Here's how to financially prepare for kids someday
<div class="user-question">Hi Frich! I'm single and focused on my career right now, but I've always known I want to be a mom someday. The older I get, the more I worry about my fertility and what it might cost if I need help when I'm finally ready. What can I do today to set myself up, even though I'm nowhere near trying yet?</div>
Hey, and thank you for writing in! This is one of our favorite questions to get, because it means you're thinking about this on your own terms instead of waiting for a deadline to force the conversation.
First, quick intros. We're Christy and Laura, co-founders of FLORA. We built the first individually owned fertility insurance, so this is pretty much all we think about.
It’s good that you’re thinking about this early.
Fertility anxiety is incredibly common. Around 72% of women feel it as early as 23, often years before they're anywhere near trying. The reason it feels stressful is that most of us are handed the topic backwards. We only learn about fertility once there's a problem, when options are fewer and costs are higher.
Starting to think about this early flips that. Right now you have the most information you'll ever have time to gather, and the most choices available to you. That's a good position to be in, not a scary one.
We know the worry comes down to money.
You said it yourself, and since this is Frich, let's talk numbers.
Fertility treatment is expensive, and most coverage options won't touch it. The average person spends more than $50,000 if they end up needing help, and over 80% put some of it on high-interest credit cards. A single round of IVF can run$15,000 to $30,000, and plenty of people need more than one.
So the fear isn't irrational. The good news is that the cost problem is the most solvable part of all this, and it's the part you can handle now while you're healthy and have time on your side.
What you can do today
Here's where we'd start if we were in your shoes.
1️⃣ Get a baseline. Book a fertility assessment or hormone panel so you know your own numbers instead of guessing. Knowing where you stand takes a lot of the anxiety out of the "what if" spiral.
2️⃣ Learn your cycle. Cycle and hormone tracking teaches you how your body actually works, which is useful whether you try in two years or ten. Partners like Aavia and Oova make this easy at home.
<div class="frich-tip">Frich tip: Treat your "someday kids" fund like any other long-term goal. Open a separate high-yield savings account or CD now, automate a small monthly transfer, and let it grow quietly in the background so the number isn't terrifying later.</div>
3️⃣ Lock in coverage while you qualify. This is the one people miss. Fertility insurance is cheapest and easiest to get when you're young and don't have a diagnosis, which is the opposite of how most people shop for it. Procrastinating, avoiding, or putting it off till later won't do you any favors.
Where FLORA fits
FLORA is fertility insurance you own. It moves with you, and it covers future treatments like diagnostics, medications, IUI, and IVF, up to $50,000 in lifetime coverage. The average policy runs on average $40 a month.
It was built for someone in your exact spot: a woman planning ahead who wants kids someday, isn't trying yet, and doesn't have an infertility diagnosis. (Some underlying conditions like PMOS can still qualify.)
A few points worth knowing:
- You apply and go through individual underwriting, so coverage isn't automatic. You have to qualify, and applying while you're young and healthy is what makes that easier.
- There's a 12-month waiting period before you can use benefits. When you put it in place now, this lets you prepare long before you ever need it.
A quick word on egg freezing
You'll hear "just freeze your eggs" a lot. It's a real option and great for some women, but it's worth knowing what it is.
Freezing preserves eggs for later, and you still pay for IVF to use them down the road. Fewer than 15% of women who freeze ever go back to use them. This procedure also requires extensive preparation, from diagnostic testing, up to 12 days of hormone injections, and a 20-min surgical procedure under sedation.
This is an option, not a safety net, and definitely not the only move available to you.
Helpful resources from our women's health partners
FLORA - portable, individually owned fertility insurance built for planning ahead
Aavia - hormone and cycle tracking to help you understand your body
Oova - at-home hormone testing with real clinical data
Daye - science-backed period care and vaginal health screening
Legacy - at-home fertility testing and reproductive health screening
Found this valuable? Here are some more deep dives from the Frich team 🤝
✅ What insurance do I actually need?
✅ How do I actually build wealth in my 20s?
✅ How can I afford egg freezing?
You don't have to decide anything about motherhood today. The goal is just to give future you more options and fewer surprises, so that when you are ready, the decision is yours and not your bank account's.
Cheering you on,
Laura & Christy
Co-Founders, FLORA
