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I think your answer depends HUGELLY on variables like childcare or not, medical issues (and your insurance coverage for normal stuff), and of course, how willing you are to use used clothing, furniture, etc.
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Referral of 4 day old BG 4/07/05
Home forever 11/09/05 
lovin' family life since
June 2006: found a waiting child and starting the process to bring him home
born 4/27/03
8/22/07--home
April 2009: decided to pursue an Ethiopian adoption for "baby sister"
9/9- CIS approval
9/17- officially on the wait list~hopefully 8-10 months
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