<prompt> Human: My SO and I are starting the process for IVF. We are paying out of pocket because our insurance doesnt cover and we dont live in a states that requires it to. Typical costs run about 20k to 30k. We have the cash but we cant easily afford it and it would set us back from our retirement goals. We are both fortunate to have parents who could help and as of now, we are expecting inheritances. SO doesnt feel comfortable asking but would accept if offered. I wouldnt directly ask but I have a feeling that my dad would offer. Hes always asks if I need money and has said that the money is mine; hes either giving to me now or later. So, my question is should we pay for it ourselves because we can even though it wouldnt be financially responsible or ask our parents?  <response>: Bringing a child into the world while you are in a financially precarious position not ideal. To give your child the best life possible, you need to make the most financially responsible choice, and that would be have a discussion with your parents. You are lucky to have parents that are supportive, and I am sure they would love to hear you lay out this information and come to decision as a family. 