Book Review: Adopt Without Debt by Julie Gumm

“There is not one example in the Bible of God calling someone to do something and then using debt as a tool to accomplish it.” – Dave Ramsey

These words slammed Julie Gumm in 2007, just as she and her husband Mark embarked on a journey to adopt a sibling pair, aged six and eight from Ethiopia.

The gazelle-intensity learned in Financial Peace University provided Julie and Mark the practical foundation for living debt-free and financial freedom to serve others. With these tools and faith in God’s provision, Julie and Mark committed to adopt their children without borrowing a penny.

The first two questions asked by any prospective adoptive parent are “where do I start?” and “how much will it cost?”…the unfortunate truth is that with the market tanking and our national credit rating taking a hit, finances are a real challenge in our society. Our personal financial situation impacts our sense of freedom to follow God’s calling, but our God is HUGE and He will partner with us to provide when we commit to doing things His way.

Julie tells a story of just that. Gazelle intensity and hard work brought Julie and Mark out of a debt that, if left to grow, would have held them back from the future plans God had for them. Once their slavery to debt was cut free, God provided ministry opportunities to Julie and Mark that reduced their family income dramatically. Still, they heard his call to adopt and knew that He would provide.

But Julie doesn’t stop with just sharing her story. Much of her book is dedicated to teaching about finding grants and maximizing the money gained from selling your “stuff.” Further, Julie shares step-by-step guides to holding fundraisers and engaging your wider community of family and friends to help in creative ways.

With this engaging book, Julie has destroyed the excuse of “it costs too much to adopt.” God calls us to care for the widow and the orphan. While He’s unlikely to airdrop a pallet of cash in the back yard, He provides by sharing battle plans through people like Julie.

Adoption can be expensive, but it doesn’t have to lead to debt. Julie and Mark Gumm’s story is proof, and her easy-to-read, practical advice will help any family achieve their own commitment to a debt-free adoption.

To learn more about Julie and her adoption journey, visit her blog here.