I ended up pulling out today. In the end my gut just won out. Yeah we can afford it, yeah I WANT it, but deep down I know that a year from now I would be kicking myself for deviating from a plan I’ve had for 4 years. All along I’ve thought this would be a double dip fall and my plan was to get in midway to bottom of the second dip. Right now I think we are just starting the second dip so I need to stick to my guns. Thanks for the various feedback.