My wife and I were foster parents for many years and over those years we had 13 foster kids. We were long term care and had each child for 2 to 3 years because they were up fpr adoption.
We can tell you all about counselling as most of them needed it before they could be placed.
We have 2 dachshonds, Bacon a 7 year old male black and tan and Cocoa a long hair 3 year old brindle female that we just rehomed. Along with the birds, the cats and goats and others I think we paid for a number of new cars for the vet.
The wife has been in the hospital twice this year and with all her other medical issue I think we paid for a wing at the hospital.
I know where you are comming from.