Surrogacy is a selfless and life-changing experience that a person may have. It’s not just a matter of helping to build a family it’s a profoundly personal decision combining emotional compassion with physical commitment. But there’s another facet of surrogacy that’s also well worth examining; its financial potential.
For some, surrogacy may be a way to bridge, a way not just to assist others in creating a family but in creating a stronger financial future of their own as well. Whether you’re an existing surrogate or considering becoming one, here’s what you need to know about making your sacrificial act a stepping stone for long-term wealth creation.
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The Financial Reality of Surrogacy
Gestational surrogates in the United States commonly are paid between $40,000 and $70,000, occasionally more based on experience, location, and agency. This does not include extra allowances for maternity attire, travel, medical procedures, or lost wages.
While most surrogates enter into the process to assist others, it’s worth noting this compensation for what it truly is. What you do with that money has the potential to set the course for your finances in the future.
Family Building for Others, Wealth Building for You
Most surrogates enter the process already juggling their family duties. These typically consist of childcare, rent or mortgage payments, and savings for the future. Surrogacy pay can go from temporary relief to empowerment long-term with the proper planning. Here’s how:
1. Begin with a Financial Plan
Sit down and make a plan before the first payment lands in your account. How much can you set aside for near-term expenses, and how much can you allocate towards debt repayment, savings, or investment? Discuss with a financial advisor if available. A good plan keeps you away from impulse buying and makes sure every dollar is working for you.
2. Pay off High-Interest Debt
Another of the smartest things to do is to eliminate high-interest credit card loans or personal loans. This not only opens up your monthly finances, but it also boosts your credit score and lessens financial stress in the long term.
3. Create an Emergency Fund
Try to save 3 to 6 months of living costs. Life is uncertain; having an emergency fund keeps you and your loved ones safe in the event of unexpected job loss, medical bills, or other curveballs.
4. Invest in Your Future
Whether it’s putting money in a retirement fund, taking a class to gain new skills, or even starting a small business, investing in yourself with your surrogacy pay has long-term dividends.
5. Set Aside for Your Children’s Future
If you have children of your own, think about beginning or adding to a college savings plan. Small contributions each month can become significant over the years with the power of compound interest.
Emotional and Financial Empowerment Go Hand-in-Hand
Surrogacy isn’t simply a gift to someone else—it’s also a chance at personal transformation, introspection, and economic empowerment. You aren’t “simply” being pregnant for another person; you’re also pregnant with the ability to change your own family’s path.
By taking the financial aspect of surrogacy with the same concern and care as the physical and emotional aspects, you can leave with more than the satisfaction of assisting in the creation of a family—you can create wealth and a better future for yourself.
Working with Financial Professionals
As surrogates weigh the best ways to manage and increase their compensation, having a reliable financial advisor on their side can be the difference-maker. Towerpoint Wealth is a boutique wealth management company that is experienced in assisting individuals and families in transforming short-term income into long-term security.
Through customized financial planning, investment planning, and high dedication to education, Towerpoint Wealth encourages clients to take command of their savings, investing, and building enduring wealth. For surrogates who seek to use their pay to wipe out debt, secure their future, or plan for significant life milestones, partnering with a firm like Towerpoint Wealth can deliver the professional expertise and sense of security required to maximize every dollar.
How Much Do Surrogates get Paid?
Surrogates at Made in the USA Surrogacy are paid a competitive compensation and benefits package meant to reward their phenomenal commitment to the surrogacy process. Surrogates are paid up to $95,500, and actual compensation is based on whether you are an experienced or new surrogate and other considerations such as carrying multiples.
The compensation package consists of a base salary and a benefits package. Base pay for first-time surrogates is $60,000, and base pay for veteran surrogates is $65,000. On top of this, the benefits package contains bonuses and allowances like a $1,500 medical clearance bonus, $500 for beginning medication, $1,500 for each embryo transfer, lost wages according to your current income, and a $3,500 monthly allowance. Surrogates are also given a $2,000 housekeeping stipend, $1,000 in maternity attire, and 10 days of lost wages for the spouse. Notably, each surrogate is also insured with a life insurance policy and medical insurance, with base pay unaffected by employment status, marital status, health insurance, or where they live. The intention is to provide a transparent, equitable, and nurturing experience for all surrogates who collaborate with Made in the USA Surrogacy.
Final Thoughts
Being a surrogate is a powerful, compassionate decision that creates life and hope for others. But it’s also a rare opportunity to make strategic financial choices that can have ripple effects for years to come. If you’re considering becoming a surrogate, or are already on the journey, take time to think beyond today. Use this moment not just to give—but to grow.
