Until the baby is born, the birth mother can't say or do or sign anything that commits her to the adoption. That only happens after the baby is born. So in thinking about how you are going to proceed with the birth mother, if she needs any kind of financial support, you have to recognize that anything that leaves your hands is gone forever. If the mother changes her mind or you as the adoptive parent changes your mind, the money is gone. For instance, in California, money given to a birth mother is considered a gift and unrecoverable. As a practical matter, these women are poor and you can't recover it. You have to make what you are providing it, when your providing it, and make sure that it's going to the purposes you want it to go for.