Single-mother-to-be should not delay pregnancy
They're thinking about right now, but a baby isn't right now, it's a pregnancy first.
I'm sorry about your mom's health, and I hope she's quick to improve.
Re: Maybe Baby:
There's no guarantee that artificial insemination will work for you, let alone on the first try. My husband and I started trying when I was your age. Now I am 40 and we have spent years, incalculable pain, and tens of thousands of dollars trying to have a child.
You are up against a very real deadline. While you don't need to panic, you don't need to dither, either. There is a chance that delaying to suit your parents could rob you of your chance to be a mother, or wipe out your savings.
Thank you for this dose of reality, and I'm sorry for the tough breaks that positioned you to provide it.
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