i'm going to share my experience to tell you what came up in my head while reading your post. i have PCOS and only found out when we were doing our pre-ttc testing with our first RE. up until then, i had always assumed i would carry my children, or at least one of them. since my partner is older than i am by 6 years, she "went first" so to speak, and because we didn't have a KD and sperm was a whopping $705 per vial plus shipping and storage fees, we decided that each month was already expensive, so why not do everything possible to up our chances. which meant doing each insem through an RE, using a trigger from the first try, clomid from the second, and progesterone from the 3rd. we got pregnant on the fourth, and so far so good. i am a grad student who depleted a $10k savings account for sperm and insems, lady has great healthcare with really homophobic (and anti-single mother too btw) rules, so we would only get coverage for up to $20k of IVF (which varied from covering 2 cycles to all but $4-6k of 1 based on which RE practice we asked) once we paid for "six failed IUIs through an RE." we also didn't know that until the month of our first insem. so this whole process has been finding out totally game changing information and just trying to adapt, because the end goal was the most important thing. we knew we would do whatever it took to have children, starting with ttc, then going into adoption/foster/other options, but having a bio baby was our first choice, so we invested in it. heavily. money is a LOT tighter than it used to be, but like someone above said, think about a month of day care. depending on where you live, that's $1200, so our insems, which cost sperm plus $700-$900 plus meds (triggers were $90 and clomid was $10, i believe) were more than that, but not absurdly so and just for four months. at the time, it felt like we were insemming and failing forever, but now i realize how incredibly fast that was. [oh no i just heard my cat puke in the other room. can't wait til our lives are filled with even more spit ups and vomits to clean...! but i digress] so i guess what i'm saying with all of this is, a) keep checking in and evaluating your "for the time being" plan based on the information and motivation you both have at each point. it can change, but do your best to stay on the same page not only about finances and trying, but also backup plans and time limits. and even if you say "3 more months and that's it" or whatever, check in AGAIN at the end of those 3 months, because maybe you've changed your minds. b) things just dont' happen the way you plan. they really don't. and if you move forward with ttc, there will almost certainly be more surprises and shake ups ahead. but for something you want, that's going to feel unsettling but also perfect. like i said, i always imagined carrying my child and having savings for that child's LIFE, not just its conception, but i'm just happy to be on this ride, you know? my experiences with this process have just taught me to reprioritize from time to time, and to revise my vision of what this was going to be like. and to roll with the punches so long as we both think it's worth it. good luck with figuring out your next steps.