waiting child sites

I think you are concerned about -- and mistaken about -- the "$80,000" figure that you've seen on China sites. Remember that it does NOT mean that you must have an income of $80,000. It simply means that your net worth -- what you own minus what you owe -- is at least $80,000. As an example, suppose that you own a car. If you look in the Kelly Blue Book, you see that the particular make and model, in decent condition, would probably sell for about $10,000 today. You still owe $2,000 on the car. This means that you have $8,000 right there that you can add to your net worth. The same is true for your house. If you own a house that is worth $200,000 in today's market, and still owe about $150,000 on it, then the house adds $50,000 to your net worth. Your furniture and household goods are fully paid for, and when you got your homeowner's insurance, your insurance company figured that the value was about $20,000. The complete amount, since it is all yours and not financed, that goes to your net worth, is $20,000. If you have $20,000 in IRAs and fully vested pensions, that also adds to your net worth. All in all, it is very likely that you have a net worth of more than $80,000, especially if you own a home (even one with a substantial mortgage), rather than renting, and if you have two cars, one yours and one for your spouse (even if you are still paying them off). In general, you can ask an agency whether it has had success in getting a waiver on the net worth issue. The answer may well be yes. But do remember that if you adopt a child with special needs, you may well have to spend on medical treatment (including surgeries), adaptation of your home and vehicle if you adopt a child with mobility challenges, and special schools such as those for the hearing-impaired or visually impaired. You should always check on your insurance to make sure it will cover special needs and pre-existing conditions without a lot of exclusions, delays, copayments, etc., and figure out what you will do if your child winds up needing extensive rehabilitation or special schooling. Sharon