In her late 30s, there was nothing Cyndi wanted more than to become a mum.

Single and worried about declining fertility, Cyndi says it was “now or never” and she planned to start IVF.

But she couldn’t afford it.

“It wasn’t something I could put off and save for,” says the 40-year-old from Melbourne/Naarm, who asked we don’t use her surname.

After discovering she could apply to use her superannuation to pay for treatment, Cyndi did so on three occasions.