kishypoo

First off, condolences for all that you're going through. Sounds like a rough time and I hope you can stay strong and get that transplant!

As for my question, I hope I can word this without being too rude and offensive, and I sincerely apologize if you interpret this negatively. What I basically want to ask is, since your doctors have told you that pregnancy is not advisable for you right now, would you consider adoption instead? And since PKD is hereditary, would you consider going with adoption instead of biological children even after receiving a transplant, to avoid possibly passing on the disease?

Please do not misunderstand; I do not want to tell you you can/should never bear children because of your condition. Just curious how your condition factors into the decision. I also felt inclined to ask the hard question because of what you said here:

I'm ready just can't afford it. A lot of my friends are having children which makes it hard for me because I feel like I can't.

You're obviously giving it serious thought and just want to suggest keeping your options open... And also mention that just because your friends are having kids doesn't mean you need to. :) Live your own way.

Best wishes!

that money is taxed as well.

Not necessarily! :) There is an "annual exclusion" of $14,000 for gifts (that's the number as of 2013). This means that each person can receive UP TO $14,000 in cash gifts and not pay any taxes on them. Also, there's kind of a loophole for married people: "Spouses can combine their annual exclusions to give $28,000 to any person tax-free."

IRS Source