I also think don't think that spending the money is selfish. I agree, it is an investment in my physical and emotional health, my babies health and the wellbeing of my family. I know that with a homebirth, because of the amount of education pertaining to informed choice that is being provided to me by my MW, that I have the best possible chance for the birth I want and can be empowered no matter what happens because I have all the information and a care provider I trust.