacrifices and choices to follow God’s will for us, not our own will. Every day I wake up I cannot wait to get the children up, every time I think my life is perfect it just gets better. does that mean that sometimes cleaning up poo smeared all over a crib is not fun. Absolutely! But I hope I get to do it for as long as God blesses us with children. Our job as parents is to raise saints. If it is God’s will for a family to be more “fruitful” than 2 children I have no idea why you would ever think of telling Him no and think you will not have to answer to Him later.
Curious? Why only 2? what is so "magic about that number? Why not just 1 or 12? Why is 2 the optimal number of children for so many? Honestly 5 kids is not that more expensive than 2. Unless you shop at the Gap, and want to send them to harvard and they expect to get every princess toy disney wants to sell them.
Disclaimer. I understand that many cannot have more than 2 or any children for that matter. I also understand that the OP did not specifically say that the OP’s view was to limit oneself to 2 children. I also understand that finances can and do play a big part of discernment.