Don’t ever minimize 4 children. Just as you hesitate to take on M.R. I would hesitate taking on a kid, much less sign up for 4 for a minimum of 18 years, but more like lifelong. That’s a lot. I don’t know whether to applaud you or call you crazy 😉
I’m sorry. I was under the impression you were a homeowner. My mistake. Now I understand why M.R. is such a consideration and factor.