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[quote=Anonymous][quote=Anonymous]Totally honest question here.  If you can't save for the fertility treatments, how are you going to finance the baby?  Daycare in this area is like $18,000 a year.  Add to that diapers and incidentals, you are at $20k.  So, if you save for a year and then continue to save at the same rate during treatment while paying for treatment out of savings, you have it covered.  [/quote]

Financing the baby is not the problem.  We have DC #1, who will be out of daycare by the time the next one (hopefully) arrives, so we will just continue on with the same daycare bills.  We already have all the baby gear we need and diapers/formula will be added costs that we can incur.  And, I have saved up enough vacation/sick time at work to cover maternity leave.

I was thinking more along the lines of a $30K loan - we can pay back in chunks to some extent through flex spending, work bonus, taxes, cutting current costs in our budget, and saving less.  However, a $500-600 payment/month really isn't in the budget (unless we stop saving).  I think we could swing it but we are in a condo & if we wanted to move to a house with a bedroom room for baby, we wouldn't be able to afford a larger mortgage payment on this budget.  Plus, I'm trying to justify the cost, knowing that if we didn't spend that $30K, it could go towards our DC #1's college fund, vacations, etc.  Just wanted to hear how others are making this work.  Sounds like it makes sense to save for awhile first.

Also weighing our options with NCIVF vs. DE.  The success rates are so much lower with NCIVF - but so is the cost.  We're wavering on whether to try that first.  After 2 years & many disappointments & bumps in the road, we just want the best chances at success.

PP - hw much does your accountant charge?  Do you think it's worth it to get some profeesional advice on how to do this?[/quote]

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