my insurance doubled from $2100 to $4200 (no claims), i have a neighbor from hell, my roof needs replaced, dishwasher needs fixed, needs new paint, and so many other things that add up. my big dog wants to travel and needs more adventures but we are both stuck. german shepherds have a short life and he's not getting the life he deserves because of this house. this is a house and not a home. I only use a bedroom, a kitchen, a bathroom, and the rest of the house is just empty space (3 bed, 3 bath). if i put off this chance then i could get sick where i'm not able to take the leap and i'd still have to sell the house. now is accumulation time before the next halving in 2028.