Loosing hope

Well another negative test. My husband has an issue and we meet with his doc next week. I really didn't think we would be the ones to not have kids. Ivf costs so much and I don't want to adopt. I'm giving up. My husband keeps saying it's going to happen. After 1.5 years and low motility I don't think it is going to. It's getting really hard. I pray all day long. Buy at what point do you just say enough?