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[quote=Anonymous][quote=Anonymous][b]I don't know why this has turned into a weird IVF thread.[/b] I had IVF. We paid hardly anything because our insurance covered it. If you are griping about imagined IVF costs, move to Maryland or work for a company based out of a state like IL, TX, or MA. It isn't productive to discuss delaying kids and finances. The truth is unless you are making 300k and have no debt it always sucks in some way. You figure it out and a have a few lean years but then daycare costs drop exponentially and quality of life improves.

I think the real point of this thread is the financial pressure that people who are supposed to be well off feel.  It is a strange place to make 200k a year and have a 400k mortgage and 400k in student debt. Everyone expects you to be rich or something and you aren't. I am having this issue with my parents actually. Both my dh and I have great jobs and advanced degrees and have a lot of student debt in addition to our mortgage. My parents refuse to buy anything for our kids because they think we are rich. My sister on the other hand owns her house outright, has little to no student debt, and has four kids. She makes a very good salary but her spouse stays at home so they only have one income. My parents think of her as poor.  But the 80k she makes is hers since there is little to no debt or mortgage or child care costs. There really is a difference in having and not having debt.[/quote]

It turned into an IVF thread because people who make poor financial choices always have an excuse for their behavior.   In this case, they had to go ahead and have kids and pay thousands in childcare costs because of infertility.

Really OP should have lived for 3-4 years in a studio rental without kids or even cars and paid 75k off of their loans each year.

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