What is the line between "it's just money" and "a penny saved is a penny earned"?
I was chatting with a friend this week about how we haven't sold our house as quickly as I'd like and we may need to devise a new strategy and reconsider our priorities, blah, blah, blah. Something she said in the conversation really ruffled my feathers and I need to figure out why. That's the point of this post. If that doesn't sound interesting to you, I won't be hurt if you choose to skip to the next blog in your reader now :)
In our conversation, I mentioned that another house in our neighborhood (nicer/larger than ours) was on the market for $20,000 less than our home. I was concerned that we may need to cut our price by $20,000 if we wanted to sell in this depressed market. She brushed off my comment with a shake of her head and replied, "It's just money."
Just money? Just money?! Yes! It's a whole pile of money! A powerful pile of money! A year's supply of money for our family of four. A down payment! My entire college education! An LDS mission for Alice AND Robert. Ugh. It hurts to imagine that much choice simply disappear.
And then I try to see it her way. I try to think of anything that could make me dismiss that enormous sum so casually. Yes, it's a pile of money, but what good does that money do us tied up in a house, chaining us to a less-than-adequate school and one toilet for our growing family? And then there's the unsettling thought that it's imaginary money...a perceived value of an item we bought 6 years ago that is no longer valued so high...maybe the $20,000 is already gone...we may never be able to sell this house again for what we bought it.
With her one comment, my friend suddenly forced me to put a price tag on my urgency to sell. I think that's why it's bothered me so much...how does one put a dollar sign on something like that? She obviously values her/my child's kindergarten experience more than her/my $20,000. I don't. Or do I? I don't know. Should I? I was uncomfortable with my friend's assessment for two reasons: 1) it exposed how nebulous my reasoning has always been for this move ("uh, it's just time") and 2) this is a friend I admire in several ways and I was a bit ashamed that I couldn't instantly dismiss the money for the educational future of my own child(ren) as she had done so decidedly and emphatically just then.
Thoughts on reason 1): If we were moving across the country next month for a new job, then I might be able to choke down a $20,000 hit compared to paying rent PLUS a mortgage indefinitely. But we're not moving far away, nor urgently. We're moving because we want to. That can't possibly be worth $20,000 right now. Or can it? If not $20,000, then how much? We DO have clear goals for this move, but the timing is quite flexible. We know we will want more space and good schools in the nearish future, but there's nothing pushing us that way except, um, my own deadline. If we move, great! If we don't move, there's still a whole bunch I really like about our current place, so I'm not terribly disappointed...yet.
Thoughts on reason 2): that's absurd, Suz! No need to compare myself with others, even to those friends that I admire. I move through life at a different wavelength from this friend. That's obvious in several ways, and that's part of the reason I appreciate our friendship. We don't always agree. The education of my children is important to me, absolutely, but is Kindergarten that critical? Not really. At Alice's age, I feel the home environment is still the most important factor in nurturing a love of learning. I shouldn't be scared of a school. If we do not sell in time, and Alice does go into Kindergarten here, then I can work with the school to make it a better place for every student, right? Not the end of the world.
Ugh. I've made it a matter of serious thought and prayer. At the moment, I feel that we're on the right track with our original plan. Come September, we will re-evaluate our options.
As ruffled as my feathers may get sometimes, I do eventually come to appreciate the insights of my friends. We have worked out several solutions to situations that I thought were impossible to define, much less make progress in. So please don't take this blog post as a criticism of my friend. She simply brought to my attention a few sub-issues that had been sub-bothering me for some time :) Now that I know they really do bother me, I can think about them more openly. Now you can ask me about them and we can chat about it. I'd love to hear your thoughts on placing a dollar value on intangibles...especially idealistic intangibles like "education."