Resolve To Know More About The Cost Of Infertility: Financial, Emotional, Spiritual

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This week is RESOLVE’s National Infertility Awareness Week, and the theme is “Resolve to Know More.” The meaning of resolve is 1) to find an answer to 2) to settle or solve something 3) to reduce by analysis 4) to reach a firm decision about 5) to deal with successfully.

Infertility costs. The price infertility charges you will cost you financially, emotionally, and spiritually. No matter how long you have been on this journey of infertility, decide together right now with your spouse to resolve the cost of your infertility.

Financial Cost

My husband and I were prepared and blessed to pay for fertility treatments without going into debt. It wasn’t our choice to wait nine years for a baby, but since that was how long it took us, our DINK (double income, no kids) status along with my husband’s innate frugal mentality prepared us for this financial obligation. Still, we covered our steps and decisions in prayer and carefully considered the costs of adoption and fertility tests and treatment options.

Financial stress is consistently one of the leading causes of marital problems, according to Dave Ramsey’s Financial Peace University. If you become blessed to bring home a baby after the expense of adoption or fertility treatments or both, the actual cost of raising a baby or multiple babies would be additional financial strain. My purpose in sharing this isn’t to advise you to go into debt or not go into debt to have a baby. Having children was very important to us, and now that we are blessed to have one, we can say he was worth every penny. Once we had our son, our finances were a bit more of a strain, as we made the decision that I would be a stay-at-home mom, yet God has provided all of our needs.

Couples must still depend on prayer and God’s provision, godly counsel, common sense, and creativity to decide together how to have a baby. Besides prayer, we can go to godly counsel, and for godly financial counsel, one such source would be Dave Ramsey. I have linked a couple of questions people asked him about debt and infertility and his answers.

“Moving Forward with IVF”

“Pausing For Adoption”

In addition to godly counsel, we should also use common sense and creativity to determine our course of action. When we looked into adoption, we looked at the whole spectrum from international adoption to domestic adoption. Within domestic adoption, we considered relatively cost-free adoptions like DHS or ICW (Indian Child Welfare), to more costly options like an adoption attorney or adoption agency, to a blend of the two such as an adoption outreach that asks for a balance of your time and money. The Adoption Tax Credit can help lessen the financial burden, and some companies provide adoption benefits to employees. When we pursued fertility treatments, we weighed the cost of treatment versus the chance of success. Our employers did not provide medical benefits for fertility treatments, and our state does not have an infertility insurance mandate to provide coverage (only 15 states currently do), but we compared the costs of different specialists in and out-of-state and explored options like shared risk, which is eventually what we settled on. Creatively come up with ways to reduce your current debt and increase your cash flow to fund your fertility expenses before or as they come due.

Emotional Cost

Unless you truly have a care-free attitude about adding to your family, whether it be “Que sera, sera – Whatever will be, will be” or you can leave it all in God’s hands – “If He wants it to happen, He will make it happen”, you will find your infertility journey to be an emotional roller coaster. The emotional cost is really unavoidable, but help is yours for the taking and you are not alone. RESOLVE offers support through its website as well as its presence on social media. This is also a great Fertility Authority link explaining how infertility is not just a disease, but also an emotional experience.  I’m even thankful for search engines that allow you type in a phrase or question and find the websites or blogs that provide answers and emotional support. The more we can make people aware of infertility and the effects of it, then hopefully, the understanding and support of your church, family, and friends will help bear the emotional cost of infertility.

Spiritual Cost

When we experience infertility and pregnancy loss, naturally, we want to get at the root of the cause, physically. We want to analyze every aspect and gain knowledge from books and blogs to finally seeking out a Reproductive Endocrinologist. Sometimes you may not be able to pinpoint a reason, like endometriosis or PCOS. After all of your tests, your doctor may come back and say you have “unexplained infertility.” Medically speaking, it may be unexplained, but your infertility is not without cause. Resolve to know more about the cost of your infertility, spiritually speaking. Realizing it is for a purpose will help you deal with it successfully.

As believers in Jesus Christ, we have to realize, even expect, and God forbid, rejoice, that trials will come into our lives to mold us to be more like Him, to glorify Him, and to encourage others. Our trial of infertility is a test, designed only to try – not to ruin – but to try our character, strength, patience, and trust in God.

“God’s design in afflicting his people is their probation, not their destruction; their advantage, not their ruin: a trial, as the word signifies, is an experiment or search made upon a man, by some affliction, to prove the value and strength of his faith. Our Christianity depends upon our faith; if this be wanting, there is nothing else that is spiritually good in us. Christ prays for this apostle, that his faith might not fail; if that be supported, all the rest will stand firm; the faith of good people is tried, that they themselves may have the comfort of it, God the glory of it, and others the benefit of it. A tried faith is much more precious than tried gold. Gold is the most valuable, pure, useful, and durable, of all the metals; so is faith among the Christian virtues; The trial of faith is much more precious than the trial of gold; Gold does not increase and multiply by trial in the fire, it rather grows less; but faith is established, improved, and multiplied, by the oppositions and afflictions that it meets with. Gold must perish at last–gold that perisheth; but faith never will.”  – From Matthew Henry’s Commentary on I Peter 1:6-7

“Wherein ye greatly rejoice, though now for a season, if need be, ye are in heaviness through manifold temptations: That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ.” I Peter 1:6-7

“Beloved, think it not strange concerning the fiery trial which is to try you, as though some strange thing happened unto you: But rejoice, inasmuch as ye are partakers of Christ’s sufferings; that, when his glory shall be revealed, ye may be glad also with exceeding joy.” I Peter 4:12-13

“Blessed be God, even the Father of our Lord Jesus Christ, the Father of mercies, and the God of all comfort, Who comforteth us in all our tribulation, that we may be able to comfort them which are in any trouble, by the comfort wherewith we ourselves are comforted of God. For as the sufferings of Christ abound in us, so our consolation also aboundeth by Christ.” II Corinthians 1:3-5

“But the God of all grace, who hath called us unto his eternal glory by Christ Jesus, after that ye have suffered awhile, make you perfect, establish, strengthen, settle you. To him be glory and dominion for ever and ever. Amen.” I Corinthians 5:10-11