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September 28, 2020

How to Pay for Adoption Costs without Debt – with Amanda and Jonathan Teixeira

holding hands with baby

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If you're considering adoption, one of the first stumbling blocks is the cost. Depending on which route you take, you could be looking at tens of thousands of dollars. So, how do you pay for adoption costs without debt?

Amanda and Jonathan Teixeira join me today to share how they went through their adoption process three times, spent nearly $100,000 and remained debt-free throughout the process. They are now a happy family of 5 living in Omaha and without an ounce of debt.

Listen and watch how they made adopting without debt a reality for their family!

What are we covering?

Jonathan, Amanda and I review the following:

  • The typical adoption costs parents can expect
  • How Jonathan and Amanda adopted without debt
  • Ways you can find the right side hustle to earn extra cash for your adoption

Jonathan and Amanda set their family financial goal and made it happen not only once, but three times. Listen or watch this episode and see how you can pay for your adoption costs without debt!


Interview Takeaways

1. Understand the 3 Ways to Adopt

With adoption, you have options. The Teixiera Family shared three ways with us:

  • Domestic
  • Foster
  • International

Domestic is the route that they chose. If you’re considering adoption, look into each of these routes, and weigh the pros and cons. Depending on your situation, you might select a completely different path than they did.

2. Use a Side Hustle to Pay for Adoption Costs

Jonathan had a skill for graphic design. He used that skill to work extra hours outside of his job to save up money so he could become a Daddy to his three girls. 

Think about what your “unique strength” might be. Could you use that as a side job to make extra cash for your adoption?

3. Get Creative with your Adoption Costs

Who would have thought a simple adoption puzzle would bring in thousands of dollars for an adoption?!

If you don’t have the creative or graphic design skills that Jonathan has, no worries. 

Look into adoption grants or even employer benefits to help you achieve your adoption goals. 

With some determination and persistence, you’ll be hugging your children in no time.

Guest Bio – Amanda and Jonathan Teixiera

Jonathan and Amanda Teixeira

In January 2012, Jonathan and Amanda Teixeira had $25,000 in debt and a deep desire to break free. A short—and zealous—7½ months later they wrote their last check to Sallie Mae and closed the doors on debt forever.

Since kicking debt to the curb, they’ve focused on saving, investing, and giving in a way that set them up for total financial independence for a lifetime. Upon hearing their story, a few people asked them money questions…and they answered them. That snowballed into hundreds of people asking questions, speaking at events, and providing 1:1 financial coaching.

They launched WalletWin, in 2017 to help as many people as possible get out of debt, build wealth, and transform the world through generosity through their online course, membership, and podcast.

They live in Omaha, NE with their three daughters Josie (4) Charlotte (2) Ellie (1) and crazy but lovable Labrador Retriever, Wrigley.

Jonathan and Amanda Teixeira Resources

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“There is no doubt that it is around the family and the home that all the greatest virtues, the most dominating virtues of human, are created, strengthened and maintained

 Winston Churchill

Are you considering adoption? How will you pay for the adoption costs?

Please let us know in the comments below.

adoption costs

Andy Hill

Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness. With millions of podcast downloads and video views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock.

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Marriage Kids and Money Podcast

About Marriage Kids & Money

The Marriage Kids and Money Podcast is dedicated to helping young families build wealth and happiness.

With over 400 episodes and counting, we share interviews with wealthy families, award-winning authors, and personal finance experts to help you find your version of family financial independence.

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