Very few programs make this requirement. Every American is rich in the eyes of some countries. We don't have all the money that it will take to complete an international adoption. There are many ways of financing your adoption. There are further suggestions later, but I am sure that you can think of some ways also.
Some countries have more children available of one sex than another.
Sometimes when you already have a child of one sex, you will be allowed to request a child of the opposite sex. Knowing this now can help you to choose a country to work with, and give you questions to ask of an agency you are thinking of working with. It depends on which country you choose to work with, which agency you choose, how fast you personally gather your documents together. How dedicated you are to getting this adoption done in a timely matter. Yes, many things will be beyond your control.