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	<title>Comments on: Adopting strategies to pay for big expenses</title>
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	<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/</link>
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		<title>By: Rachel</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3172882</link>
		<dc:creator>Rachel</dc:creator>
		<pubDate>Mon, 24 Dec 2012 17:53:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3172882</guid>
		<description>Congratulations! We also adopted internationally and didn&#039;t fund-raise. We accepted help when it was offered and drained our savings account and saved, saved, saved! Our son was worth every penny. I love that we can tell him that. He had a rough start in life, but it is NOT because he is not valuable. (We found our son on Reece&#039;s Rainbow, a special needs orphans advocation organization)</description>
		<content:encoded><![CDATA[<p>Congratulations! We also adopted internationally and didn&#8217;t fund-raise. We accepted help when it was offered and drained our savings account and saved, saved, saved! Our son was worth every penny. I love that we can tell him that. He had a rough start in life, but it is NOT because he is not valuable. (We found our son on Reece&#8217;s Rainbow, a special needs orphans advocation organization)</p>
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		<title>By: Rachel Meeks</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3128912</link>
		<dc:creator>Rachel Meeks</dc:creator>
		<pubDate>Mon, 03 Dec 2012 18:16:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3128912</guid>
		<description>This was encouraging to my husband and I as we try to conceive our first child. We&#039;re terrified of the money aspect. But it&#039;s still just one step at a time. :)</description>
		<content:encoded><![CDATA[<p>This was encouraging to my husband and I as we try to conceive our first child. We&#8217;re terrified of the money aspect. But it&#8217;s still just one step at a time. <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Jen from Boston</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3125452</link>
		<dc:creator>Jen from Boston</dc:creator>
		<pubDate>Fri, 30 Nov 2012 14:52:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3125452</guid>
		<description>Ugh, it&#039;s mind blowing how tactless some people can be :P

&quot;How much did it cost you to get your child?&quot;

Ugh ugh ugh!

That is another bit of advice I&#039;d offer to adoptive parents - come up with a game plan on how to handle those questions, and how to talk to your child about that stuff if the cluess asks you in front of your child!  (It happens.)  Because, of course, kids aren&#039;t necessarily going to understand adoption fees as something other than a &quot;price.&quot;  And no one wants to feel like they&#039;ve been bought :(  [Similarly, no one wants to be a charity case, so try to avoid language suggesting that you saved your child.]

But, in general, prepare yourselves for some of the most ridiculous, rudest, noisiest, and dumbest questions from friends, family, colleagues, and even complete strangers.

But, to end on a happier note, my favorite dumb adoption question anecdote was the reply an adoptive mother of a Korean child when asked if her son&#039;s father was Asian: &quot;Yes, but I&#039;ve never met him.&quot;</description>
		<content:encoded><![CDATA[<p>Ugh, it&#8217;s mind blowing how tactless some people can be <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_razz.gif' alt=':P' class='wp-smiley' /> </p>
<p>&#8220;How much did it cost you to get your child?&#8221;</p>
<p>Ugh ugh ugh!</p>
<p>That is another bit of advice I&#8217;d offer to adoptive parents &#8211; come up with a game plan on how to handle those questions, and how to talk to your child about that stuff if the cluess asks you in front of your child!  (It happens.)  Because, of course, kids aren&#8217;t necessarily going to understand adoption fees as something other than a &#8220;price.&#8221;  And no one wants to feel like they&#8217;ve been bought <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' />   [Similarly, no one wants to be a charity case, so try to avoid language suggesting that you saved your child.]</p>
<p>But, in general, prepare yourselves for some of the most ridiculous, rudest, noisiest, and dumbest questions from friends, family, colleagues, and even complete strangers.</p>
<p>But, to end on a happier note, my favorite dumb adoption question anecdote was the reply an adoptive mother of a Korean child when asked if her son&#8217;s father was Asian: &#8220;Yes, but I&#8217;ve never met him.&#8221;</p>
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		<title>By: Miser Mom</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3124622</link>
		<dc:creator>Miser Mom</dc:creator>
		<pubDate>Thu, 29 Nov 2012 23:08:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3124622</guid>
		<description>I don&#039;t know if this comment is going to go into the right place -- this is a response to Julie (74) and Katelyn (73).  Yes, any kid could become addicted to drugs/go wrong in some way.  It *is* statistically more likely that a kid from foster care will have some kind of trouble though, and it&#039;s important for a prospective parent to consider that.  Each of the times we adopted, my husband and I went through all sorts of mandatory classes (dealing with ADHD, post-traumatic stress syndrom, recovering from abuse, etc), and I&#039;m very, very glad we did.

Most of those things didn&#039;t apply to my sons (thank goodness).  But the ADHD and learning issues certainly does.  Both of my current sons have real difficulty in school (one has finally started reading at grade level, 7th grade, but both get extra help in and out of school).  And if a parent isn&#039;t willing to be ready to deal with that, to the point of preparing for that possibility, then maybe adopting a kid out of foster care isn&#039;t for you.

Katelyn, earlier this year we brought a 15-year-old into our home that the social worker said had made amazing progress.  By the end of the summer, he was so bad (violent) we had to call the police to have him taken away.  I was glad there is a 6-month period between move-in and adoption, because he really would have overtaken the family if we&#039;d adopted him.  I admire your parents a lot.  How sad for everyone involved that the first few years of bad parenting can mean so much anguish despite years of smart, good-hearted people doing their best to change it.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t know if this comment is going to go into the right place &#8212; this is a response to Julie (74) and Katelyn (73).  Yes, any kid could become addicted to drugs/go wrong in some way.  It *is* statistically more likely that a kid from foster care will have some kind of trouble though, and it&#8217;s important for a prospective parent to consider that.  Each of the times we adopted, my husband and I went through all sorts of mandatory classes (dealing with ADHD, post-traumatic stress syndrom, recovering from abuse, etc), and I&#8217;m very, very glad we did.</p>
<p>Most of those things didn&#8217;t apply to my sons (thank goodness).  But the ADHD and learning issues certainly does.  Both of my current sons have real difficulty in school (one has finally started reading at grade level, 7th grade, but both get extra help in and out of school).  And if a parent isn&#8217;t willing to be ready to deal with that, to the point of preparing for that possibility, then maybe adopting a kid out of foster care isn&#8217;t for you.</p>
<p>Katelyn, earlier this year we brought a 15-year-old into our home that the social worker said had made amazing progress.  By the end of the summer, he was so bad (violent) we had to call the police to have him taken away.  I was glad there is a 6-month period between move-in and adoption, because he really would have overtaken the family if we&#8217;d adopted him.  I admire your parents a lot.  How sad for everyone involved that the first few years of bad parenting can mean so much anguish despite years of smart, good-hearted people doing their best to change it.</p>
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		<title>By: Bob</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3123312</link>
		<dc:creator>Bob</dc:creator>
		<pubDate>Thu, 29 Nov 2012 04:50:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3123312</guid>
		<description>Sally - that is so fast! Congrats! Just for others reading, we actually had to do it the way that I mentioned commenting - we filed for the tax credit prior to finalization and claimed expenses we incurred in 2010 for the 2011 tax year. This is the difference between domestic (non-special needs) and international adoption in regards to the tax credit. For domestic adoptions, it is not required to have a finalized adoption to claim the tax credit - we were audited and still got the full amount approved, so I&#039;m sure this is correct. It doesn&#039;t do you much good if you didn&#039;t have any (or many) expenses during the prior year, however.</description>
		<content:encoded><![CDATA[<p>Sally &#8211; that is so fast! Congrats! Just for others reading, we actually had to do it the way that I mentioned commenting &#8211; we filed for the tax credit prior to finalization and claimed expenses we incurred in 2010 for the 2011 tax year. This is the difference between domestic (non-special needs) and international adoption in regards to the tax credit. For domestic adoptions, it is not required to have a finalized adoption to claim the tax credit &#8211; we were audited and still got the full amount approved, so I&#8217;m sure this is correct. It doesn&#8217;t do you much good if you didn&#8217;t have any (or many) expenses during the prior year, however.</p>
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		<title>By: Sally</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3123242</link>
		<dc:creator>Sally</dc:creator>
		<pubDate>Thu, 29 Nov 2012 03:08:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3123242</guid>
		<description>Bob--Though the language is confusing, as I understand it, you can&#039;t claim the credit until the adoption is finalized--the year AFTER the expenses in the case of people who adopt in a two-year process. See the example here under &quot;When To Claim the Credit&quot;: http://taxes.about.com/od/deductionscredits/qt/adoptioncredit.htm. The related IRS page has similar wording.

In any case, we were the very rare couple that gets a baby quickly; we had finished with our home study less than two weeks when our son was in our arms, so we had no expenses before July of 2012. Even though it is amazing and wonderful that we got our son so quickly, it bunched our costs together in a breathtaking manner when we expected to wait much longer.</description>
		<content:encoded><![CDATA[<p>Bob&#8211;Though the language is confusing, as I understand it, you can&#8217;t claim the credit until the adoption is finalized&#8211;the year AFTER the expenses in the case of people who adopt in a two-year process. See the example here under &#8220;When To Claim the Credit&#8221;: <a href="http://taxes.about.com/od/deductionscredits/qt/adoptioncredit.htm" rel="nofollow">http://taxes.about.com/od/deductionscredits/qt/adoptioncredit.htm</a>. The related IRS page has similar wording.</p>
<p>In any case, we were the very rare couple that gets a baby quickly; we had finished with our home study less than two weeks when our son was in our arms, so we had no expenses before July of 2012. Even though it is amazing and wonderful that we got our son so quickly, it bunched our costs together in a breathtaking manner when we expected to wait much longer.</p>
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		<title>By: Bob</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3123162</link>
		<dc:creator>Bob</dc:creator>
		<pubDate>Thu, 29 Nov 2012 01:51:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3123162</guid>
		<description>Sally - You may already be aware of this, but you can claim the adoption tax credit for a domestic adoption prior to finalization. The catch is that you can only claim expenses you paid the year prior to the current tax year (in your case, expenses paid on or before 12/31/11). Given  the cost of adoption and the way costs are spread out, you may have paid enough prior to that date to still claim the full credit.</description>
		<content:encoded><![CDATA[<p>Sally &#8211; You may already be aware of this, but you can claim the adoption tax credit for a domestic adoption prior to finalization. The catch is that you can only claim expenses you paid the year prior to the current tax year (in your case, expenses paid on or before 12/31/11). Given  the cost of adoption and the way costs are spread out, you may have paid enough prior to that date to still claim the full credit.</p>
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		<title>By: Sally</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3123142</link>
		<dc:creator>Sally</dc:creator>
		<pubDate>Thu, 29 Nov 2012 01:33:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3123142</guid>
		<description>Do note that the adoption tax credit is mostly set to expire at the end of this year, has not been renewed by Congress past that, and has, by several estimations, only a 5-10% chance of being renewed by the end of the year. (You&#039;d have to finalize an adoption in 2012 to claim it if it is not renewed.)  See http://adoptiontaxcredit.org/ for updates.

I was very interested in this post because my husband and I adopted (newborn, domestic) in September; our son is now 11 weeks old. We are comfortably middle class, but adoption IS insanely expensive.  I think our total costs will end up being between $36k and $38k. We can&#039;t finalize until next year b/c of a six-month process in California, so we won&#039;t get the tax credit, which stings. That said, yes, once we had our son . . . there&#039;s nothing like it in the world. I had no idea I could be so in love with a tiny little person.</description>
		<content:encoded><![CDATA[<p>Do note that the adoption tax credit is mostly set to expire at the end of this year, has not been renewed by Congress past that, and has, by several estimations, only a 5-10% chance of being renewed by the end of the year. (You&#8217;d have to finalize an adoption in 2012 to claim it if it is not renewed.)  See <a href="http://adoptiontaxcredit.org/" rel="nofollow">http://adoptiontaxcredit.org/</a> for updates.</p>
<p>I was very interested in this post because my husband and I adopted (newborn, domestic) in September; our son is now 11 weeks old. We are comfortably middle class, but adoption IS insanely expensive.  I think our total costs will end up being between $36k and $38k. We can&#8217;t finalize until next year b/c of a six-month process in California, so we won&#8217;t get the tax credit, which stings. That said, yes, once we had our son . . . there&#8217;s nothing like it in the world. I had no idea I could be so in love with a tiny little person.</p>
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		<title>By: Julie</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3121842</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Wed, 28 Nov 2012 13:45:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3121842</guid>
		<description>Katelyn:  I am sorry for your situation with your step-siblings, but that is your story.  My story is that most of the people I know who suffer from drug and alcohol problems come from loving homes.  Can we conclude that children from loving homes are more likely to have issues with drugs?</description>
		<content:encoded><![CDATA[<p>Katelyn:  I am sorry for your situation with your step-siblings, but that is your story.  My story is that most of the people I know who suffer from drug and alcohol problems come from loving homes.  Can we conclude that children from loving homes are more likely to have issues with drugs?</p>
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		<title>By: Katelyn</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120912</link>
		<dc:creator>Katelyn</dc:creator>
		<pubDate>Wed, 28 Nov 2012 00:10:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120912</guid>
		<description>I understand the sentiment of your post, but adopting older children can be extremely hard on a family. My dad and step mom adopted two children, one age 3 and the other 5. These kids were taken away from the birth mother because of her drug use (meth) and after the adoption it came out that these kids had both been exposed to meth while the mother was pregnant. I&#039;m not saying all the kids in the foster care or adoption system are drug-affected kids. But this adds a whole new layer of issues my dad and step mom have to deal with. The boy, who is now 15, has been in and out of juvenile detention, drug rehab, court, etc. and is now a meth user himself. My parents are actually happy every time he gets arrested because they have no ability to rein him in and they worry how his behavior will affect his sister. The girl, now 13, has frequent seizures (that&#039;s the best way to describe them, but they are not the stereotypical seizure they show in tv medical dramas; her eyes get a very glassy vacant look like she&#039;s &quot;zoning out&quot;) that cause disconnects between her brain and her ability to communicate with people. Both my dad and step mom have worked with kids like this for the majority of their professional lives (my dad is a psychologist who works as a social worker), so theoretically they are better equipped to handle these kinds of issues. But they are both totally frazzled all the time. Both kids have a long list of diagnosed psychological disorders caused both by neglect/separation from birth mother and from exposure to meth. And the hardest part for my parents is that after 10 years of love, stability, psychologists, medication, and more love, these kids have still not developed a parent/child bond. That&#039;s why adopting older kids is intimidating. Because it doesn&#039;t matter how hard you try, and love, sometimes you can&#039;t fix what&#039;s already been done.</description>
		<content:encoded><![CDATA[<p>I understand the sentiment of your post, but adopting older children can be extremely hard on a family. My dad and step mom adopted two children, one age 3 and the other 5. These kids were taken away from the birth mother because of her drug use (meth) and after the adoption it came out that these kids had both been exposed to meth while the mother was pregnant. I&#8217;m not saying all the kids in the foster care or adoption system are drug-affected kids. But this adds a whole new layer of issues my dad and step mom have to deal with. The boy, who is now 15, has been in and out of juvenile detention, drug rehab, court, etc. and is now a meth user himself. My parents are actually happy every time he gets arrested because they have no ability to rein him in and they worry how his behavior will affect his sister. The girl, now 13, has frequent seizures (that&#8217;s the best way to describe them, but they are not the stereotypical seizure they show in tv medical dramas; her eyes get a very glassy vacant look like she&#8217;s &#8220;zoning out&#8221;) that cause disconnects between her brain and her ability to communicate with people. Both my dad and step mom have worked with kids like this for the majority of their professional lives (my dad is a psychologist who works as a social worker), so theoretically they are better equipped to handle these kinds of issues. But they are both totally frazzled all the time. Both kids have a long list of diagnosed psychological disorders caused both by neglect/separation from birth mother and from exposure to meth. And the hardest part for my parents is that after 10 years of love, stability, psychologists, medication, and more love, these kids have still not developed a parent/child bond. That&#8217;s why adopting older kids is intimidating. Because it doesn&#8217;t matter how hard you try, and love, sometimes you can&#8217;t fix what&#8217;s already been done.</p>
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		<title>By: Bob</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120892</link>
		<dc:creator>Bob</dc:creator>
		<pubDate>Tue, 27 Nov 2012 23:56:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120892</guid>
		<description>Congrats on your upcoming adoption. We adopted about a year ago (domestic infant adoption) and struggled with the financial aspects for both practical and philosophical reasons. We felt very uncomfortable with the idea of fundraising, primarily because we felt it perpetuated the myth of adoption as charity (especially with our chosen path) and we wanted to make sure we felt good about our actions in pursuing adoption since one day it would be our child&#039;s story to tell. We ended up borrowing money for the adoption and just made paying it off a priority and cut all non-necessary expenses. It definitely made it easier that the costs were spread out and you paid for each service as it was provided (homestudy, counseling, etc.).

It&#039;s always interesting to me how much cost in adoption is discussed as opposed to other ways of bringing a child into your family. Delivering via C-section in a hospital is easily several thousand dollars, but it is subsidized by insurance (if you&#039;re lucky) so it is a hidden cost. Yet we are still often asked how much adoption costs (or even how much our son cost - seriously).</description>
		<content:encoded><![CDATA[<p>Congrats on your upcoming adoption. We adopted about a year ago (domestic infant adoption) and struggled with the financial aspects for both practical and philosophical reasons. We felt very uncomfortable with the idea of fundraising, primarily because we felt it perpetuated the myth of adoption as charity (especially with our chosen path) and we wanted to make sure we felt good about our actions in pursuing adoption since one day it would be our child&#8217;s story to tell. We ended up borrowing money for the adoption and just made paying it off a priority and cut all non-necessary expenses. It definitely made it easier that the costs were spread out and you paid for each service as it was provided (homestudy, counseling, etc.).</p>
<p>It&#8217;s always interesting to me how much cost in adoption is discussed as opposed to other ways of bringing a child into your family. Delivering via C-section in a hospital is easily several thousand dollars, but it is subsidized by insurance (if you&#8217;re lucky) so it is a hidden cost. Yet we are still often asked how much adoption costs (or even how much our son cost &#8211; seriously).</p>
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		<title>By: BD</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120682</link>
		<dc:creator>BD</dc:creator>
		<pubDate>Tue, 27 Nov 2012 21:43:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120682</guid>
		<description>Julie: Exactly! You know exactly how I feel. It just seems so unfair to the older kids, and I know it must break their heart and wreck their self-esteem too, to see everyone gaga over the infants, while they are ignored.

Lisa: Perhaps one day, but it&#039;s going to be a long stretch. Sadly, I&#039;m extremely poor at this point in time (I don&#039;t even have a pet at this juncture in time, because I can&#039;t afford to care for one). Things don&#039;t look like they&#039;re going to get better for me either. I had a bad spell in 2005, which I thought would be over fast enough, but then the recession happened, and it&#039;s only been prolonged for reasons I won&#039;t say here because they&#039;re political. I&#039;ve been jobless for over 6 years now, and it will be years before I&#039;m in any position to help myself, much less help anyone else.

It&#039;s so frustrating to have the drive to want to help people, but being super-poor and limited in resources stopping that. Maybe one day things will get better though.

And oh man, that story about the wedding is so sad. Although, I can definitely relate on a certain level.</description>
		<content:encoded><![CDATA[<p>Julie: Exactly! You know exactly how I feel. It just seems so unfair to the older kids, and I know it must break their heart and wreck their self-esteem too, to see everyone gaga over the infants, while they are ignored.</p>
<p>Lisa: Perhaps one day, but it&#8217;s going to be a long stretch. Sadly, I&#8217;m extremely poor at this point in time (I don&#8217;t even have a pet at this juncture in time, because I can&#8217;t afford to care for one). Things don&#8217;t look like they&#8217;re going to get better for me either. I had a bad spell in 2005, which I thought would be over fast enough, but then the recession happened, and it&#8217;s only been prolonged for reasons I won&#8217;t say here because they&#8217;re political. I&#8217;ve been jobless for over 6 years now, and it will be years before I&#8217;m in any position to help myself, much less help anyone else.</p>
<p>It&#8217;s so frustrating to have the drive to want to help people, but being super-poor and limited in resources stopping that. Maybe one day things will get better though.</p>
<p>And oh man, that story about the wedding is so sad. Although, I can definitely relate on a certain level.</p>
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		<title>By: Juli</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120522</link>
		<dc:creator>Juli</dc:creator>
		<pubDate>Tue, 27 Nov 2012 19:50:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120522</guid>
		<description>I agree!  I would much rather donate for an adoption than buy overpriced cookie dough to build another new playground at the school.</description>
		<content:encoded><![CDATA[<p>I agree!  I would much rather donate for an adoption than buy overpriced cookie dough to build another new playground at the school.</p>
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		<title>By: Jenne</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120412</link>
		<dc:creator>Jenne</dc:creator>
		<pubDate>Tue, 27 Nov 2012 18:58:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120412</guid>
		<description>The fact remains that children who are adopted via local OR international adoption are not customized creations who didn&#039;t exist before they were adopted; they are children who need homes.</description>
		<content:encoded><![CDATA[<p>The fact remains that children who are adopted via local OR international adoption are not customized creations who didn&#8217;t exist before they were adopted; they are children who need homes.</p>
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		<title>By: Jenne</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120402</link>
		<dc:creator>Jenne</dc:creator>
		<pubDate>Tue, 27 Nov 2012 18:56:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120402</guid>
		<description>KT:
You don&#039;t *have* to contribute to a fundraiser, whether it is for a political party, providing a gift for a colleague&#039;s retirement, medical research, etc, or paying off unexpected healthcare costs.</description>
		<content:encoded><![CDATA[<p>KT:<br />
You don&#8217;t *have* to contribute to a fundraiser, whether it is for a political party, providing a gift for a colleague&#8217;s retirement, medical research, etc, or paying off unexpected healthcare costs.</p>
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		<title>By: Jen</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3120392</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Tue, 27 Nov 2012 18:45:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3120392</guid>
		<description>Hello,

Thanks for your question. Yes, the archive search is currently disabled. The best option at present is the gray box that says &quot;category&quot; on the right rail, about a 1/4 of the screen down (depending on your browser view). This &quot;category&quot; menu can expand and you can search articles by relevant category. 

I miss the archive search as well and we hope to have it back on the site in the future.

Jen the Editorial Elf</description>
		<content:encoded><![CDATA[<p>Hello,</p>
<p>Thanks for your question. Yes, the archive search is currently disabled. The best option at present is the gray box that says &#8220;category&#8221; on the right rail, about a 1/4 of the screen down (depending on your browser view). This &#8220;category&#8221; menu can expand and you can search articles by relevant category. </p>
<p>I miss the archive search as well and we hope to have it back on the site in the future.</p>
<p>Jen the Editorial Elf</p>
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		<title>By: Julie</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119992</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Tue, 27 Nov 2012 15:07:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119992</guid>
		<description>It is the intentions that are different.  Having a party to celebrate the pending birth of a child is different than having a party in order for a financial gain.

Separately, people don&#039;t throw baby showers for themselves, it is typically a friend of the parents-to-be who throws it.  Because to throw a baby shower for yourself would seem like you are soliciting gifts.</description>
		<content:encoded><![CDATA[<p>It is the intentions that are different.  Having a party to celebrate the pending birth of a child is different than having a party in order for a financial gain.</p>
<p>Separately, people don&#8217;t throw baby showers for themselves, it is typically a friend of the parents-to-be who throws it.  Because to throw a baby shower for yourself would seem like you are soliciting gifts.</p>
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		<title>By: Julie</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119972</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Tue, 27 Nov 2012 14:55:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119972</guid>
		<description>BD:  I think it is because our culture is obsessed with youth and it troubles me too.  It breaks my heart that these kids may know the lengths people go to adopt infants while they have no home bc they are too old/damaged.  I recently heard an ad on the radio for a local adoption event and was curious enough to check out the website.  There were kids of all ages, some as old as 17 that are looking for a family.  Lisa&#039;s reference to the wedding of the foster kids is just another reason they need a family.  I imagine that as they become adults they still will desperately want a family to come home to on the holidays, guidance through the first years on their own, etc.</description>
		<content:encoded><![CDATA[<p>BD:  I think it is because our culture is obsessed with youth and it troubles me too.  It breaks my heart that these kids may know the lengths people go to adopt infants while they have no home bc they are too old/damaged.  I recently heard an ad on the radio for a local adoption event and was curious enough to check out the website.  There were kids of all ages, some as old as 17 that are looking for a family.  Lisa&#8217;s reference to the wedding of the foster kids is just another reason they need a family.  I imagine that as they become adults they still will desperately want a family to come home to on the holidays, guidance through the first years on their own, etc.</p>
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		<title>By: Jen from Boston</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119952</link>
		<dc:creator>Jen from Boston</dc:creator>
		<pubDate>Tue, 27 Nov 2012 14:48:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119952</guid>
		<description>Oh, that is so sad :(

Another problem with aging out of foster care is that the kids suddenly have NO financial support, and odds are they&#039;ve never had ANYONE show them the ropes or provide guidance on personal finance.  I&#039;ve heard of a few pilot programs here and there that attempt to bridge that gap.  The last one I heard about gives the kids a stipend with the requirement that they attend personal finance classes.  A young woman who was in the program talked about how she learned how to budget and was saving up to further her education - either community college or a trade school, I can&#039;t remember.  She said without the program she&#039;d be lost about how to manager her finances.</description>
		<content:encoded><![CDATA[<p>Oh, that is so sad <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
<p>Another problem with aging out of foster care is that the kids suddenly have NO financial support, and odds are they&#8217;ve never had ANYONE show them the ropes or provide guidance on personal finance.  I&#8217;ve heard of a few pilot programs here and there that attempt to bridge that gap.  The last one I heard about gives the kids a stipend with the requirement that they attend personal finance classes.  A young woman who was in the program talked about how she learned how to budget and was saving up to further her education &#8211; either community college or a trade school, I can&#8217;t remember.  She said without the program she&#8217;d be lost about how to manager her finances.</p>
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		<title>By: Jen from Boston</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119932</link>
		<dc:creator>Jen from Boston</dc:creator>
		<pubDate>Tue, 27 Nov 2012 14:45:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119932</guid>
		<description>I think, too, like most kids, they don&#039;t want to stick out, and going to Russian/Korean/Chinese/whatever classes does that.  When I was a girl I bristled whenever anyone suggested I&#039;d want to go visit Korea, or that I would have a special interest in Korea.  (I&#039;m a Korean adoptee, in case you haven&#039;t had your coffee yet ;) )  I think I got angry because it was another reminder that I wasn&#039;t like my family, and I resented being pigeon-holed or told, explicitly or implicitly, how to feel about my adoption, ethnicity, etc.

Now that I&#039;m older - maybe more than I&#039;d like to think about - and my sense of identity is better, I&#039;m fine with talking about Korea.  In fact, I&#039;ve been to the country 2 times, and I&#039;m going againg next summer.  I also took a Korean language class a few years ago.  Sadly, it&#039;s difficult for a working adult to take ongoing Korean classes in Boston, so I haven&#039;t progressed much beyond, &quot;Hi, I&#039;m Jennifer.  I&#039;m American.  Where&#039;s the bookstore?&quot;

I think the best approach might be to introduce your child to the birth culture early, and keep it up until they reject it, but let them know you&#039;re open to them exploring their roots.</description>
		<content:encoded><![CDATA[<p>I think, too, like most kids, they don&#8217;t want to stick out, and going to Russian/Korean/Chinese/whatever classes does that.  When I was a girl I bristled whenever anyone suggested I&#8217;d want to go visit Korea, or that I would have a special interest in Korea.  (I&#8217;m a Korean adoptee, in case you haven&#8217;t had your coffee yet <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' />  )  I think I got angry because it was another reminder that I wasn&#8217;t like my family, and I resented being pigeon-holed or told, explicitly or implicitly, how to feel about my adoption, ethnicity, etc.</p>
<p>Now that I&#8217;m older &#8211; maybe more than I&#8217;d like to think about &#8211; and my sense of identity is better, I&#8217;m fine with talking about Korea.  In fact, I&#8217;ve been to the country 2 times, and I&#8217;m going againg next summer.  I also took a Korean language class a few years ago.  Sadly, it&#8217;s difficult for a working adult to take ongoing Korean classes in Boston, so I haven&#8217;t progressed much beyond, &#8220;Hi, I&#8217;m Jennifer.  I&#8217;m American.  Where&#8217;s the bookstore?&#8221;</p>
<p>I think the best approach might be to introduce your child to the birth culture early, and keep it up until they reject it, but let them know you&#8217;re open to them exploring their roots.</p>
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		<title>By: Jen from Boston</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119912</link>
		<dc:creator>Jen from Boston</dc:creator>
		<pubDate>Tue, 27 Nov 2012 14:35:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119912</guid>
		<description>I can see both sides of this policy. On the one hand, it IS excruciating for the adoptive parents to lose a child they&#039;ve just bonded with, but it is also excruciating for the birth parents to lose that child as well.  And, even though the birth parents have placed the child for adoption, they are still losing the child.  And, given the range of conflicting emotions a birth parents goes through, having a short waiting period isn&#039;t right, IMO.  Further, in the past (and probably some cases in the present) birth mothers were HEAVILY pressured to relinquish their children.  If you want more details, pick up a copy of the Girls Who Went Away by Ann Fessler(?)  It&#039;s a compilation of recollections of women whose children were placed for adoption in the 50s and 60s.  Some of their stories are absoulutely mind-blowing, and I got really angry reading about how they were treated.

That&#039;s one of the big issues with adoption - you have, essentially, three differents interests to balance - the child&#039;s, the birth parents&#039;, and the adoptive parents&#039;.  And the three interests aren&#039;t necessarily the same.</description>
		<content:encoded><![CDATA[<p>I can see both sides of this policy. On the one hand, it IS excruciating for the adoptive parents to lose a child they&#8217;ve just bonded with, but it is also excruciating for the birth parents to lose that child as well.  And, even though the birth parents have placed the child for adoption, they are still losing the child.  And, given the range of conflicting emotions a birth parents goes through, having a short waiting period isn&#8217;t right, IMO.  Further, in the past (and probably some cases in the present) birth mothers were HEAVILY pressured to relinquish their children.  If you want more details, pick up a copy of the Girls Who Went Away by Ann Fessler(?)  It&#8217;s a compilation of recollections of women whose children were placed for adoption in the 50s and 60s.  Some of their stories are absoulutely mind-blowing, and I got really angry reading about how they were treated.</p>
<p>That&#8217;s one of the big issues with adoption &#8211; you have, essentially, three differents interests to balance &#8211; the child&#8217;s, the birth parents&#8217;, and the adoptive parents&#8217;.  And the three interests aren&#8217;t necessarily the same.</p>
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		<title>By: Ramblin' Ma'am</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119882</link>
		<dc:creator>Ramblin' Ma'am</dc:creator>
		<pubDate>Tue, 27 Nov 2012 14:32:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119882</guid>
		<description>I think this is a risk for domestic infant adoption moreso than for older kids. In my state, older kids cannot be listed in the adoption photolistings until they are legally free and the birth parents have surrendered their rights. (Some of these are open adoptions, where the kids will talk with or visit their birth parents once or twice a year.)</description>
		<content:encoded><![CDATA[<p>I think this is a risk for domestic infant adoption moreso than for older kids. In my state, older kids cannot be listed in the adoption photolistings until they are legally free and the birth parents have surrendered their rights. (Some of these are open adoptions, where the kids will talk with or visit their birth parents once or twice a year.)</p>
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		<title>By: Elizabeth</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119722</link>
		<dc:creator>Elizabeth</dc:creator>
		<pubDate>Tue, 27 Nov 2012 12:41:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119722</guid>
		<description>One thing that struck me was the examples Lisa gave -- garage sales, bake sales, cooking for someone. These aren&#039;t people knocking on doors asking for cash. Every fundraiser I&#039;ve been involved in has required a lot of work. If people choose to make a cash donation as a gift, then why not? Parents are parents no matter how they grow their family. 

If people have a garage sale to pay off their credit card debt, why is it not okay to do the same to raise money for adoption?</description>
		<content:encoded><![CDATA[<p>One thing that struck me was the examples Lisa gave &#8212; garage sales, bake sales, cooking for someone. These aren&#8217;t people knocking on doors asking for cash. Every fundraiser I&#8217;ve been involved in has required a lot of work. If people choose to make a cash donation as a gift, then why not? Parents are parents no matter how they grow their family. </p>
<p>If people have a garage sale to pay off their credit card debt, why is it not okay to do the same to raise money for adoption?</p>
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		<title>By: Lisa Aberle</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119662</link>
		<dc:creator>Lisa Aberle</dc:creator>
		<pubDate>Tue, 27 Nov 2012 11:37:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119662</guid>
		<description>I asked about this, too. It is gone for the moment, but I know the editor has asked for it to return. I hope it does, because I used it all the time!

Maybe Ellen or Jen the editorial elf will chime in.</description>
		<content:encoded><![CDATA[<p>I asked about this, too. It is gone for the moment, but I know the editor has asked for it to return. I hope it does, because I used it all the time!</p>
<p>Maybe Ellen or Jen the editorial elf will chime in.</p>
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		<title>By: Patrick</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119542</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Tue, 27 Nov 2012 08:15:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119542</guid>
		<description>Congratulations on your adoption, it will be February before you know it!

The money you need, doesn&#039;t stop after the adoption though. You might want to save for roots travel, medical costs in case of special need and maybe for extra visits to his or her home country or birth parent research.

In our country (Netherlands) we had a financial tax compensation for adoption costs, arranged by our government. Maybe there are similar compensations in your country?

Anyway, what I realized with our own adoption, in the end, when you are at home again, your financial funds may be low, but you&#039;ll be richer than before. :-)</description>
		<content:encoded><![CDATA[<p>Congratulations on your adoption, it will be February before you know it!</p>
<p>The money you need, doesn&#8217;t stop after the adoption though. You might want to save for roots travel, medical costs in case of special need and maybe for extra visits to his or her home country or birth parent research.</p>
<p>In our country (Netherlands) we had a financial tax compensation for adoption costs, arranged by our government. Maybe there are similar compensations in your country?</p>
<p>Anyway, what I realized with our own adoption, in the end, when you are at home again, your financial funds may be low, but you&#8217;ll be richer than before. <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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		<title>By: LeRainDrop</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119352</link>
		<dc:creator>LeRainDrop</dc:creator>
		<pubDate>Tue, 27 Nov 2012 04:33:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119352</guid>
		<description>I&#039;m 100% with you, Holly!  Adoptive parents ought to have the joy of new parenthood celebrated, just as biological parents would, and as a friend, I would want to contribute to their happiness.  Yes, I&#039;d be turned off by an entitled attitude, but I would not expect any of my friends to act that way.</description>
		<content:encoded><![CDATA[<p>I&#8217;m 100% with you, Holly!  Adoptive parents ought to have the joy of new parenthood celebrated, just as biological parents would, and as a friend, I would want to contribute to their happiness.  Yes, I&#8217;d be turned off by an entitled attitude, but I would not expect any of my friends to act that way.</p>
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		<title>By: SweetCoffee</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119342</link>
		<dc:creator>SweetCoffee</dc:creator>
		<pubDate>Tue, 27 Nov 2012 04:30:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119342</guid>
		<description>I have a question about the website and I&#039;m unsure of where to post it:  

Is the search function gone from the archives section?  I have used it a ton in the past to find relevant/related articles or to look up a specific article where I couldn&#039;t remember all of the title.

Thanks!</description>
		<content:encoded><![CDATA[<p>I have a question about the website and I&#8217;m unsure of where to post it:  </p>
<p>Is the search function gone from the archives section?  I have used it a ton in the past to find relevant/related articles or to look up a specific article where I couldn&#8217;t remember all of the title.</p>
<p>Thanks!</p>
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		<title>By: Holly@ClubThrifty</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119322</link>
		<dc:creator>Holly@ClubThrifty</dc:creator>
		<pubDate>Tue, 27 Nov 2012 03:59:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119322</guid>
		<description>Maybe I am a weirdo but I would be thrilled to give to a friend who was having a fundraiser to raise money for an adoption.  I don&#039;t give handouts very often and am very frugal but I would be enthusiastic about the cause if it were for one of my friends who wanted to be a parent.</description>
		<content:encoded><![CDATA[<p>Maybe I am a weirdo but I would be thrilled to give to a friend who was having a fundraiser to raise money for an adoption.  I don&#8217;t give handouts very often and am very frugal but I would be enthusiastic about the cause if it were for one of my friends who wanted to be a parent.</p>
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		<title>By: Jennifer</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119312</link>
		<dc:creator>Jennifer</dc:creator>
		<pubDate>Tue, 27 Nov 2012 03:50:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119312</guid>
		<description>Me, too please:-)  I am so happy for you, and hope to be able to experience the same joy someday.  I will be sendings tons of kind, compassionate, and joyful thoughts you and your new family&#039;s way!</description>
		<content:encoded><![CDATA[<p>Me, too please:-)  I am so happy for you, and hope to be able to experience the same joy someday.  I will be sendings tons of kind, compassionate, and joyful thoughts you and your new family&#8217;s way!</p>
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		<title>By: Elizabeth</title>
		<link>http://www.getrichslowly.org/blog/2012/11/26/adopting-strategies-to-pay-for-big-expenses/comment-page-1/#comment-3119302</link>
		<dc:creator>Elizabeth</dc:creator>
		<pubDate>Tue, 27 Nov 2012 03:45:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=154432#comment-3119302</guid>
		<description>@Beth - One thing that became brutally apparent to me when I was teaching is that some people who can easily have kids should not have kids. (I&#039;m talking abuse and neglect here.)  That, to me, is the ultimate &quot;ego-driven lifestyle choice&quot;.

After reading this discussion, I&#039;m on the fence about adoption fundraisers. I don&#039;t think I would hold one myself, but I also don&#039;t think only rich people should get to adopt. It&#039;s a complicated issue, isn&#039;t it?</description>
		<content:encoded><![CDATA[<p>@Beth &#8211; One thing that became brutally apparent to me when I was teaching is that some people who can easily have kids should not have kids. (I&#8217;m talking abuse and neglect here.)  That, to me, is the ultimate &#8220;ego-driven lifestyle choice&#8221;.</p>
<p>After reading this discussion, I&#8217;m on the fence about adoption fundraisers. I don&#8217;t think I would hold one myself, but I also don&#8217;t think only rich people should get to adopt. It&#8217;s a complicated issue, isn&#8217;t it?</p>
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