My girls are 3.5 and almost 1. We are considering having a third when the baby is 3 or 3.5. The challenge is we both work full time, and I am only 3 years into my 10 year loan forgiveness program. I really don't want to work full time with 3 children, and wish I could spend more time home with my children now. My husband always says that after my loans are forgiven I can work part-time. That would mean that I could start working part time when my children were 10.5, 8, and 4-5. This is the opposite of what I think most people do, which is to work part time when they're little and then go back to work.

Does anyone have experience working full time with 3? I work 40 hours and my husband would be working 40-50 by that time (closer to 60 right now). And does anyone have experience working full time when they're little and part time later when they're in school?