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Some couples cut their spending before a baby arrives to prepare for one of the parents to stay home with the child.  Sometimes they put away one of the couple’s salary into savings to prepare for the time when the baby comes.   If you are struggling to get to that point you can start earlier and set aside one person’s salary for infertility treatments.  Could you live on one income?  If you are both working could you use of your salaries to help you get to the next step?  For some this won’t be an option, but for others with a little planning it may work.