I have been lurking for quite a while and have only responded to posts. I would really like to hear other’s opinions on my dilema. My AMH is .286 and at 39 yrs old have been told that I will only conceive with the use of IVF and donor eggs. DH and I have a DD conceived on our first IUI (natural cycle). She is nearly four yrs. old and an absolute joy. We have been ttc for three yrs without success. A donor egg cycle will cost us about 30K. We are both teachers and all expenses will be out of pocket. I am terrified to gamble 30K on a Big Fat Maybe. If I choose not to have IVF, DH says that I can stay home with DD this last year before she starts school. We have paid off quite a few things and can now do this. If I choose IVF, I will continue to work and miss this last precious opportunity to stay home with my DD. 30K!!! That is a scary number, but I really want another child. I will be sick if we walked away from this without a baby and still had to pay off a 30K debt. I fear that I am being selfish and that money could be spent on DD college. We are supposed to start the IVF protocol with my next cycle, which begins in about a week. What have some of you chosen to do?