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Kurt, Ann,
Great advice...I think you may have hit the bottom line for me....look at our finances and get as much as we can afford and think of it as an investment....
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Well, I'm not sure I'd go that far, unless you're talking about it being an investment in bringing pleasure to your life, for years to come.
I'm spending a lot of time on this issue at present, working out just how soon I can afford to retire in comfort. My standards for comfort are probably quite a bit lower than many others, but that 5,500 sq. ft. house on a quarter acre with the hot tub and pool won't make them feel better, if they're dead.
I hope you make this purchase and end up with nothing but a feeling of satisfaction.
baglo