We are trying to decide whether to start IVF right away or wait until after we sell our house. We have about $19k in credit card debt right now that we have been paying down consistently for about two years. We expect to make about $40k on the sale of our house. Our shared risk program will be $21k, plus meds. After we sell our house and pay off the credit cards, we should save about $4k per month, more than enough to cover my meds.
We can't decide whether to go ahead and get a loan or put more debt on our credit cards to pay for IVF now, or wait until we sell the house and actually have the money in had to go forward with it. What would you do?