IVF question Please help!!!

Hi everyone, I'm doing my first IVF in April and I'm unsure of how many embryos I should transfer. I had my consult a couple of weeks ago and my doctor mentioned that if I transfer ONE embryo and it doesn't work I get to try TWO more times without cost. However, if I transfer TWO embryos and it doesn't work I will have to pay for the frozen transfer which is $4200 . I'm very confused because I really wanted to do two embryos so my chances of conceiving would be higher, but if the first try doesn't work which had happened to a lot of people then my husband and I will have to wait for a while to do a frozen transfer at $ 4200. Please if you have any advice I would really appreciate it! Thank you all 👍