Just a bit of adoption funding experience for you.. Adoption is very expensive BUT look into your options. Our total cost to adopt Mia (including travel and all) was about 20K - 10K of that was covered by the adoption credit and 5K by my companies adoption assistance program (note - Leah was the official adopter in Guatemala, but MY company still paid - without blinking an eye.) So we were really only out of pocket 5K - which is not insignificant - but much more manageable. (and a drop in the bucket compared to swimming lessons, summer camp and saving for college!)

Good luck with everything Heather - I can hear your excitement and nerves in everything you write - it will all be good!