WH, please erase the paradigm that you have of yourself. You ARE a very capable adult. It sounds like after years of being with your h you started to believe that you needed him to make decisions. You don't. And while we are all here to make suggestions, you don't really need us either. You know what you want and what you can afford. I know you will make the very best decisions based on what you know right now. You may learn new information later and make a new decision. There's nothing wrong with that. It doesn't mean that you made a poor decision in the beginning. WH, please show yourself that you are capable because you are.