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July 22, 2014 2:40 AM

Test of the economy: When to start a family

Melissa Myrick, 33, thought for sure she’d be a mother by now. She could picture it: one boy, one girl, both with her blue eyes. That was the plan when she and Rick married in 2008: Get pregnant right away. But first he lost his job, then she lost hers. They decided to wait. A year later, barely back on their feet, a doctor’s visit revealed that they would struggle to conceive. The best chance for Melissa and Rick to have a baby would cost at least $15,000 – money they didn’t have, a financial risk they still feel unable to take.

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