Adoption Non-news

Since I was 16 years old and read a magazine article about a family that adopted I have been drawn to adoption. Before DH and I were married we discussed adoption and the place it would have in the creation of our family. Now I find myself 18 years after my initial decision to adopt and I am feeling incredible internal urgings to begin the adoption process NOW. About eight years ago DH and I started the process and had our passports, I-171H, homestudy, and fingerprinting finished. All we had to do was choose our country (Guatemala) and agency (never got that far). Before we received our homestudy paperwork in the mail I got a positive result on a pregnancy test. This was our second child. I still wonder how our lives would have been different if we had continued to pursue that adoption even after discovering I was pregnant. It would have been difficult to adjust to two new children in our house in such a short amount of time (estimate to adoption completion of an infant from Guatemala at the time was 12-18 months). I don't regret not continuing with that adoption since we hadn't reached the point of being matched with a child. I don't think I could've stopped the process, though, if we had already had a match.
Now that our third child is five years old, I realllly want to begin the process to adopt our fourth (and final?) child. Guatemala is currently out of the question, but there are several countries DH and I can agree on, particularly the Philippines and India. DH is onboard to begin again - after we save $10,000 toward the adoption. International adoption appears to have become exponentially more expensive since the first time we started the process. So the problem becomes where to find the $10000 needed plus the $5000 we also need to replace the roof. I know, know, know that when the time comes for us to begin the process God will provide the means. We will not borrow the money, so my current thought is that I (as the keeper of the household books and spender of most of the household money) should start saving as much as I can find out of our household budget. Since I love having financial goals that are attainable within a reasonably short time frame, I am fired up to start working on this one. (Unlike paying off the house which won't happen for years...). It also makes me feel like I'm working toward welcoming our second son into our home. Is this wrong? In leaving the timing for our adoption up to God should I back off and just assume the money will magically appear? I just can't see doing that. For one thing I feel that God expects me to be faithful to the direction He is calling me by being a good steward of the financial resources He has entrusted to us. For another, if He wants us to adopt I don't think He's just going to drop a child to adopt on our doorstep (although He certainly could if He chose to). I believe He expects us to invest some effort in following the plan He has directed us to. And that includes setting aside a portion of our income to go toward the expenses. Does that mean I know exactly how things will turn out? Does that mean He couldn't choose to provide the money in a miraculous way next week or next month? Of course not! But it is my belief that He also expects me to be a good steward of what He has already entrusted to us and that we shouldn't do irresponsible things with our money then say, "If God wants us to adopt He will have to provide the money". Maybe He has already provided the money and we just can't see it because we've chosen to spend it on other things...
This has been a rambling post, but it helps me when I can put my thoughts down on cyberpaper so I can organize and clarify them. And I know it will help years from now after we have completed this adoption to see that God was faithful to provide. I just don't know yet how He will choose to do that!