Husband's family member is about to try medical fixes to fertility challenges, which I'm super empathetic about as we faced these as well. (As has been well noted in other threads, yes we know there are other ways to have kids, no adoption and fostering are not cheap, easy, or for everyone at every moment of life.) When I first heard about their plans a few months ago, I suggested she try to save some money then, since I know they live paycheck to paycheck. She said she couldn't, and eating out many nights a week is her great joy. They live their lives very publicly on social media so it's hard to miss just how often they're eating out, etc.
Now it's getting real, though. She freaked out to me about the money when she learned insurance will cover none of it, so I gently noted that even if she wanted to keep eating out, maybe she could try to do that only once or twice a week? Or, since in the last two weeks she has posted about five Target outings for fancy clothes, shoes, and handbags, I suggested trying not to shop for anything but essentials?
No. She said she needs to eat out to be happy and she needs to shop to feel better about her life. At that point I realized I was rather rudely offering advice no one had asked for and stopped, and I guess it's self-aware to an extent that she knows why she spends, but I feel sad for her. She's so stressed, and I know how miserable she feels, but it's hard to hear "having a baby is the most important thing" while also hearing "restaurants and shopping are the most important thing" without wanting to shake her a bit.
Update:
Relative's fertility challenges continued and the cheaper fixes failed. (I was/am very empathetic, we had the same trials and we were in touch about the process frequently.)
She and her husband took out a $20,000 loan for IVF. They spent something like $19k plus had to do lots of meds and it took lots of blood, sweat, and tears to get an embryo.
At that point they realized their marriage wasn’t working and sought, and got, a divorce.
She told me that in addition to the $20k fertility loan, and their mortgage, they also have sizable credit card debt across three cards. "We’re still paying for his wedding suit!" Dividing that up was very stressful. We spent a lot of time researching how this could be done fairly, and I answered a bunch of money questions and encouraged and cheerleaded.
She began dating someone else quickly (great! Glad she’s happier). Then she shamefacedly announced to me that they’d booked a 7 night trip to Mexico at an all-inclusive resort. "I know, I know. You only live once, Misstachian!"
(She hasn’t sought financial advice since. And needless to say I haven’t offered!)