Well, this weekend resulted in a delightful conversation (not a "discussion") about the adoption. After eating a few "waffles" I found that we are on the same page. Actually, I think we both gave a little in order to be on the same page. But isn't that what a relationship, marriage, and even parenting is about? Giving an inch to find a common ground.
As asked by P., I did some research and found a bandaid. We can get "convenience checks" from our credit card.. at the same APR as a credit card purchase.. in case the adoption moves quickly. It isn't the ideal solution to fund an adoption, but it is a temporary solution. And that is all we really need.
So, we agreed that after the holidays will submit our formal application for adoption and begin the homestudy process. It's an exciting new adventure.. that will result in the ultimate goal... being parents.