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They are not looking for actual savings. Trust me, we used all of ours on the actual adoption. They want to see that you have a positive net worth and can AFFORD to add a child (and all of the expenses of that child) to your household income. We rented, had very little in savings and no retirement (we are still very young). But, we also have no debt and a good income. We had no problem qualifying for adoption and getting our son home.
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