<prompt> Human: Okay, heres the situation. were approaching 40. We have around 250K saved in various retirement funds, about 20K in checking to cover us for immediate needsshort term spending. Our monthly net 7,500 Our monthly expenses 6,700 this is everything - were pretty good budgeters None of this includes 401K, which comes out before the net. Now, this net will probably go up soon because Im about to get a decent raise prob around 500 net. My wife is back working and has a potential to add maybe 1,500 net. Thatll bring us to 9,500, and well have 2,800 in leeway per month rather than 800. But I dont like counting on that, plus things could always turn sour. Also note, 1,200 of this is for daycare, which wont last forever. But Im sure there will be summer camps and God knows what else in the future. Now, weve been kind of good, have a 15-year mortgage at 2.8. Its great, were stacking away mad equity. We also love our current house. However, there are a few things about our current house we wouldnt mind upgrading. When we moved in, we didnt have a baby girl. Our yard is kind of funky not level so we cant just let our wee girl outside to play in the yard. I imagine shell be able to in a few years when she understands that she shouldnt throw herself off a ledge and kill herself. But until then, no outside alone. Also, with mama working and doing most of the non-daycare childcare, daddy has taken on making dinners. And daddy likes to barbecue. But we live in a rainy-ass-in-the-winter state, so my dinner making options feel limited for 4-5 months per year. Also, when baby is a teenager, itd be nice to add a space for her to hang out in. At the moment we have a single family space. Also, mama and daddy both work at home, meaning that the huge amount of space we thought we had feels a lot smaller since weve both had remote jobs we both love our remote work, btw. Long story short, we saw a house with a flat yard, roof over a barbecue area, extra living space, extra bedroom, extra officeden area. Its a bloody beautiful house. Our daughter wandered about the yard fascinated, and mama and daddy were really happy but kind of sad to see that. However, it means going back to a 30 year mortgage, and paying MORE every month to boot. Being very conservative or liberal in estimating the extra closing costs and BS well have to do, it seems like well pay 381month more for the bigger house that has all the lovely stuff that we want. With our current equity, well probably have around 30 down. At our leewayplay-with money now of 800month, that gets cut in half to 400. But if things go the way we expect in the next few months, our leewayplay-with money goes from 2,800 to 2,400. I mean, weve made some pretty good decisions in our lives up until now financially. Id hate to start down a poor-decision path, but the house we saw was friggin amazing. Furthermore, we seem to buy and move house a decent amount. Part of me thinks, WTF are we doing here? We should stay put. But we moved every couple years when we rented too. You may say, well just rent now. But we look at rentals and they just dont stack up niceness-wise. I mean, were smart-ish financially, but not too smart. I used to be much more of a miser, but my wife once said to me If you put off this nice thing that you want for too long, then you lost all that time enjoying it. For whatever reason, this single statement is some serious Inception-like shit. It has stuck with me and I find myself wondering, why not enjoy a beautiful, new home now? Now, if youre still with me, do we buy this house? Or do we make the smarter financial decision?  <response>: Id buy the house. You are kind of asking, in a way, should I bet on us. From the way it sounds, the two of you sound like a very good bet. Keep in mind finances are all good and fine but at the end of the day are your financial decisions promoting your health and happiness? It sounds a lot to me like this next house would be a big bump in health and happiness, ergo worth it. 