Adoption is expensive—often costing families tens of thousands of dollars before a child even comes home. That’s why the federal adoption tax credit exists: to help offset those costs and make growing a family more affordable. Recently, there’s been growing buzz about whether embryo adoption could qualify for this same credit. Some families believe this “hidden IRS rule” could unlock thousands in tax savings. But the reality is more complicated—and understanding it could save you from costly filing mistakes.
