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I love casinos. The sounds, the lights, the corny decadence. … I love it all, except for one thing: I hate losing money. So in the handful of times I’ve visited one, I’d give myself a high-low limit. If I lost $100 or won $200, I’d have to leave. I guess I’m not much of a gambler.

Had I been a gambler, I might have been more familiar with the sinking feeling of not only failing at our first I.V.F., but in watching thousands of dollars go down the drain with it.

See, when you start I.V.F., everyone tells you to have a plan: How much time and money are you willing to spend on the process? The answer to the first question was a no-brainer for us; we had only a year, maybe two at the most, to have a baby with my eggs. We wouldn’t be able to continue on indefinitely the way some younger women with fertility problems can if they choose to.

Money … now that was a different question. How much would we be willing...