We took our time considering to start IVF or continue IUI. I would say it wasn’t a very difficult decision for husband. We won’t experience the physical pain. It is more likely to succeed.
Although it is more costly, you won’t see much cash outflow as it is mostly subsidised by Singapore government and the rest will be paid from CPF account.
Sent CHR an email informing the clinic of our decision to start IVF on the first day of my wife’s menses. We later found out that this day is our baby’s day 1.