Really want a third baby but don’t think we can afford it :(

I’ve always dreamed of having three kids. Now that I’m 33, my husband is 34 and our girls are ages 5 & 7 I feel it’s the perfect time to have our last baby but with inflation of everything these days I feel like we would be putting ourselves too tight with money if we had another one. But I just don’t feel done, I want one more so bad and I can’t shake the feeling. Saving for their university, activities (they’re both in competitive dance and swim) cost of food, maternity leave and then daycare etc just all makes me so scared and nervous and makes me feel like we should just stick with two. We have done up our budget and although we can afford it things will be tight for sure. Can someone please give me some clarity or advice on this situation? Would it be wrong to just go for it considering I know it will put us tight and stressed? I would sacrifice no vacations or extra things for a third baby but just don’t feel that’s fair to my living children or husband.