In most cases I would recommend being financially stable before the fact… but I realize that isn’t very practical. There are many couples out there ttc who are not financially stable and are walking into it not realizing the expenses that accompany a child. My husband and I have been ttc for over a year now with no luck due to low sperm count. During that time we have been saving money for when the day does come that we have a child (plus IVF is expensive). However… there are a lot of government assistance programs out there for moments just like this. If I was you, I would find out about assistance that is available in your area, find out some details about it and what qualifications you have to meet and present them to your partner. 😆