There is also the cold hard fact that unless you are adopting a special needs child, adoption costs about $20,000-$30,000. (I have seen figures as low as $10,000-$15,000, but nobody I know who has adopted has gotten out for less than $20K.) In the US you get a tax credit of $10,000, I think, but that's still a big drop in the college fund. I know that for a lot of people infertility treatment is also very expensive, but for me, at least, it is mostly covered by insurance. Not that we are going that route, but I have to admit that it would be one consideration.

It never occurred to me until I started looking into the options that a major reason that most people seem to pursue IF treatment rather than adoption is the money factor. I find that very depressing.