IVF DADDIES

How much does IVF really cost, and what happens when treatment fails but the money is already gone?
Before founding Sunfish, Angela Rastegar watched intended parents sell their 401(k)s and struggle to finance fertility treatment without knowing the final cost.
Then she experienced it herself.
Angela paid for four egg retrievals out of pocket. Two produced no healthy embryos. Eggs she had frozen years earlier eventually gave her another opportunity to continue building her family.
In this episode, Angela joins Richard to explain how Sunfish is trying to make IVF, egg freezing and surrogacy more financially predictable.
They discuss:
• Hidden IVF and egg-freezing costs• IVF loans and monthly payment plans• Flat-fee fertility packages• Money-back protection when treatment is unsuccessful• Financing multiple IVF cycles• Financial planning for surrogacy• How Sunfish calculates personalised costs and possible outcomes• How fertility clinics and providers are vetted• Fertility data, privacy and security• The emotional cost of beginning again
Angela explains how Sunfish uses historical, de-identified data alongside personal diagnostic information to estimate possible outcomes and build a financial package around each journey.
The technology does not replace a fertility doctor or decide someone’s treatment. It is designed to help patients understand their options, possible costs and financial exposure before committing to treatment.
This is not about making IVF cheap. It is about knowing the financial risk before using your savings, taking out a fertility loan or paying for another cycle.
Fertility treatment will always carry medical uncertainty. The final bill should not be another surprise.
CHAPTERS
00:00 Meet Angela Rastegar02:10 Egg freezing and hidden fertility costs04:16 What is Sunfish?06:34 IVF financing and money-back protection09:10 How Sunfish vets fertility clinics11:08 Why fertility needs cost transparency13:24 Four retrievals and two devastating outcomes17:41 The frozen eggs that changed Angela’s journey19:37 Egg-freezing costs and second-cycle protection20:47 Predicting fertility outcomes and costs23:21 Financial planning before treatment24:31 Fertility data, privacy and security27:59 Angela’s advice before starting IVF
Sunfish programmes, financing, refunds and financial protections depend on eligibility and individual programme terms. This conversation is educational and does not constitute medical or financial advice.
Learn more about Sunfish:
https://www.joinsunfish.com
Support IVFDADDIES:
https://ivfdaddies.com/shop
#IVFFinancing #IVFCosts #FertilityFinancing #Sunfish #IVF
Search topics: IVF financing, IVF costs, fertility loans, IVF payment plans, money-back IVF, flat-fee IVF, egg-freezing costs, surrogacy financing, fertility treatment costs, Sunfish fertility and Angela Rastegar.

What if scientists could target one of the main reasons IVF becomes less successful with age?
As eggs get older, the biological “glue” holding their chromosomes together begins to deteriorate. Chromosomes can separate incorrectly, leaving an egg with the wrong number. This can prevent an embryo from developing or reduce the chance of a successful pregnancy.
Dr Jordan Abdi joins Richard to explain how U-Ploid Biotechnologies is attempting to intervene in this process and help older eggs behave more like younger ones.
They explore:
• Why egg quality declines with age
• What happens to chromosomes during egg maturation
• The “glue” responsible for keeping chromosomes together
• Why some eggs and embryos have the wrong number of chromosomes
• Whether a treatment could produce more chromosomally normal eggs
• How this could reduce repeated IVF cycles
• The risks, ethics and regulatory pathway
• Why fertility innovation must be supported by peer-reviewed evidence
The ambition is enormous: to reduce the age penalty in IVF and give patients more chances of producing chromosomally normal embryos from each cycle.
But this is not an available fertility treatment or a guaranteed cure. U-Ploid’s work remains in development, with further studies, safety evidence and regulatory approval required before any potential patient use.
ABOUT DR JORDAN ABDI
Dr Jordan Abdi is a physician and Co-Founder and CEO of U-Ploid Biotechnologies.
He holds a medical degree from Imperial College London and a Master of Global Affairs from Tsinghua University, where he was a Schwarzman Scholar.
Before founding U-Ploid, Jordan held commercial leadership roles at PicnicHealth and Holmusk, working across pharmaceutical partnerships, behavioural health, mergers and strategic partnerships.
CHAPTERS
00:00 Can scientists improve ageing eggs?
01:45 Why infertility remains largely incurable
02:48 Challenging what we accept about egg ageing
03:43 How an egg prepares for fertilisation
04:57 What is a polar body?
06:01 Why chromosomes begin failing with age
06:40 The biological “glue” holding eggs together
08:43 Why scientists cannot simply repair an egg
09:42 Supplementing the egg’s missing “glue”
10:48 Making an older egg behave like a younger egg
11:26 The safety questions that must be answered
12:35 The pathway towards human clinical trials
13:20 Research involving donated immature eggs
15:00 Euploid eggs and the ethics of fertility research
17:18 How dramatically egg error rates rise with age
18:27 Could this change IVF success rates?
19:31 Egg freezing, fertility hope and false guarantees
21:02 Could better eggs mean fewer IVF cycles?
22:03 Is egg biology simply too complex to treat?
22:53 Jordan’s advice for patients
24:02 Final thoughts
FIND OUT MORE
U-Ploid Biotechnologies
https://www.u-ploid.com/
Explore the technology
https://www.u-ploid.com/technology
Meet the U-Ploid team
https://www.u-ploid.com/about
News and research
https://www.u-ploid.com/news-research
SHOP IVFDADDIES
Support the podcast and explore the IVFDADDIES collection:
https://www.ivfdaddies.com/shop
This episode is for education and discussion only. It does not provide medical advice. Speak with a qualified fertility professional before making decisions about fertility testing or treatment.
#IVF #EggQuality #Fertility #FertilityScience #ReproductiveHealth #Embryology #Aneuploidy #EggFreezing #FertilityInnovation #IVFDADDIES

It is the question every gay intended parent is afraid to ask:
What happens if your surrogate changes her mind?
At 20 weeks, one surrogacy journey became the nightmare nobody believed would happen. The contracts were signed. The difficult decisions had been discussed. Everyone appeared to agree—until they didn’t.
In this episode, Richard and Julio move past the headlines and ask what same-sex couples actually need to know before trusting another person to carry their baby.
Can a contract really protect you? What should be agreed before matching? What happens if your surrogate crosses state lines, refuses a medical decision or tries to claim parental rights? And if neither father is genetically related to the baby, are you still protected?
Richard draws on his experience helping more than 4,000 people create families through surrogacy to explain what reduces the risk, what warning signs matter and which conversations cannot be avoided.
Because when two fathers depend on a surrogate, an egg donor, an agency and several different legal systems, “it probably won’t happen” is not enough.
You signed the contract. You trusted the agency. You believed everyone wanted the same thing.
Then your surrogate changes her mind.
For same-sex couples, this is not just a disagreement. Neither father gave birth. An egg donor may be involved. The surrogate may live in another state. The intended parents may live in another country. Suddenly, the family you spent years creating could depend on contracts, genetics and laws you thought had already protected you.
In this episode:
• Can your surrogate legally keep your baby?
• Can a contract control what happens during pregnancy?
• What if she refuses a previously agreed termination?
• Could travelling to another state change your parental rights?
• What happens when neither father is genetically related to the child?
• How should gay couples choose and screen a surrogate?
• Which conversations must happen before the match?
• When should the agency intervene?
• Who pays if the birth happens somewhere unexpected?
• How common is this nightmare in real surrogacy journeys?
CHAPTERS
00:00 What if your surrogate changes her mind?
02:22 A contract cannot control someone’s body
04:38 The diagnosis nobody could have predicted
06:48 Every intended parent’s worst fear
09:12 When outside organisations enter your journey
11:26 What if neither father shares the baby’s genetics?
13:50 Choosing the right surrogate
16:04 Why the agency must protect the relationship
18:29 Crossing state lines—and who pays the medical bills
20:45 How one crisis can become a public campaign
22:45 After 4,000 families, how likely is this?
If you are planning surrogacy—or already matched—this is the conversation to hear before a crisis begins.
Follow IVF Daddies on Spotify and send this episode to another intended parent.
Shop IVFDADDIES
https://www.ivfdaddies.com/shop

Evidence behind this episode
Sources:
• AP, Live Action funded the travel:
https://apnews.com/article/surrogate-baby-mckenna-west-texas-207b58c36b8f53dd0ab23e0dc2afaa3a
• KERA, contract and court testimony:
https://www.keranews.org/government/2026-08-26/mckenna-west-surrogacy-case-dallas-texas-alaska-california
• Texas Tribune, court filings and case chronology:
https://www.texastribune.org/2026/08/12/texas-surrogacy-california-alaska-parental-rights/
• Live Action finances, approximately $15.7 million annual revenue:
https://projects.propublica.org/nonprofits/organizations/421764425
• CDC information on hypoplastic left heart syndrome:
https://www.cdc.gov/heart-defects/about/hypoplastic-left-heart-syndrome.html
The proceedings were continuing when this episode was recorded. The discussion contains our interpretation of publicly reported events, not a final legal determination.

Fresh or frozen? It sounds like a logistics question. It's not.
Richard gets asked this constantly, and the answer almost always depends on something the clinic never asked first: what do you actually want your family to look like?
In this episode Richard and Julio work through one of the most misunderstood decisions in an IVF or surrogacy journey. Why frozen embryos became the clinical default. What the attrition math actually looks like from egg to euploid embryo. Why egg freezing is not the insurance policy most people think it is. What a good clinic asks you before it tells you anything. And what it means when it doesn't.
Richard has helped over 500 families navigate fertility journeys. For him it's statistics. For you it's binary. This episode is the gap between those two things, made legible.
Not medical advice. Richard says that himself.
CHAPTERS
00:00 Why this question came up this morning02:51 What actually happens when you freeze an egg05:49 Why frozen embryos became the default08:42 Two sperm sources, two kids: what the math looks like11:32 What egg banks are and how a "lot of eight" works14:24 The red flag your clinic might be showing you right now17:16 Why egg freezing is not a guarantee, even in your twenties20:10 You are binary. I'm a statistic.
KEYWORDS
IVF fresh vs frozen, donor eggs frozen embryos, egg freezing success rate, embryo banking explained, PGTA testing embryos, IVF surrogacy logistics, two dads IVF, LGBTQ family building, egg donor cycle, euploid embryo, vitrification IVF, IVF clinic red flags, intended parents guide, fresh donor egg cycle, frozen egg bank

Before you sit down with your doctor and they start talking about genetic testing, there is a conversation that should happen first. Richard has it with hundreds of patients every year. This is that conversation.
Richard Westoby works with intended parents every day before they see their doctor. Pre-implantation genetic testing is one of the first things that comes up and also one of the things people feel least prepared for when the appointment actually happens.
In this episode Julio and Richard walk through what PGT actually is, the different types, what each one looks for, what it costs, and how to think about whether it makes sense for your journey. Including why Richard did not do it himself when he had his kids, why nothing is ever one hundred percent even after testing, and what the new generation of polygenic testing means for families making these decisions today.
This is not medical advice. This is the conversation that helps you walk into the medical advice ready.

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Chapters

00:00 Introduction to PGTs
02:27 Understanding PGT Types
05:37 The Role of PGT in IVF
09:05 Ethical Considerations of Gender Selection
11:42 Exploring PGT-M and PGT-SR
16:01 The Future of PGT: PGTP
22:54 The Emotional Impact of PGT Testing