Foster/adopt vs. domestic infant adoption

Basically, yes. We live comfortably, but we also live frugally. We are able to live within our means, don't have big debts (just a car payment and a small credit card debt which is quickly being erased). But we also don't do extravagant vacations, our kids wear hand-me-downs a lot of the time, etc. We have health insurance, but our kids use state-subsidized health insurance (called Child Health Plus in NY state) because it would almost double the cost (we pay for private health insurance) and we just cannot do it. I just wonder if those things disqualify us. Thanks, Kathy