Congrats on your decision and welcome to the Adoption Option!
Check out the sticky above for some advice on funding your adoption. There are loans and fundraisers for starters. We aren't rich either--far, far, far...from it but we have managed with our savings and a bit of help from family. Thankfully we got some back with our taxes too so that's cool.
As for Korea--also look into the wait times because I have a friend who sent her papers last year and is expecting referral in May. Maybe that's because she requested a girl not a boy, though? I thought I had heard the Korea wait time is increasing so be sure to look into that so you are not disappointed with a longer wait.
Best of luck and stick around to ask lots of question! We like questions on this forum!

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Happily married for 19 years & mommy to 3 beautiful daughters
~12.5 year old (born preemie @ 24 weeks), 5 year old & 3 year old (both born in China!)~
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