About 4 years ago I was sitting at a Yellow Ribbon event for a Army reserve unit in Georgia. A couple came in to see me to discuss their finances. They were both older, no children, and facing a deployment. As we began to discuss their finances, they seemed to want to talk about something, but they seemed embarrassed to talk about it. I thought they were embarrassed about how they were managing their finances, but as I asked more probing questions, the truth finally came out. We discussed how the military can prepare financially for adoption or fertility because they wanted to borrow money to pay for IVF. Read More