Trevor wrote:2. Get a vasectomy too; you cannot afford to knock her up, and I say that from the kids' perspective, the ones already here and any not yet conceived.
Man... I'm having sooooo much internal conflict with this one. I agree. I really do. But to give you a different perspective...
I got snipped and stuck it out another 10 years or so. Entirely too long. Now after things have settled and I'm again happy in a relationship and things are really looking up, I thought about something. Kids with a new wife, should I decide to get married again.
If you get snipped and wait it out for too long your odds of reversal are ugly and it costs about 8k to 12k ballpark with no 'guaranteed or your money back' deals.
IUI - $300 for a consult, $700 for an HSG, $500 for sperm + $175 shipping and handling and $500 for procedure. So $1000 to start and about $1200 per attempt and they say 1 - 3 attempts. This is without the $3500 fertility meds.
IVF - Ballpark $12k and a risk of twins or more.
Just saying... Way your options VERY carefully. A $500 vasectomy can become very expensive later. But on the upshot I find I chase cars a lot less.