My husband and I are in a similar situation. We don't feel it would be right for us to potentially wasting money trying to get pregnant with treatments, and we will eventually adopt older children, as this has always been a dream of mine, but we are waiting until we are better financially established.
I feel pretty desperate at times in my desire to have kids. It's really hard for me to give up the dream of raising a baby. It's hard enough to know I'll more then likely never get to experience pregnancy or childbirth. So far in looking for a female to help us out we have been unsuccessful.
Have you considered becoming foster parents? I don't know all the rules and regs, but most states are pretty desperate for foster families. It's one of the hardest routes to becoming a parent, but it's one I know I'll take eventually.
Good luck! If you would like to chat sometime hit me up.