How Can You Afford Adoption?

We had many questions and fears when we began considering adoption. We thank God that those obstacles didn't keep us from the gift of our sweet little boy! But those fears and questions matter-they shouldn't be ignored.  It's important to think through your fears and examine them. One of the main thoughts that can prevent someone from actually pursuing adoption is the issue of money; how can someone afford to adopt?

This concern is pretty understandable.  Adoption is so expensive!  If you've had the desire to adopt but feel like there's no possible way you could afford it, you're not alone.  In fact, the majority of adoptive couples have thought that very same thing. My husband, Josh, and I definitely wondered how we would afford adoption before we started our journey. Like most couples considering adoption, we did not have the money saved and ready to go when we started or any idea exactly how we would get it.

I could tell you all about tons of grants available, interest free adoption loans, adoption fundraisers and other ways to fund adoption. I could tell you about the amazing friends and family and strangers that came alongside us. I could tell you about our adoption consultant who pointed us to helpful resources. I could tell you about the hundreds of families I've seen God provide for as I've guided them in their adoption journey as their consultant.

But if you aren't moving towards adoption because you believe you could never afford it, there's probably something bigger going on than just your financial situation. The heart behind this fear isn't mainly financial in nature: I think this is often an issue of priorities and faith.

We spend money on what we prioritize.  Those of us who are concerned about adoption finances aren't usually found saying, "I want to go on a vacation someday but I can't afford it," or "I'd love a car but I can't afford it," or "I wish I could go to college but I just could never put together the finances." It's a rare thing for me to hear someone worried about adoption finances say, "I always wanted to buy a house but I could never afford one." These things are all very expensive, but we don't let that keep us from them.  

We find a way to do what matters to us.  We plan, we save, we take out loans, we work an extra job, we ask people for help, we trim our budget, we do whatever we have to do to find a way to fund what we care about. Why would we let fear of how the money will come in keep us from pursuing something way more valuable than a house or a car?  

This is a hard word to hear but I think it's important to consider. It is possible that this holdup is about something other than your finances? We look at the financial expense of adoption and think of it solely in terms of what WE can accomplish. We don't have enough money. How could we ever afford it? 

But if you're a Christian then you have a God who owns everything-including all the money in the world. 

"The silver is mine, and the gold is mine, declares the Lord of hosts." Haggai 2:8

It all belongs to Him and He is in charge of it. You have a Father who loves His children. You have a Creator who gave everything that you might be adopted into His family! 

"See what kind of love the Father has given to us, that we should be called children of God; and so we are." 1 John 3:1

He loves adoption and He loves to provide for adoption! He will make a way to fund what He calls you to.

Beyond those things, there is a sure and certain hope that we have of God's commitment to us because of the Cross. If you are a Christian, then God has met your greatest need at the Cross. God sent His Son, Jesus, to die in your place, taking the punishment that you deserved because of your sins. He is such a wildly generous and gracious God!

"He who did not spare his own Son but gave him up for us all, how will he not also with him graciously give us all things?" Romans 8:32

Does this mean that God will give each of His children money for whatever they want? No. That's not the point of the truths I shared, and that would be grossly misinterpreting Scripture. I'm not saying you should jump right in and start the process without a dime to your name or that God's going to drop thousands of dollars in your lap the second you move forward. If you are deep in debt, without a job, or unable to make ends meet currently, then this is not the right time for you to adopt. But if you're in a stable financial spot and your only hold up to pursuing adoption is that you don't know how you can afford it, I want to challenge you to take that fear to the Lord. God is far more generous than we give Him credit for. Is He asking you to trust Him? How and when the money comes in differs from family to family but if He leads a family to adopt, it does come.

We began our homestudy with only a little over a thousand dollars saved.  We stand in awe at God's faithfulness to provide for our own family's adoption! 

If God is stirring your heart to consider adoption, don't stay paralyzed by your fears about finances. Don't let the fear that you could never afford adoption keep you from following His lead. And if you hear someone say, "I'd love to adopt but we could never afford it," please don't just agree. Let's stop looking at what WE can do and starting thinking about what God is able to do.