How One Couple Financed an Adoption Without Debt

In this episode of Money for Couples, Lucas and Luna explore how one couple — Jen and Mark from Portland — planned and paid for a domestic adoption without going into debt. We break down the specific numbers: $38,000 in total costs over 18 months, the savings timeline, the side-hustle strategy that covered legal fees, and how they navigated the emotional friction of saving for a child whose arrival date they couldn't control. We also discuss the tax credit that covered a third of the cost, and how their 'adoption fund' became a shared project rather than a source of stress. Relevant for any couple facing a big, uncertain expense — not just adoption. #AdoptionCosts #FamilyFinance #JointSavings #CouplesBudgeting #SideHustle #TaxCredits #Portland #FertilityJourney #ParentingCosts #NoDebt #FinancialPlanning #SharedGoals #MarriageMoney #LegalFees #AdoptionTaxCredit #FexingoBusiness #BusinessPodcast #MoneyForCouples Keep every episode free: buymeacoffee.com/fexingo