Difficult to know how much to answer without giving away my identity. I really want kids and always have. My life has not followed what you could call a conventional trajectory. Some if that my choice, some not. We are trying, and have enough money for fertility treatment, but if I takes multiple attempts it would seriously run down our funds. I'd like to build them up more so we can have as many tries as possible without sweating it. In addition neither of us has family friendly jobs, and both have plans to retrain for careers that will fit better with parenthood, but that too will take time and money. The reasons we haven't done so yet are complicated, so I won't go into them. But we are where we are.
In addition I've put on a lot of weight in recent years and while the doctor told me I'd still be a good candidate for IVF, I want to be as fit and healthy as possible going into an older pregnancy, so I'm working on that.
Having looked at the statistics for IVF with your own eggs I'm just not interested, as even though I have a good ovarian reserve, that's no guarantee of egg quality, though I'm doing all I can to boost that too. Basically I'd rather do donor egg IVF in my mid to late 40s when I know my situation is optimal and I can focus entirely on mine and my baby's wellbeing, and when hopefully I'm in better shape than I am now (getting there already!) than try with my own eggs now with low chances of success and lots of stresses hanging over my head.
If it makes any difference DH is a few years younger, we live in a country where fertility treatment is much cheaper than the UK (although I've looked at clinics in different countries) and later motherhood is far more common here.