Alicia Grez never wanted to be a mom.

Some of her friends had kids in their 30s, but she never felt that tugging feeling. She liked her autonomy and her partner did, too.

But in her last year of her 30s, a nagging thought crept into her mind. What if she later regretted never having kids? Should she try now, before it was too late?

They want a second baby. But even with $100K, they can't afford it.

"I don't want to look back and be like, 'Man, did I miss something big?'" Grez said. She talked to her partner, and they hesitantly started trying for a baby.