I am a number cruncher—but I would tell anyone that quality of life issues are much more important than numbers.
You need to decide what your “quality of life” priorities are—and make decisions based on those.
I suggest we all, and I've always considered FReepers to among the educated and intelligent, re-align ourselves with our life and lives as we are meant to live them, as creations of God and that we have allowed the God consciousness to be removed from our everyday thought processes.
Too many older folks get to the point where they realize what they (we) need is a place to sleep, eat and relax. To provide a base for what we may need or want for entertainment.
We two (my wife and I) have an older mobile home, 2 acres with a garden and a 15 year old, very well maintained Honda Pilot . . . all paid for. We're not off the grid, but we are out of the rat race.
The mistake too many people make in their early years and/or marriage is a debt load they take forever to be rid of.
The old adage of giving a woman food and she'll make a meal, a house and she'll make a home . . . etc., should be the basis for buying or building that home . . . .that life.
Agreed.
To turn this into a spreadsheet, you have to assign a value to those “unpriced” things. Which, when you think about it, are pretty darn valuable.