Curious - would you go into debt to have a baby? We have a dilema... we currently have some debt, CCs, car loan, HELOC and student loans. All together it's $70,000. We have a strict budget and are currently snowballing to pay everything off.
BUT... the BIG but....
I want a baby! And the problem? I cant have one. Were currently working with the fertility department through Kaiser. Had some lab work and HSG done and there is no possible way for me to get pregnant 1) on my own or 2) with IUI. All I am left with is IVF. :'(
IVF starts at $8800 here.... Im kind of stuck on what to do. I have a couple options.
1) Continue my snowball - pay off at least the CCs and HELOC ($34,000) and then get IVF. This will take about 3 years. In the meantime my car will also be *almost* paid off. This will leave only the student loans.
2) Wait until all debt is paid to do IVF - uhm, this will take FOREVER.
3) Stop the snowball and start saving towards the IVF, continue to pay minimums on everything else as if I was still actually snowballing. This will take about a year.
4) Take out a loan for IVF and continue doin what Im doing....
Im torn. I really want to do #3 but I know #1 would be the smartest thing to do. I really dont want to wait 3-4 more years before moving forward. Curious if anyone has other ideas of what would be best. Pros/Cons, etc.
Ive posted this on another forum I visit but it happens to be my debt payment board and of course they say wait until EVERYTHING is paid which is uhm, like 6 years away and I dont want to wait THAT long!

