How we paid for IVF without going into debt

Something we left out of our IVF week 2 post was that on the Friday Desiree got the ultrasound we also paid for our IVF in full. The grand total was around $15,000 – not an easy amount to write across a check, especially for something we’re not sure will actually work.

Like I’ve written before we never thought IVF would be an option for us. Neither of us come from wealthy families, we’re not living on any trust funds, we’ve never received any inheritances or been gifted any extremely large sources of wealth in cash or assets and we’ve both worked steady jobs since we were 15 years old. On top of that, neither of us have completed any college degree or any sort of certified vocational training. Just before we got married we did something really stupid, we both financed brand new cars, not to mention the credit card debt we had each previously racked up. And so we started our life together living in an apartment with a combined debt of nearly $35,000. Dumb, because it was unnecessary unlike wiser debt such as student loans or a mortgage.

Around 2005, through friends and church, we learned about Dave Ramsey‘s book, The Total Money Makeover; a plan for getting out of debt and becoming financially free. After a season of extreme and often painful sacrifice we finally unloaded all our debt in 2008. It’s been one of the best things we’ve ever done. We’re currently on Baby Step 6, but have paused in order to save money to cash-flow infertility treatments. If we do become pregnant we’ll drop back to Baby Step 5, saving for our child’s college education.

In 2007 I started my own business and it created enough income that we were blessed to have Desiree quit her job and become a homemaker. This was a big deal for us, a goal we often talked about. All Desiree ever wanted to do was be a Mom and a homemaker, I love that about her.

Last year, by the grace of God, we had an unusually good year and so because we’re debt-free we were afforded an extra amount of income to put towards our treatments. This first round of IVF has almost completely emptied our savings. The little we have left will be added to each month as we build it back up for a second round (our clinic offers the second at half cost) in case this one doesn’t take and if we decide on it when the time comes. Or God willing we’ll gladly spend it all on the costs of having a baby, or two.

Infertility adds a touch of bitterness to life and our finances are no different. It’s tough not being able to spend our hard-earned money on things like a second car with low gas mileage, painting the house, a couch that’s not broken, repairing walls and a bathroom floor that looks filthy even when you can eat off it. Even though it takes some convincing we know those things are wants and not needs. When we think of all the things we want, and we often do, we remind ourselves that we’re actually in a great place financially for what we’re going through – not everyone has the opportunity to do IVF. Is our situation the best? Are we independently wealthy with endless funds for treatments and adoptions? No, but we’re happy and blessed to be where we are.


4 thoughts on “How we paid for IVF without going into debt

  1. decor14u

    We are very proud of the way you both went about this process and prioritized..and yes you are blessed in many ways!

  2. Claire de Jongh

    You and Desiree have your priorities in the right place. Our daughter and her husband took the same financial course you did. And it is helping them a lot. Continuing to pray for both of you that God will bless and strengthen you as you go through this process. Dear Lord, be with Desiree and Justin, as they go through this time in their life. I pray that you will answer their prayers and give them the desires of their hearts. May they have the peace that only you can give, and may they have positive results from the treatments Desiree is receiving. I pray this in Jesus’ name amen!

  3. Pingback: The follicle situation | Young & Barren

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