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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Would you take on c. 10K debt to have one chance of another child?

107 replies

ohcrapimuseless · 28/09/2024 19:58

Just it really.

Would you take on c. 10k to have the chance of having another child? (likelihood of one round working less than 20%, would need ICSI, multiple health / age risk factors associated with pregnancy loss / infertility / high risk pregnancy).

A friend told me they wanted to do 'everything they could' do assure themselves they had tried to have another baby hence doing rounds of IVF. But they are loaded / piles of inheritance / no mortgage so not needing to take on debt. It's made me feel like I'm not committed to giving my child a sibling and that I can't be sad because I'm not trying hard enough. I can't think straight on this and feel utterly overwhelmed.

YABU - I wouldn't take on that debt for less than 1/5 chance
YANBU - I would take on that debt for less than 1/5 chance

OP posts:
upat4am · 29/09/2024 12:41

In this exact dilemma at the moment. Currently doing a frozen embryo transfer round of IVF so it's cheaper (£3.5-4k) but it's our last frozen embryo. If this doesn't work I'm not sure.

I would have spent anything to have our first child, but now they're here it's harder to justify more spending on potential heartbreak when that money could go towards giving DC a wonderful, comfortable life.

I wouldn't judge anyone who did though. Infertility is horrific and destroys your mental health, so whatever someone decides is best for them is the right path.

Even if they're getting into debt. If they can service the debt, it's just money, it doesn't really matter especially when you might end up with a hugely loved, wanted baby.

user86345625434 · 29/09/2024 12:47

No I wouldn’t. Not for a high risk pregnancy with poor chances of success.

ohcrapimuseless · 29/09/2024 16:07

upat4am · 29/09/2024 12:41

In this exact dilemma at the moment. Currently doing a frozen embryo transfer round of IVF so it's cheaper (£3.5-4k) but it's our last frozen embryo. If this doesn't work I'm not sure.

I would have spent anything to have our first child, but now they're here it's harder to justify more spending on potential heartbreak when that money could go towards giving DC a wonderful, comfortable life.

I wouldn't judge anyone who did though. Infertility is horrific and destroys your mental health, so whatever someone decides is best for them is the right path.

Even if they're getting into debt. If they can service the debt, it's just money, it doesn't really matter especially when you might end up with a hugely loved, wanted baby.

Sending you love and best wishes.

weirdly I think I wouldn’t have done ivf for the first. I think I would have accepted (with great sadness) a child free/less life. Now I feel urgency for my child, and for myself as well but I don’t want my need for another child to be the overriding factor.

basically Ivf feels like v high stakes gambling. I cannot say how much I wish to be someone who could conceive and carry a pregnancy with ease.

OP posts:
LividSquid · 29/09/2024 17:41

I spent £25k on IVF to have my miracle, and I would have kept going until I could beg/steal/borrow no more. And I probably DO mean beg and steal. It was that visceral a need.

For a second child? Absolutely not if it could negatively impact the first. I lost my fertility fully to an ectopic after my first, and tbh there was something positive in that it blocked off the possibility of having a sibling entirely. A tiny amount of hope can be dangerous, I fully believe it. No hope is sometimes easier to handle.

I know secondary infertility can be awful, but I also believe wholeheartedly that it is entirely different to not being a parent at all.

GivingitToGod · 29/09/2024 17:52

CitrineRaindropPhoenix · 28/09/2024 20:02

I would be very nervous about it. It would depend on loads of things like age, current and future earnings, mortgage and how likely it is that it will be paid off by retirement, pension etc.

It isn't an easy question at all. Deciding to stop at 1 healthy much loved child and not taking on the physical and financial risk of ISCI is a decision nobody should criticise you for.

This and please try to stop comparing your situation to your friends. You have stated all the risk factors (irrespective of finance). Only u and your partner can make the decision that is right for u . Once u have made that decision, u need to ride with it and not torture yourselves with ifs and buts.
Enjoy your family life

GivingitToGod · 29/09/2024 17:55

ohcrapimuseless · 28/09/2024 21:03

Yes, probably. I have endometriosis. I have experienced v poor mental health in the last years (PND and tbh probably some level of post natal psychosis and OCD based on what happened). I can't see how pumping my body full of hormones wouldn't affect me a lot. Having said that I'm very used to high levels of pain and discomfort.

Also, I spend a lot of time feeling v sad anyway about wanting another child and dreading the day she asks about a sibling.

Have you considered adoption?

ohcrapimuseless · 29/09/2024 18:38

LividSquid · 29/09/2024 17:41

I spent £25k on IVF to have my miracle, and I would have kept going until I could beg/steal/borrow no more. And I probably DO mean beg and steal. It was that visceral a need.

For a second child? Absolutely not if it could negatively impact the first. I lost my fertility fully to an ectopic after my first, and tbh there was something positive in that it blocked off the possibility of having a sibling entirely. A tiny amount of hope can be dangerous, I fully believe it. No hope is sometimes easier to handle.

I know secondary infertility can be awful, but I also believe wholeheartedly that it is entirely different to not being a parent at all.

im sorry to hear about the ectopic. I totally TOTALLY agree with you about hope - you put it really well. Wishing you and your miracle little one all the best x

OP posts:
AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

GivingitToGod · 29/09/2024 17:55

Have you considered adoption?

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.

SoNiceToComeHomeTo · 29/09/2024 19:03

To have a first child yes; to have a second child no.

AshMapleOak · 29/09/2024 19:05

It doesn’t need to cost that much?

GivingitToGod · 29/09/2024 19:10

AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.

Edited

Agree, tends to be older children now

GivingitToGod · 29/09/2024 19:11

AllThePotatoesAreSingingJingleBells · 29/09/2024 19:00

Adopt one of the abundance of tiny babies just waiting to be rescued from the children’s home?

Very unusual now.

Edited

Agree, tends to be older children now

AmandaPleaseDotCom · 29/09/2024 19:43

If I desperately wanted another child and was physically up to it then yes I would, if I was confident I could pay it back.

If I didn't desperately want another baby for myself, just to 'give' my child a sibling then no I wouldn't. I think you need to truly want it for yourselves.

That being said, I think your medical history complicates things a lot and I don't think I would risk it in your specific situation, no.

I've got an only, she's absolutely fine. I'd have liked her to have a sibling but like you my health would have been at risk so we've made peace as a family of three. Having a a strong sibling relationship definitely enriches your life, but so can lots of other things that are within your grasp, it's not the be all and end all 💐

Notaseasyas · 29/09/2024 19:46

We found ourselves in the position of wanting a large family but facing a lot of fertility issues. We’ve spent around £150k over the last 20 years to have the family we wanted. Some big age gaps , lots of surgeries for me, numerous IVF cycles, 1 ICSI cycle, numerous ovulation induction cycles.

SnowSnow · 29/09/2024 19:58

I think personally for me I would try just so I wouldn’t always wonder what if?

upat4am · 29/09/2024 22:10

@ohcrapimuseless thank you for the kind words 💗 embryo transfer on Thursday so we have everything crossed.

Have you looked at clinics which offer multiple rounds for a set fee? Some even offer unlimited rounds over a set period of time and a partial refund if you don't conceive.

Also consider going abroad for treatment. Cypriot clinics are supposed to have amazing facilities and are cheaper.

Snugglemonkey · 29/09/2024 22:23

I really want to say no, stash the cash for your existing child. But I cannot, because it would be entirely hypocritical.

I took 6 things of ivf, years and a lot of heartbreak as well as a lot of money. But dc2 was totally worth it.

Snugglemonkey · 29/09/2024 22:25

We did ICSI, our chances of conceiving were 3%).

Snugglemonkey · 29/09/2024 22:28

ohcrapimuseless · 28/09/2024 21:59

Someone asked about age - I’m 40. My amh is 2 (! Which I’ve been informed isn’t just low, but the low end of low) plus male factor infertility plus gynaecological issues. Only one of my ovaries is functioning. My daughter was conceived without assistance but that was 4 years ago when both ovaries / tubes were working.

the clinic has a high rep but yes I suspect it’s more expensive than others. Going abroad etc isn’t an option I’d feel safe with. I have a v. complicated medical history and would be very worried about clinicians treating me not having access to all that information.

I just read this. My amh was less than 1 , plus male factor. That was before dc1 even. Why would your clinic not have the medical info?

Loonaandalf · 29/09/2024 22:30

No I wouldn’t, I would adopt instead.

MamOfGirls2 · 29/09/2024 22:31

We spent 40K. Although, we didn't get into dept. We had a choice a house deposit or a baby. My DC1 was my last frozen embryo. Our last ditch attempt. Would I have got 10k into dept? Absolutely. Would I do it with your risk factors? Hell no. Your allowed to be sad about it. It's not the life you thought you would have.

Shoesshoes87 · 29/09/2024 22:32

I did for first child. Won’t for a second. Happy with that decision.

ohcrapimuseless · 30/09/2024 06:41

Snugglemonkey · 29/09/2024 22:28

I just read this. My amh was less than 1 , plus male factor. That was before dc1 even. Why would your clinic not have the medical info?

I think - and maybe I’m just being ill informed here - that it would be difficult to transfer all my medical records to a clinic abroad? I’m basing that on the fact that the NHS seem to be unable to have a full set of my records if I go to different hospitals in the same trust…

some people mentioned adoption. I / my partner have always thought about fostering particularly (it links to both our jobs). So this is something we may apply / train to do when our child is a bit older. Likewise adoption. But those decisions are big big ones and I would want to be in a very stable place before taking further steps - it would have to be a positive decision to want to apply to adopt rather than a backstop because ivf wasn’t affordable or do able.

OP posts:
ohcrapimuseless · 30/09/2024 06:42

Sorry @Snugglemonkey can I ask was IVF successful with your AMH? The consultant made me feel a bit like 2 was game over!

OP posts:
dammit88 · 30/09/2024 06:48

If your previous pregnancy was considered highly life threatening to you - I assume another pregnancy would be too? In which case no I wouldn't. If there was a low risk of complications I probably would.

But to be honest this is something only you and your partner can decide. We are all different. it doesn't matter what your friend is doing. No option is wrong. You have to do what is best for your and your existing family.