IVF help please 😓

Samantha • 23yo. TTC #1 for 4 years. PCOS. Blissfully married. Hoping our family is going to start with our first IUI cycle.
Hi ladies. Today I had to cancel my <a href="https://glowing.com/glow-fertility-program">iui</a> #2 because my follicles were not responding. My RE really thinks that I should be doing <a href="https://glowing.com/glow-fertility-program">IVF</a>. He thinks I will respond much better. 
How do so many people afford it? I am afraid we will do it once and it won't work and I'll be stuck with paying this entire thing and not be able to do another. How does anyone do it? Help please.Â