@dof7 I'm in similar boat. Two embryos left. I did second retrieval with one still frozen (after 3 failed transfers from first retrieval) with thought we want at least 2 anyway. And now I consider to be OAD. It's hard. I'm very disappointed in my husband as father of baby. He is great as father of 3yo, but I'll be mostly on my own on toddler watching duty. We are old. I'm still afraid to die in childbirth ( no medical condition, but really bad birth with long term consequently for my health).
What helped me to gain some peace was recent abortion discussions. I do consider embryos a new life already begun. Therefore the question is not do I want another child and can we afford another child. The question is are things really so bad I want to give up my other 2 children. And my existing child, whom I have given birth already, is more important than children in freezer, barely begun.
If we want to claim these children, we should do it soon. I have initial appointment scheduled in 2 months. On top of it, I was diagnosed with ADHD last month and I'm holding off the meds because they are not compatible with pregnancy. But maybe I should get my life more under control and delay transfer.
I haven't decided yet.