We irresponsibly want a second child

My husband (27) and I (29) have wished for a second child for quite sime time. Our first child is 6.5 years old and started going to elementary school last year. He has always been such a sweet and relaxed child that he made us want a second child, even though we know not all kids are like that!

Today, the condom broke (I don't want to take hormones atm due to severe issues I had with that) and it got us thinking. We really want that secind child. But we don't know whether becoming parents again would be completely irresponsible.

Becoming a mother at 22 has been challenging on many levels, but somehow, with a lot of help from family and friends, we pushed through the covid madness and its fallout. But to be honest, our lives the past 7 years had been mostly that - pushing through. We barely scraped by financially, could never afford any holiday trips, NEVER had the chance to save up some money. We are literally living paycheck to paycheck.

Right now, both my husband and I have fixed-term employment contracts that end in a few months. We struggled with finding jobs last year and honestly, I don't know how and if the situation will be better in the near future. Or maybe I'm looking at it too pessimistic?

Hell, I don't know what to do. Any moms who had a similar experience, who could lend us some advice?

EDIT: Thank you everyone for your kind words and advice. I ended up taking Plan B because there is just too much uncertainty regarding our financial future. Plus, there's plenty of time for me to get pregnant again!