Pause The Snowball For Fertility Treatments?

Eric and his wife are approaching their five-year anniversary and want to start a family. They want to consider some fertility treatments making $50,000 a year. Is it okay to pause the debt snowball for this?

QUESTION: Eric in Wisconsin and his wife are down to two debts they’re paying off. They’re approaching their five-year anniversary and want to start a family. They want to consider some fertility treatments making $50,000 a year. Is it okay to pause the debt snowball for this?

ANSWER: There’s nothing greater than having kids as far as I’m concerned. It’s been one of the biggest joys of my life. I can’t think that there’d be anything more important in my mind than that. You’re going to be debt-free in five months. I’d put it off five months. If we’re putting it off three years, that’s something else to talk about. But four or five months and you’re debt-free and then you don’t have to think about this…who knows? That may have an effect on the outcome to not have the stress in your life and the weight in your life. When you put it in terms of that, would I wait five months? Yeah, I would. Would I wait three years? Maybe not. It’s a personal call. The other thing that enters into this equation is if you’re 38 and you’re talking about this. You’re 25. It’s not to diminish how important it is, but it’s to say you’ve got a lot of time, and five months is not probably going to make or break whether you have a family. I’m going to be waiting is how I’m going to do it.