Well, hey you guys, I am so excited about today's episodes for a lot of reasons because I think one of the questions we get when it comes to money is around kids and family,

but also a specific segment when it comes to adoption.

So I'm so excited that Marcy Burzac is joining us because she is an expert on this entire field and her heart is so big when it comes to the world of adoption.

So Marcy, thanks for being here.

I am so delighted to be able to spend time with you Rachel and to be able to share

with your listeners what kind of I learned the hard way that hopefully can help them really make a dream.

I know and I feel like we've just kind of been in the same circles and specifically when it comes to you know doing this financially wise as well has been a big part

So talk me through international versus domestic timeline wise and financially like how much it costs on each of those.

Yeah so when you go through adoption you have three choices you can do international

you can do domestic or you can do foster care adoption so with international

adoption minimum you're gonna spend

is about $34,000 out of pocket,

through all the travel expenses, legal fees, etc.

Through domestic infant adoption,

minimum is $30,000, so slightly less, still substantial, right?

And then for foster care adoption, you're spending anywhere from zero to $5,000, depends on the state,

but all of that is then refundable through a federal

tax credit and then additionally through foster care adoption things like

health insurance dental insurance typically states cover a significant

portion until the child's 18 on top of it insurance typically states cover a significant portion

until the child's 18 on top of it.

Some states even offer like child care

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