Argh. I've lots of resources but little idea where to REALLY start.

Hi all, I've been researching and considering adoption for a long time, yet I am really struggling to determine my best option and I'm open to many - however I'll say right off the bat we aren't looking at adopting an older kid, or one from the U.S. foster system. Yet. Meanwhile, I feel the clock ticking with every day due to our ages. (We are healthy, but not everyone wants 'older' parents as you know.) I'll cut to the chase: I'm single, 49, my partner is a healthy, active 62. We've been living together exclusively for 9 years. We're both divorced, and never saw the need to run to get that marriage license...until more recently. We both have careers, our own small home, lots of space, lots of love to give, work flexible schedules, but don't have a ton of money. We were HOPING to adopt a toddler, age 2- 5, thus figured foreign was the way to go. I would have adopted earlier, but had a chronic health problem for many years (Lyme) I am finally mostly cured (Yay!) hence the low cash flow, thanks to old medical bills and reduced income from reduced work hours, etc. You can already imagine my dilemmas! Do I adopt as a single mother? I won't actually BE single, but this limits the countries, and raises the ages available to me, and my appeal to pregnant moms if I look for a newborn. Do we get married tomorrow? Which we were going to last year, but waited when we were told it would put adoption applications on hold overseas for one to 5 years. But now I'm wondering how much we were misinformed, especially given our long history living and working together? Do we give up, and look at 7, 8 year olds, which is very different than planned? Do we "go American" which is perfectly fine too, but does than mean we are limited newborns or older foster children? How do we find the mostly healthy boy/girl to love who is average age 3-4, and from where? Can we? I have books, friends, sources, agencies to talk to - and yet I still feel I have more questions than answers! I admit I am feeling overwhelmed and a bit quietly demoralized about the whole thing, to be perfectly honest. Suggestions? I'm all ears!