When is the right time?

I thought I was at peace about trying to conceive starting in January, but now I'm questioning the decision.

When is the right time?

My concern is that we're not where we'd like to be financially. But we're 30 years old and I have medical conditions that make it less likely for me to be able to have a child. We thought we would remove my IUD and start trying in January because we aren't sure how long the process might take for us or if it will even work.

We're getting older from a fertility standpoint. We're married so it's not like we're not committed. Each of us bring home minimum wage though. We have a car loan and student loans and a line of credit. We make the minimum payments and sometimes extra if we can.

I know we'd make it work if we had a baby, I'm just scared because it's a huge decision to make.