We decided to pass on the bigger home. Turns out, Hapa Papa doesn’t want to work until he dies. Slacker.
Although part of me is disappointed and had already envisioned our family in the bigger house, (especially my books in that glorious built in bookshelf!!), mostly, I feel relief. As awesome as the house sounded (and it was so awesome!!), in the end, it boiled down to what Hapa Papa wanted for our lives. He wanted flexibility to be with our family and to have the freedom of paying off the mortgage right around the time Cookie Monster heads to college. (Paying for 3-4 kids in college would also be difficult if we had a huge mortgage to consider as well.) He wanted to replicate what his father had: possibly fifteen or so years of his own time during retirement before passing. Plus, he didn’t want me to feel constrained with our budget.
I want what makes Hapa Papa happy.
Also, I definitely didn’t want to hear Hapa Papa blame me for this financial burden any time something cropped up. And he would blame me! Well, not necessarily blame, but he’d definitely mention it. A lot.
To this day, he still gives me crap about moving to NorCal without discussing it with him. He rightly alleges that if he hadn’t have followed me up north, we would’ve broken up. He’s totally right. But he did move up north so it all worked out in the end. (Never mind the fact that I didn’t take into account how he felt or thought about anything at all and just up and moved.)
And to be fair, I do agree with Hapa Papa. I just like to pin all the responsibility on him because now, I can get a bunch of stuff done to my current house due to misplaced guilt on Hapa Papa’s part. (He told me it was an excellent bluff strategy on my part. After considering an expensive house, all my remodeling requests sound really cheap.)
But as much as I joke about it, I am satisfied with staying put. After all, Hapa Papa is right. We would be trading our easy lifestyle for one that was considerably harder for what? A larger house? What is the point of working so hard (and in order to pay for the bigger house, Hapa Papa would have most likely had to get an even higher paying position which would require more in terms of time and effort) and never seeing the kids (or me)? Why would we choose to forgo swimming, martial arts, art, dance, and music classes for the kids just for more space?
Of course, this doesn’t preclude us moving to a bigger house in the future if our financial and family circumstances change. But for now, even though we could afford the house, ultimately, the trade-off wasn’t worth it for our family. Also, I think I get new hardwood floors and a custom built-in out of this experience (shhh… don’t tell Hapa Papa). So in the end, I still come out on top.
Many thanks goes out to our fantastic realtors, Brady and Erica Hobby of Hobby and Associates Real Estate Services. Their incredible knowledge, competence, and patience made this whirlwind palatable. I am only sorry that this is the second time I’ve engaged their service with no payoff for them. (The perils of me being impulsive and Hapa Papa being the sensible one of the family.)
And thanks to all of you, dear readers. Your comments and messages helped more than you know.
The woman and wife inside me wishes you’d been able to get the bigger house…I love new and new deco and space…but the Financial Coach…the ME inside of me is SO EXCITED that you have seen all the angles and weighed the financial COSTS against the cost to your family! Get thise new floors and the custom-built and bank the rest to build more memories with thosedl dance and swimming and cheerleading and football and soccer and…and…and…that’s bound to come in the future!! I am so happy for you!!
Thanks, FWC. Yes, my inner Financial Advisor applauds my decision. Lol. My inner coveter is sad. Ah well. Ultimately, peace of mind outweighs the trappings of an outward sign of “success.”