In this episode of Financial Self-Care, Lindsey sits down with Kayla Estenson Williams, a Licensed Marriage and Family Therapist, to unpack the real costs of infertility — not just the financial side, but the emotional and energetic toll it takes on women and couples navigating fertility treatments like IUI (Intrauterine Insemination) and IVF (In Vitro Fertilization).

Kayla shares her personal experience of going through 4 rounds of IUI and one round of (successful!) IVF and discuss what it’s really like to go through these treatments — the money, time, and mental health challenges that often come with them — and how to approach this journey with compassion, boundaries, and financial mindfulness.

If you’ve ever wondered how to balance your emotional well-being and your bank account during fertility treatments, this episode offers validation, insight, and tangible tools for practicing financial self-care through it all.

What you'll learn:

The cost of IUI and IVF — and why the total price tag often surprises people

The hidden emotional and time costs of infertility treatments

How infertility can impact relationships, finances, and mental health

Why financial transparency and emotional support are both essential in the fertility process

How to practice financial self-care when facing medical uncertainty

Ways to cope with grief, hope, and burnout during a fertility journey

Kayla Estenson Williams is a Licensed Marriage and Family Therapist who runs her private practice, Minnesota Attachment Collective. She specializes in healing attachment wounds through the tender seasons of growing your family- including fertility challenges, pregnancy, postpartum, and parenthood. In addition to supporting clients navigating infertility, she herself has gone through infertility- and has been fortunate enough to be able to grow her family through IVF. 

Connect with Kayla:

Other IUI and IVF Resources: