Moving Forward With IVF

Cassandra and her husband have been trying to start a family by using IVF treatments. Should they pursue another treatment in the middle of the debt snowball?

QUESTION: Cassandra in Las Vegas and her husband have been trying to start a family by using IVF treatments. They’re putting $2,000 a month toward debt and cash flowing private school for their daughter. They have $45,000 in debt left and need $18,000 for another treatment. Should they pursue another treatment in the middle of the debt snowball?

ANSWER: I guess the question on the table is do you delay your debt snowball for nine months? What would Sharon and I do if we were in your shoes? We would.

I never like having a conversation where there are only two options: $18,000 or not try. Those are the two options you put on the table. I want three more options. I want to dig into this even further. I really want to try to find if there’s another trial somewhere that someone’s doing. I don’t know. I don’t know anything about what I’m talking about here, except that I’ll tell you we have always found that decision- making is easier if you have more than two options. Right now, you have two options: $18,000 or nothing ... at 38 years old. I don’t like making decisions where there are only two options, but if I’ve got to choose children versus money, I’ll choose children. That’s what it comes down to. It’s one of the best things that’s ever happened to me. I’ve got three wonderful kids. Actually, they’ve even married a couple more wonderful ones, so now I’ve got five counting sons-in-law.

That’s what we would do, but I want you to dig up more options. I want you to look closer at this budget. I want you to have applied yourself in every possible way you can apply yourself to this situation and then decide what you’re going to do from there.

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