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🛑 My name is Liam Carter. I'm 47 years old. I was born in Hamburg, Germany, but I've been living in Berlin with my wife, Sophie, for more than ten years now. 🛑 We've been together for seven years and married for almost five. Sophie works as a beauty consultant at Douglas near Alexanderplatz, and I work as a truck driver, delivering goods throughout Berlin, Brandenburg and the neighbouring regions. Our life was pretty simple. We rented a comfortable two-bedroom flat in Charlottenburg for €1,180 per month. We usually did our shopping at REWE, sometimes EDEKA, and when we wanted to save a little, Aldi. Once a year, we'd spend a few days on the Baltic Sea coast or in Saxon Switzerland. We weren't wealthy, but we lived comfortably. The only thing we truly wanted was a child. For almost four years, we tried to become parents. Tests. Appointments. Treatments. Medication. Eventually, a doctor at a private fertility clinic in Berlin told us honestly: "Unfortunately, your chances of conceiving naturally are very low. You should consider IVF." We hesitated for a long time. But in the end, we decided to go ahead. The first IVF cycle cost us €4,900. It failed. The second one cost another €4,100. In total, we spent nearly €9,000. Part of the money came from a Deutsche Bank loan, and the rest from our savings. "If this helps us have a child, every cent will be worth it," Sophie always said. Thankfully, the second attempt worked. When the doctor confirmed the pregnancy, he immediately warned us: "The first trimester is crucial. Avoid stress and get as much rest as possible." We were the happiest people in the world. But just a few months later, everything changed. The transport company I worked for lost several major contracts. Our routes were reduced. So was my salary. I used to earn around €3,100–€3,300 per month, including bonuses. Now I was bringing home only €2,200–€2,400. At the same time, all our expenses kept increasing. The IVF loan. Pay
