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All right let's go South Bend, Indiana and talk to Doug -- Doug welcome to the Dave Ramsey show.
Thank you for take -- -- -- it sure looks up.
Well that -- -- I'm married I work full time and I'm going to school part time -- my MBA.
And my wife and I are.
-- the adoption -- And it.
From the research we've done.
Yes committee -- adopting it about twenty to 30000 dollars -- -- There.
If you're doing domestic adoptions should be well under twenty between ten and -- If you watch without that the problem with -- -- -- so emotional that the price the prices on the -- Services and -- run all over the map.
I've -- -- playing as high as fifty.
Authorities Heilman domestic.
-- -- particularly how we run into this a lot as you might imagine industry we're trying to figure out what that does for their finances.
So you got a lot of stuff -- -- your finances if -- thing about adopting and doing an MBA and working.
Right well about.
-- -- my NBA this year and knowing that it takes.
You know it depicts -- twelve -- probably to -- A plan to be -- let my MBA by the -- You know we -- have a child at that point you.
But I get truly what the question is is that my company provides.
-- assistant -- doc can legally and then yet his very cool.
Yeah it really is now.
That being that it all comes on the back -- -- -- -- the baby up front -- and then it will reimburse.
And I had our credit.
Right -- -- -- that they've had 111000 dollar tax credit now the kids to go.
Because really what what the question is this how do I get I managed to cash flow from that -- back.
Got what money we have is going towards my NBA right now.
And you know and they you know we can get the 101000 -- my company and then the 111000 dollar tax credit.
I guess where we're looking at.
Trying to come up some money.
I don't know cash flow and in the note you know I'm I'm gonna say look the money and then those two checks when they come back -- gonna replenish my savings account.
That may -- you what you're talking about about six months.
But I'm I'm I'm gonna cash flow this.
You do not want to get into a situation where your you know -- have.
Want something fall apart in your best laid plans of mice and men and you end up with -- debt on on adoption.
Cool and isn't this a serious relational dynamic -- there.
And and I understand the urgency and understand the pollution and understand that the heart tugged and I get all that.
But I think you're probably gonna -- a little bit of space.
Logistically between some of the things that your trying to do so that you can cash flow it.
That's what I would have to do but I don't borrow money you know although I will tell you that probably one of the most important things you get a refund money on will be kids.
I just can't think everything that's a better thing to invest it and and so I'm with you completely.
On your call to adopt and and you know really work your budget over and really work over the agency that you're dealing with and let's get.
It reasonable pricing and so forth.
And even see if some of the fees can be delayed with them until you receive the money back from a company those kinds of things or maybe a way that that they cash flow with you.
That that might be a great way to do some of it as well.
The portion has to come out of pocket I'm gonna cash flow -- -- in your shoes.
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