Where does finances fit into all this? Having a kid costs a fortune :-(
I'm convinced many people aren't having children only because of the financial burden. Where's the obligation printed (in this fifth shulchan orech) that the parents have to bear the burden of deep financial distress to have more kids?
Actually can someone point out where there is ANY obligation to have more than one boy and one girl?? I'm pretty sure that's the only requirement.
There is clearly a requirement to have as many children as possible, chazal learn this from the posuk of "laerev al tanach yodecho".
This topic is not at all a "Fifth chelek of shulchan oruch topic". All of these halochos and heteirim are discussed at great length in shulchan oruch E'H siman alef.
The consensus is that one cannot push of the mitzva for financial considerations.
See the B"S seif katan 17 where he says that if having kids will cause fights, one can push off...
Point is, speak to a competent Rov to discus any personal considerations. Many times though, if the couple would have healthier hashkofos they would not have some sheilos or hetirim because some things would not bother them so much. This is where hashkafa gets in to this topic.