I can completely understand your dilemma. We transferred 2 embryos after 1 failed cycle....for similiar reasons such as financial and I was 36 & desperate I think. We now have nearly 3 yr old twins ( and an 11nth old). It's been really hard raising twins...financially, socially, my career has been put on hold, huge pressure on marriage, & just overall health. They r hard work, whereas my singleton is just delightful because he is only one. We have enjoyed a lot of support from the grandparents....I don't think we could do it without them. I had quite a smooth pregnancy & despite them being 6 week premmie they were very healthy. I can't imagine how much harder it could have been if either had health problems or special needs. Even now at nearly 3, it is hard, relentless,, constant referree-ing.
I love them both, but if I had my time again, knowing what I do today, I don't think I would transfer 2 embryos.