"Financially Infertile"

I read this term somewhere a few months back...."Financially Infertile" aka the inability to conceive due to lack of money to do so. Currently I am struggling with the decision to attempt an IUI cycle which will use one of the two vials of preserved semen we have. If we do the IUI and it works we have saved alot of money.....however if we attempt it and it doesnt work we have essentially utilized alot money, time, and very valuable sperm. Then we have IVF, if we attempt one cycle of IVF and it works it will be worth every penny of the thousands of dollars, then there is the chance that it doesnt work; the embryo doesnt implant, it implants but i miscarry, and so many other things that could go wrong....and our only option is to start all over again.

We still have no clue what is keeping me from becoming pregnant, there are still so many things that could be wrong or go wrong and the IVF and IUI are not a guarantee that I will conceive. Of course I have the obvious Endometriosis and cyst that could be responsible for alot of things but unless I opt for invasive procedures that may or may not work I am left with the unknown and risk of it affecting my ability to conceive.

Then on the financial side of things my brain tells me I need to hold off on everything until i secure employment after being laid off in January, but
 my heart tells me I need to keep going. I have heard people my whole life say "if you wait to you can afford it you never will". I see people everyday having kids in worse situations that we are in. Although I dont have a job we have managed so far with minimum help and are very lucky to have parents that are able and willing to help.  But it is one thing to ask with help for the essentials that we need, than it is to ask for help to complete our family. I have began the process of the grant applications, and thought of many ways to raise money for the IVF. So many people have offered to help and suggested a fundraising site such as gofundme, and one side of me says go for it and if they want and can help they will, but the other side of me says that is crazy to ask people for help. I feel like there are so many people out there that need help with things more important than my desire to have children. But I dont know how else to do it.....I have no clue how we are going to come up with $15,000 for one cycle of IVF that MIGHT work, or if it does I have to come up with it all over again if I want to have another child. Of course having a family will be worth every penny but its coming up with those pennies that are a struggle for me. Im afraid that the financial side of things have become so stressful that it may affect my ability to conceive and if it doesnt work Im not sure how I would recover and start all over knowing we already owe money for a cycle that didnt work and risk doubling that for another 50/50 chance.

You can not put a price tag on a child and having a family of your own and one day I will figure it all out, but for now it is on my mind every day trying to figure out ways to make it work. I wish I had the ability to finance it on my own and I wouldn't think twice, but asking for help financing this from others is overwhelming. Im so afraid that if I wait to long then my biological clock is gonna expire so my heart tells me I have to move forward now regardless of my job situation and accept help from those willing, but my brain tells me I am crazy to do this without a job and unfair of me to ask others for assistance especially when I do not have a job..............I wake up ever morning and search my brain to see if I have it all figured out yet, maybe one day I will just make that decision and go for it, until then Ill continue to ramble on back and forth on what I should do.