Capricorn

The money question that keeps coming back has already been answered by the spreadsheet, but spreadsheets cannot tell you whether you have earned the right to choose differently. You have run the numbers more than once, and the numbers are fine. The real question is whether you trust your own judgment enough to make the choice that looks careful to no one but you. The hardest part is believing you deserve to prioritize what lasts over what looks responsible to people who do not live in your household.