In reality if you purchase a completed house what you spend after you purchase your home is optional. Some people will tell you that you have to have a water filter/softener system, solar tubes, driveway treatments, etc. but you don't. We have done many many things since we moved here and if we had to do it over we would spend more money on our lot (view or privacy) and stretch our house. Those things you can't change later. I would sacrifice every upgrade the builder offers for those things if needed. We retired and moved here directly with no experience with living on our retirement income. In reality we could have afforded much more than we spent. I was given this advice before we had our design meeting but I didn't listen. Live and learn.
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