Bill and Amy were married for 5 years when they decided to start a family. In 2013 they tried with no success. In 2014, they sought medical help, and they incurred $20,000 in medical bills for diagnostic testing and infertility. In 2015 they had $65,000 in medical bills through their infertility doctor, and $5,000 in medical bills from their OBGYN for management of Jennys pregnancy. In 2016 they had $15,000 in medical and hospital bills for the birth of their child, Charles. Later in 2016, wanting to give Charles a sibling, they spent $3,000 on an adoption attorney. They also spent $5,000 on installing a fence around their pool and another $5,000 on home repairs so that they could qualify as an adoptive home. In 2017 they adopted two siblings, Darryl and Ellen, from foster care in their state. They had no other adoption expenses, as the expenses were paid by the state. The siblings qualified for an adoption subsidy, as siblings were harder to place together in their location and this was a special situation. Wanting to grow their family further, in 2018 Bill and Amy contacted an international adoption agency that facilitated adoptions from China. In 2018, Bill and Amy paid $40,000 in travel, fees, and legal expenses relating to the adoption of their daughter, Farrah. Farrah has several medical conditions that, while manageable, meant that she was considered to have high needs. The adoption was not complete until 2019, and they had to pay an additional $10,000 in travel costs and legal expenses to bring their daughter home.