Not The Right Timing For Adoption?

Joel and his wife are considering adoption. They want to adopt a group of siblings, and Joel makes about $40,000 a year. Should they borrow money to do this and make the adoption final?

QUESTION: Joel in Texas and his wife are considering adoption, and they have no children right now. They want to adopt a group of siblings, and Joel makes about $40,000 a year. They are 35 and 34 years old. Should they borrow money to do this and make the adoption final? Dave says no.

ANSWER: I don’t want you to pay $10,000 a head and be $40,000 in adoption fees in debt. I can’t recommend that. I think adoption is one of the highest callings on the planet. I think it’s an awesome thing for people to do who are called to it, but I’m not going to teach you to go into debt to do it. I just can’t. I can’t tell you that’s wise.

If they’ll take care of the fees and you just take over feeding the kids and raising the kids, you can do that a lot less expensively than people think.

Your wife is not going to get a job. She’s going to want to stay home with this brood. You’d better be running this on your income. You guys have to really talk through that, and that has to be a big-time commitment because you’re going to adopt these kids and then put them into daycare. You’ve got to really be willing to do that. For instance, I will tell you the number of ladies who get pregnant who work here and promise us that they’re going to come back and then don’t is almost all of them. Some of them do, but not many. We lose a lot of them. That’s a good thing. They’re mommies. It’s not a bad thing. But you’ve got to think through that and can you afford this under different circumstances. Then based on those circumstances, both of you are going to look at each other and decide that you’re going to be financially responsible with this process.

I cannot tell you to go $40,000 into debt to do this. As a matter of fact, I would tell you not to, because I don’t believe it’s a God thing in that case. God doesn’t use debt. It’s not in Scripture anywhere. It must be that the timing is different than you think if you don’t have the money. That’s the way I look at it, because I don’t buy stuff unless I have the money. I don’t do anything unless I have the money. That’s a real problem sometimes.