How to Financially Prepare for IVF: What No One Tells You

HerMoney with Jean Chatzky

Jean Chatzky Her Money

Investing, Entrepreneurship, Business

4.8 • 1.3K Ratings

🗓️ 9 May 2025

⏱️ 24 minutes

🔗️ Recording | iTunes | RSS

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Summary

Motherhood is personal and more than a little bit complicated. And today, we’re diving deep into the emotional and financial complexities of modern motherhood with journalist and author of The Mother Code: My Story of Love, Loss, and the Myths That Shape Us, Ruthie Ackerman. Ruthie’s journey includes freezing her eggs in her 30s, navigating a divorce, and ultimately becoming a mother at 43 through donor eggs. But her story is about much more than biology—it’s about breaking timelines, challenging societal expectations, and rewriting what it means to live a full, intentional life…with or without children. Looking for more financial confidence? 🚀 FinanceFixx – Our 4 or 8-week coaching program to get your finances on track! 📈 InvestingFixx – A club for women ready to grow their wealth. Your first month is completely free. Have a question for us? Write to us (or send us a voice note!) at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hi, everyone. I'm Karen Feinerman, and I'm delighted to share that we have a new season for you of my podcast, How She Does It. You may have seen me on CNBC. I'm a long-term Wall Street investor and a mom of four, and I love taking time to sit down with dynamic women leaders and touch on all things women, money, and power.
0:23.8	This season, we have Open Table CEO Debbie Sue,
0:27.6	today's show host Jenna Bush Hager, author Gretchen Rubin,
0:30.5	model and beauty CEO Pridicuaswarup, and more.
0:34.0	You can subscribe to how she does it on Apple Podcasts and learn more at hermoney.com.
0:36.2	We'll see you soon.
0:37.3	I think what would move the needle is if women believed we lived in a society that
0:44.3	cared about our self-actualization. If we believe that we could be mothers and follow our
0:53.8	dreams, be mothers and have the careers we wanted, be mothers
0:57.4	and have the support systems and policies that would help us care for our children.
1:06.0	Hey everyone, thanks so much for joining us today on Her Money. I'm Gene Chatsky. And today's topic is
1:11.9	personal. It's also more than a little bit complicated. We're talking about motherhood and specifically
1:18.8	one woman's journey from deciding to be child free and marrying someone who had made the same
1:25.3	choice to changing her mind in her mid-30s,
1:29.1	to eventually choosing to go with a donor egg at age 41 in her second marriage.
1:36.3	Today, for the first time in U.S. history, women over 40 are having more babies than teenagers
1:41.4	are, which is certainly something to celebrate.
1:43.9	But we also know that there can be
1:46.7	a cost to waiting. If you want to freeze your eggs, it's around $5,000 just for retrieval.
1:54.0	A single round of IVF in vitro fertilization can run $12 to $30,000.
2:01.9	And IVF using your own eggs isn't the only option.
2:06.6	There are other roots, too.
	...

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