Budget and TTC??

inlovewithB

How are you budgeting while TTC. We are have been talking about when to draw the line with TTC and moving on to adoption and it is partially based on $$. We know adoption (newborn domestic through an agency) will cost up to $40K, and if this cycle doesn't work we will need to move onto IVF with PGD, which will cost us around $15K. How are you factoring your budget into TTC? 

If it were up to MH we would keep trying until our savings runs out, but I just need to set a "limit". 

damabo80

Thankfully, DH and I both have IF coverage. Each of us has 6 IUIs and $10k that can be put towards IVF/FET. Still have to do co-pays, which ends up running about $200-$500 each cycle, but we can thankfully weather that cost, as it could be a lot worse.

But, once the IF coverage runs out, then we'll look towards adoption. It would cost the same to do 2 IVFs or 1 infant/under the age of 2 adoption. At least with the adoption, we know that we'll bring a child home. The IVFs don't have that insurance.

Plus, since my eggs are crap, I know I'm not going to be a super producer of eggs. My body said "whatevs" to 300iu of Follistim, so my drug needs (if OOP) will up the cost of our IVF significantly. I don't think we would do it if we didn't have coverage.

inlovewithB

damabo- thanks for sharing. It must be awesome to have IF coverage!! 

Ann003

We have some IF coverage, but after that runs out we would use savings and probably take out an equity line.  Ditto for adoption.

RunSchwartzRun

I am the wrong person to ask since clearly I am struggling with this question right now.  If I was able to utilize our full income I would say we would probably limit ourselves to 1 IVF since we already have a child and it is cheaper than adoption.  At least then I could say that I had tried everything but still preserve some sort of financial stability for my family. 

I am sure if we didn't have a child my answer would be like your DH's...we keep trying until we get a baby or go broke.  I think this is one of those things that warrants that, but that is just me.  I hope you don't have to make that choice.  ((hugs))

inlovewithB

Schwartz- thanks! I really hope we don't have to make this decision, but I just have a habit of "putting the cart before the horse".