Must just add one thing... My Mrs had an IUD, which got put in again after my daughter was born. Then removed... when we wanted my son. Then another one put back in. These as I understand, have a 5year life. So I had time to do the snip. Did it around 4.5years through, and did about 4-6months before i went for the squirt in a cup. Wife removed the IUD... Now the wife has no issues at all, no overly heavy flows... kids are happy...
Was a scary thing to do - waiting in the waiting room for the procedure. But its a wait off our shoulders. Don't need any further offspring... would require me working more, wife would probably stop working, bigger house, cars etc etc.