Wondering how to evaluate the strength of a business for acquiring or how to determine the value of starting own.

Most of you all know my story of my family losing our son back in March due to still birth. It's been a hard road and pill to swallow that we aren't going to try to have kids biologically anymore. My wife simply can't go through anymore tragedy (previously we had 3 miscarriages and a failed IVF before this tragic loss). So, now we're on the road to adopt to expand our family. As much as I would love to pay for this out of pocket, we don't have the funds to fund the cost of adoption. A couple of scenarios are playing in my head for this. Take on a HELOC for the potential costs to adopt. This could be anywhere between 30-60k. My issue is I don't know how much to actually take on. I know it's all about what we can budget and take on, but do we take more to potentially have it just in case we need, or play it safe and go more middle ground? I will say that my company gives us 40k for reimbursement for adoption costs. But we have to front-load the costs and then we get reimbursed. What I think I'm going to do is have my sister or another relative start a gofundme to tell our story, and see what we can get from that to help get us started and go from there. I feel funny doing a gofundme, but lots of people have told me that with all we have been through, with the cost of IVF, hospitals for the miscarriages, still birth, and funeral. It's ok to ask for help. That's another battle I've been dealing with is asking for help. This is probably a heavier topic for discussion, but I want to make sure we take on what we can manage. I think I'm answering my own question with see what we get from the gofundme, and then take out a HELOC with the guesstimate of expenses.

I recently started utilizing a high yield savings account and it’s been nice to see the growth over time. I realize that 4.0-4.5% is nice but it also doesn’t keep up with inflation and cost of living increases. How much would you allocate to a HYS account before allocating all new investments into other sources? Is there a goal number to have saved up and then you stop adding, or is it something that you should continue to add into over time even if you hit a set goal? We have primarily used the savings when we have made purchases like our first home.

Obviously I created the group to get back into the get stack. The powerlifting and volume associated with the GS. Bc when you have a small group pushing each other everyone wins. But that’s just in the gym. After last nights call it really got me thinking. Dalton what do you want right now? What is my goal right now. Am I trying to compete in a power lifting meet? I’m not trying to lose weight. I’ve stayed in a solid float since I won the contest and been pushing numbers on lifts. I knew @Mike Poglese was still in the pump 30s BUT now I understand the why behind it. It’s got me thinking should I do the same. What’s your thoughts G?

So most of you know, I took a new role at my current job which was a pay cut because I don’t get my built-in overtime working 40 hours a week. Come January we go back to shift where I will make my money back up. This will be roughly $800 a month thought about going to night shift to get shift differential which would be extra 15%. My main reason would be to pay off my Upstairs when we finished it, we used home equity line to finish it with the interest rate it’s roughly $1100 a month. My goal was to pay that off as fast as I could by paying $1000 extra on it. Then after I paid off my Upstairs, I would then put the extra thousand plus the thousand dollar payment on my actual house to pay that off. I kinda crunch numbers look like I could get everything paid off roughly around the age of 42. And that’s not being overly aggressive, but intentional. Do you think this is a good strategy always thought about being financial free and not having a house payment would be pretty fucking cool and then invest extra money into the stock market I do Work but like you said you can’t really touch it till you retire But after listening to last nights call, kinda thought about still doing that but then also investing a little bit on side to build that up early. I have a lot of thoughts so any help would be appreciated.