What were Eddie and marguerite saving money for in The Five People You Meet in Heaven?

Marguerite is Eddie's wife. She wants to be a mother and longs to have children, but she is infertile. Therefore, the couple hopes to adopt a child instead. This costs money, so Eddie and Marguerite try to save up money for the adoption.
In chapter 29, we learn that Eddie goes to the racetrack with Noel on his birthday. Eddie bets on horses and keeps winning. He hopes that betting is a quick way to double his money. However, it is risky because he could also lose it all. He calls Marguerite and tells her about all the money he is winning, but she wants him to be more responsible for the sake of their future child. After Eddie hangs up, Marguerite feels bad for yelling and drives to the racetrack to apologize and bring him home. On the road, she gets into a car accident and is hospitalized. The medical expenses deplete the money they had been saving for the adoption.