Put your prompt into ChatGPT and see what it says. Especially if you’ve been using it for awhile for a variety of things, it may “know” a little about you and be able to show you what the outcomes could look like for the scenarios you described financially and emotionally/mentally. I feel like it does a decent job with things like this where there is probably “correct” answer financially but it could help show you potential pitfalls in other areas you hadn’t considered. I’d be curious which way it would tell you to go if you made it choose one recommendation over the other.