<prompt> Human: Im hoping you guys can give me some advice. My husband and I are doing IVF next month, which will cost us about 8,000 when all is said and done. I really want to go about paying for this the best way to get the biggest bang for my buck. I currently have an HSA account. Between my contribution and my employers contribution about 200 or so gets put in per month. I have a few hundred in it right now. I know I can use the money I put in towards fertility treatment but the problem is that I have to pay about 5500 up front at the start of the cycle-which will be in about two or three weeks.I have about 10,000 saved in my bank account right now. I could just pay for this all and clear out my bank account but that makes me really uncomfortable. And makes it so the HSA doesnt do much for me. My plan if the IVF doesnt work is to go on vacation together and figure out a different life plan, so Id like to have some cushion for that and just for emergencies.I also have 1,000 in a mutual fund that I could cash out. But is this worth it? It has grown by several hundred dollars in the last couple years. Should I pay for it all up front out of my checking account? Or should I get a loan for part of it? If I do use a loan can I use my HSA money to make payments on it-since it was for medical costs or does it not work that way? I know I can get a medical loan with 0 interest for one year. The debt we have to worry about currently is our mortgage and I have about 600 in credit card debt-which is at 0 interest for another 6 months. I also owe about 500 in other medical bills right now that I need to pay off rather soon. We also have a loan for our last tax bill with about 2,000 left to pay. Word to the wise-if you are married with no children and make a decent living the government will tax the hell out of you!Just to be clear, I am not asking for advice regarding my choice to do this. I am only asking for advice on how to finance this the smartest. Thank in advance for your advice!Assistant: Since youre set on doing it, I would say use the HSA to pay off the other medical debt and take out the 0 loan to pay for the IVF. Then make sure you pay it off by the end of the 0 period, no exceptions. It would probably help you to post full income, debts with interest rates and expenses. Then we could help you get your spending under control, because if the IVF works, your expenses are about to go way up. Keep in mind that since you have an HSA you also have High Deductible Health Plan, so pregnancydelivery may be very expensive out of pocket. About your word to the wise, the government taxes you at a published rate and provides many free tools to determine your estimated tax load throughout the year. There is no real reason to owe the IRS money, besides incompetence and poor planning. Dont blame the government for that. Human: Thanks for the advice. But why the hostility? We just werent aware of that we would be taxed at such a higher rate once we got married. Combined we make a little over 100,000 a year. My spending is under control, as evidenced by the fact that Ive saved up 10,000 in like two years. Ill have enough money to take care of a child, if that is what you are implying.edit: My deductible is 3,000 so by the time the IVF is done Im told these expenses would work toward the deductible I will have paid off the deductible.  <response>: Its actually more likely that your taxes benefited from marriage since there is no penalty at your income level.I agree that you should think about re-adjusting your savingspending ratio, given that the IVF will wipe out almost all of your savings. Id also consider moving the IVF to January unless the deductible will roll over to 2015. 