Hello, I hope you are doing good. Life is a set of ups and downs and you can never expect what it is going to dish us out. So now if you want your own baby you can try IVF or surrogacy. It depends on whatever you choose but the basic principle is essentially the same for the both. Your eggs will be fertilized with the sperms from your partner or donor sperms and then the fertilized egg or embryo will be implanted in your womb if you want to carry the baby or in surrogate mothers womb if you choose surrogacy. Since you said you are in good financial position so you can easily afford both. But carrying your own baby is the best way of building the emotional and psychological bond with your baby and I do not know why anyone would want to miss that without any solid reason. Choose wisely!