Goofygirl,
Not a flame, just an explanation.
You are right to assume that we should be more financially stable to have a family. I wish we were. My DH and I were married when we were in our 30s and spent 3 years saving up to start a family. When we finally felt "established" we started giving the family a serious go. After a year and a half with no results, I went to my ob/gyn and it was she who said I should see a specialist.
Shortly thereafter, my DH was let go, so I put it off until this year. We had no idea that he would be out of work so long. It also took me 4 months just to get an appointment to see the specialist! I had hoped that by the time I got the appointment DH would be employed. It didn't happen. I spent several more months getting more tests, going through "injectible" training, etc.
Even though our financial situation is not at it's best (and certainly is only going to get worse until DH gets something), "the clock" was ticking, and we decided to give it a go.
It's been very difficult, but I wanted to give this a go now. It didn't work out. And that is heartbreaking to me.
We are taking the rest of the year off, continuing to try and find him a job and put ourselves back in a good financial situation and want to try and adopt next year.
It still may not be financially the best time, but we have been together for 7 years at this point and have wanted a family ever since we were married. If we "wait" until the best time financially, who knows how old we might be!

Or if we'll ever truly be there.
I just know that I have wanted to nuture a child/children all my life and the pain of not being able to; combined with a very difficult financial situation makes the past 2 years very difficult. So much so that I have removed a photo of the 2 of us with Minnie Mouse from my desk because it was taken on May 8th, the last truly joyful day of our life (it was that evening on our way home from WDW that we found out about the shake up at DH's office and knew his unemployment was imminent).