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[quote=Anonymous]OP. I think you are an ass for trying to get a bunch of anonymous people to try to explain this to your husband. He isn't comfortable doing it so just accept it. $130K for a family of 4 isn't a lot in this area. What if he loses his job or just wants to explore other opportunities? Do you think the renovations are really worth the loss of flexibility and peace of mind? If you do, then maybe you should get a job until you save up for the renovation. You could also sell the house and buy something that is cheaper and complete. Sell it for $900K, buy a nice $600K house (which is more in line with your income level) and save the rest for retirement/college. Going into debt when you don't have to is idiotic and if you can't figure that out, then you need to take some of the financial responsibility and learn its not something that you just do because you feel like it.[/quote]
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