How do you know its time for IVF?

I really hate to jump the gun but i am starting to think it would be wise to skip injectables and go straight for IVF. We are not rich by any means and really neither of these are a great financial option. What happens when you spend a couple of grandĀ  out of pocket for injectables and it fails and then you have to move onto IVF but you have already spent so much on the injectables. How do you decide??

I really do trust the medical field but i also feel that everyone needs to be there own advocate. I think i am scared of not having many more options at this point. IĀ  also feel as though i am racing the clock and our budget.

Mrs. W