Just know that you are not alone. Your post sounds so similar. As, I too, tried to make all the right moves.... Paid for my own college while living on my own. Didn't have children out of wedlock and waiting to find Mr. Right. Finally, found him at 34 and married 10 months later, to go on to work our butts off to get the house a couple of years later, then as the bills are piling up... We have been trying to get those under control to bring a child into a stable home, it was so frustrating and making me sad that I got an Ulcer, nausea issues and was getting very sick due to not being able to figure out how to get to my ultimate goal, a baby......
Well....I went to my first RE appt., just yesterday and I am now 43. So, I understand how you feel. We kept telling ourselves that we could not afford this and as the years went by, now it is a statement of we might be too late, so not trying to scare you just let you know that we all struggle with finances and are scared but just make sure that you two try to make the best plan in deciding how to move forward of getting your finances in a good place and stashing the lunch or coffee money for the baby stuff.....Your will in this matter will find you your way. As, we finally did. We got here a little late but hopefully not too too late. Meaning, my eggs are old and I am not sure if it is going to work but the RE put me on a supplement regiment of a gazillion pills. Exaggerating a bit, but around 25 a day...
Any ways, Best of luck to you and your husband and hope that you both find a way to get your dreams. Oh, my OB/GYN prescribed Clomid to me when I was in my financial bind, I thought it would be too expensive, but the generic only costs around $20.00 in the states. Not sure where you are located at... Any ways, again. Best of Luck.