life is full of choices!

Uhhhh what to do what to do.... shall I go back to school and accumulate more debt? Stick with my current job and pray to get a raise, look for another job, when I love my job?  Should I learn to be happy with what I have and quit trying to get more.  See heres my thinking, if we have to put $ into having a baby, which is priceless to us then I dont know if I want to spend 30,000.00 going to get my ba, especially if were going to go into debt trying to have a baby, and if we get into major debt there is no way I will be able to stay home with my bebe... I think that I have answered my question. I think I think I think that I want to adopt.... I want to adopt because I know Ill make a good return on my investment, Im pretty much garanteed to get a baby.  IVF and just trying are not a sure thing for me and I want a sure thing and I like thinking that by adopting I am making a positive change in an innocent childs life that didt have a choice, just like I didnt choose this infertility! I want to be able to stay home and I dont think Ill be able to do that if I go back to school, what do my sanity sisters think?