I never do anything without being financially ready. I'm a big believer in only commiting to something when I have the cash to allocate for all of it. I wouldn't buy a car, house, anything without actually having the cash for it.
it’s more like getting into a cold swimming pool, you’ll never be fully prepared you just need to jump in
Prospective adoptive parents need to assume a difficult years-long process with no guarantee of placement, mid to high five-figures expenses or more (prohibitive for the average non-FAANG Americans), assume major undisclosed and significantly heritable mental health disorders, assume undisclosed in-utero substance exposure requiring challenging and costly care, and be aware of revocation periods up to one year in length.
I've seen people exhaust themselves financially after many years of trying only to be told by agencies they were now above the age limit. I've seen people learn later of a family history of not just Cluster C or even B disorders, but A. I've seen revocation on the last day of eligibility at the one year mark.
International agencies are notorious for not disclosing previously diagnosed FAS, drug exposure, autism, and other major medical issues to the receiving stateside agency a consistent problem adopting out of Eastern Europe, especially.
Too many good homes who would love to adopt are being put off of the process. We need major adoption reform so eligible parents have a relatively smooth process they can trust.
For all my horror stories I've also seen it work out wonderfully for people, and wish you the best. In my book it's one of the noblest things anyone can do.