We will be going into parenthood already in mountains of debt.. We had very little insurance coverage, borrowed from my 401 k retirement plan, have almost $10,000 in credit cards from the infertility train. To top it off, my insurance initially told me I had enough coverage in January to cover some of the IVF meds. Apparently not all claims were processed at that time, and they're now telling me i owe them $3,000. I want to scream! I really wanted to be able to quit my second job by the time the baby comes. I think I'll always have to work 6 days a week, and it breaks me.