I'd suggest only having kids if your relationship is somewhat or close to being rock solid. Kids put a major strain on everything you do and if your relationship isn't good then all three of you will suffer.
It's great that both of you are financially secure before considering adoption. A LOT of families jump right into having kids and can barely support themselves. The financial strain hurts the whole family.
The answers to whether or not you want kids can always be found on the inside. I suggest taking some time to relax, breathe deeply. The decision isn't a logical one but one that comes from the heart. You need to ignore the thoughts that race through your head for the true answers to come through. If it's right, you will just know.
Good luck on your decision.
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