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[quote=Anonymous]I agree it might not be that expensive if she has the embryos already.  Do you know what she has?

I can definitely empathize with her.  I just had my second child and it was an incredibly long and expensive process.  But I so desperately wanted her, I did a lot of things I would have previously thought were a bad idea.  It was a humbling experience.  I just wanted her so badly, stuff like retirement savings meant nothing to me, even though I'm normally very financially prudent.

Don't forget to consider your niece's interests here-- a sibling can be an amazing thing, and it may make life much easier for her when caring for her mother as an adult.  You can borrow money for college, but the opportunity to have a sibling is only in the present.

Why is your sister's financial situation so bad?  Would she be able to manage if she tried, or is she an over-spender?  I do think it's obvious to point out that trying for another kid will cost money, but maybe you could steer your sister to some professional financial advice.  Sometimes it's easier to hear a reality check from someone who isn't a relative, and it's often a lot more persuasive.  [/quote]

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