u/nosaltpants823

New house, always had ring, never had an issue, sensors never malfunction and always trip when I do routine tests, calls for professional monitoring come in quickly.

Looking into surety and alarm.com. Def more pricey up front. I do need new sensors regardless because during the sale of our house, the buyers pushed for wanting ring system left behind for them.

I keep reading ring sensors can be jammed easier whereas powerG has better encryption. Not sure if marketing or what. Is it really better to pay more for powerG with surety?

Relocated due to work. Biggest regret previously was buying in an area that wasn’t built up enough for us and was quite depressing at times. We prefer to be closer to things, in more of the new built up areas. Especially relocating to an area without friends and family, it’s important with a young child to be around places to make friends.

New build in a very attractive neighborhood but even more so, location: ~870-900k all in final price. ~4500 sq/ft

30 year ballpark high end planning conservative for interest rate 7.2%, high end estimate for utilities, insurance, etc is around 5900/month after a 210k downpayment.

After all of our current bills and spending which will remain, and conservative planning bills and 2k of flex spending (groceries, restaurant, fun, etc) and we are very frugal invest first people, we’d have 2300-2500 left over.

*this is only factoring in standard paychecks post deductions (300k salary). Taking into account our bonuses, stock, extra 3rd paycheck twice a year, dcfsa payback, etc. it totals around an extra 106k. Being conservative, 100% of all post tax would be 71k, so let’s plan on only getting 50% of that, 35k in flex, savings, spending vacation bonus money so to say.

For our age, we are well off on tax advantaged savings, mid 30s (~600k saved).

My mind is conflicting but it’s the location and neighborhood that really are pushing this decision. The area we really like, we just can’t afford, homes are 1.5 mil “ish.” This is the next door neighbor 10
Mins away getting built up fast, spot.

Honest thoughts? Remember factoring this house and payment strictly on 4 paychecks a month, nothing more.