Money can be an important factor.I don’t believe it can be the only factor. I was financially stable but not like in a very good position. My infertility lead us with no baby. My husband wanted to go for IVF or surrogacy. I was reluctant. I didn’t wanna waste his hard earned money. What if there were zero results? He convinced me somehow for IVF. Now again I was s worried about the positive results. The stress led to a failed IVF round. Yes, I was that unfortunate. Luckily the clinic we chose told us that we can avail multiple rounds.That too in the same budget.I am so glad the clinic happened to us. The second round was successful. Thankfully I have a baby now.