fertility treatment

I've been going back and fourth about recieving any kind of fertility treatments. Right now I'm taking 1500mgs of metformin daily, but that's all. I feel guilty because I don't have a lot of money, but I love my fiancé and am ready to be a mom. I just feel like my child might not be happy or okay with having things that aren't as nice as their peers. Don't get me wrong I still have the finances to care for him/her but he/she probably won't go to private school or get a new car at age 16. I feel like I will be judged because I had to pay for fertility treatment, yet don't own my own home or have a new car. Can anyone else relate? I feel like some people won't understand why I chose to have a child instead of have nice things or wait until I'm older(I'm 24) and do have nicer things.