No matter your answer, we can tell you one thing: Every way you look at it, it’s pretty darn expensive. First, you foot the costs of hormonal birth control (the Pill, an IUD) or condoms. Then, if you’re struggling to get pregnant, intrauterine insemination (IUI) and in vitro fertilization (IVF) cost about $900 without insurance and $12,500, respectively. Need a surrogate? Well, then you’re talking over $100,000. Sadly, it’s enough to bankrupt some women.