{"id":337,"date":"2021-03-29T10:30:00","date_gmt":"2021-03-29T10:30:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/optimizing-for-happiness-why-i-rented-the-more-expensive-home\/"},"modified":"2025-08-29T16:33:40","modified_gmt":"2025-08-29T16:33:40","slug":"optimizing-for-happiness-why-i-rented-the-more-expensive-home","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/optimizing-for-happiness-why-i-rented-the-more-expensive-home\/","title":{"rendered":"Lifestyle Creep, Housing, and Scaling Up with Intention"},"content":{"rendered":"

\"\"\/<\/p>\n

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When I first moved to Dallas, I didn\u2019t rent an apartment. I lived with my friend Kylie\u2019s family.<\/p>\n

Long-time Dallas natives, they planted roots in one of the nicest, most coveted neighborhoods in Dallas in the mid-1980s \u2013 long before the neighborhood had the esteem (and price tag) it has today. <\/p>\n

Living in that house was awesome. We had a huge backyard (a rarity in Dallas) and were walking distance to some of the best shops and restaurants. It was laughably out of my price range. (To give you an idea of how<\/em> out of my price range, I think they paid more in property taxes every year than I made in total gross income.)<\/p>\n

When it was time to leave the (friend\u2019s family\u2019s) nest after a couple months, I watched friend after friend sign leases on $1,400\/mo., $1,500\/mo., and in one case, even $1,800\/mo. one-bedroom apartments in the hottest neighborhood. They had granite countertops! Doggy spas! Infinity pools!<\/p>\n

I was tempted, but somewhere deep down I knew I had no business spending that much. <\/p>\n

My adult renting journey has always taken on a distinctly strategic form: Rent an older apartment in a second-tier neighborhood and haggle for a special with the leasing office \u2013 and always<\/em> with a roommate.<\/p>\n

In 2017, that took the form of a 2BR apartment in Victory Park. We paid (read: split) $1,775 down the middle for an apartment with a fridge that was older than the one I had in my family\u2019s home when I was in middle school. Rowdy pool parties happened on Wednesday nights outside my window. There was no doorman or dog spa. <\/p>\n

I lived there for two years: The second year, our rent went up from $1,775 to $1,795 and I was horrified. \u201cThey can just raise your rent like that?!\u201d I scream-texted when I got the email. <\/p>\n

When it was time to move on, we rented a 2BR apartment on Henderson Avenue \u2013 and this one was an upgrade<\/em>. Finally, granite countertops and stainless steel appliances were mine \u2013 and thanks to a special and a changing rental market, we only split $1,741\/mo. both years we lived there, which means it was actually less expensive than my less-nice place.<\/p>\n

After a while, I began to identify as someone who had hacked housing<\/h4>\n

I would scoff at people who paid crazy four-figure sums for housing, since my rent bill had never surpassed $900 per month \u2013 and as my income rose and housing expenses stayed the same, I (na\u00efvely) figured it would go on that way indefinitely. <\/p>\n

I always felt, to some extent, like I was sacrificing a little<\/em> bit compared to friends who lived in buildings with WeWorks, Pelotons, and cold plunges inside them, but was pretty proud of my ability to approach housing frugally. <\/p>\n

When your roommate is your partner<\/h4>\n

One of my biggest \u201chacks\u201d to living cheaply was always having a roommate \u2013 in that way, I was paying for \u201chalf\u201d a kitchen but benefitting from the whole thing; splitting a living room but enjoying all of it. It just made sense.<\/p>\n

This changes when your \u201croommate\u201d becomes your spouse with whom you intend to combine finances \u2013 it\u2019s no longer about splitting a rent payment down the middle.<\/p>\n

For some reason that really messed with my perception of cheap housing \u2013 I found myself constantly reorienting prices to what my \u201chalf\u201d would be, knowing on some conscious level that there are no \u201chalves\u201d when you\u2019re talking about a joint checking account. But still, the idea of \u201cper person\u201d pricing persisted, and when it came time to begin looking for housing in Colorado for our move, I approached things differently.<\/p>\n

Resisting lifestyle creep or optimizing for happiness?<\/h4>\n

One of the main tenets of personal finance (and the FIRE movement in particular) is that you cannot succumb to the siren song of lifestyle creep<\/strong>. Lifestyle creep is the pernicious thing that happens when you begin to make more money and \u2013 subtly \u2013 your expenses start to creep up to meet your new income.<\/p>\n

It\u2019s the, \u201cI just got a raise and I\u2019m going to treat myself!\u201d mentality, but on steroids and on repeat indefinitely. <\/p>\n

You know what the flip side of, \u201cUgh, no more splitting things,\u201d is? <\/p>\n

It\u2019s, \u201cWoohoo! Two earners!\u201d <\/p>\n

It just so happened that adding someone else\u2019s income to my balance sheet coincided with me layering a pretty optimal amount of high-paying side hustles on top of one another, and as we sat down to fill out our Wealth Planner<\/a> together, we realized that \u2013 even after taxes and maxing out our respective 401(k)s \u2013 our take-home pay would (in the good months) still be a lot more than I was accustomed to earning. <\/p>\n

\u201cHoly shit,\u201d I said, leaning back on the couch, \u201cIs that right?\u201d<\/p>\n

We combed through the numbers again and realized it was. Excitedly, we clicked to the \u201cRecommendations\u201d tab on the Planner and saw that the housing budget was in the mid-$3,000 range. <\/p>\n

I typed Zillow dot com into the URL bar so quickly that my keyboard convulsed.<\/p>\n

The tricky thing about earning more money<\/h4>\n

Remember lifestyle creep? That ^ conversation is the quintessential example, and I knew it. After all, it\u2019s not like we had two<\/em> solid high-paying jobs. We essentially had four<\/em> moderately paying jobs (some certainly more moderate than others), and I was acutely aware that \u2013 statistically speaking \u2013 the likelihood of losing one (or more) wasn\u2019t low, especially since my earning strategy was more about diversification than focus.<\/p>\n

As the pandemic showed us, it\u2019s always great to have multiple sources of income \u2013 not because it guarantees you\u2019ll have more money, but because one source of income is dangerously close to none. <\/p>\n

When the perfect home entered the picture<\/h4>\n

For a few weeks, I trolled Zillow with the unbridled enthusiasm and commitment of a high school girl combing through profiles of sorority actives before rush week. I was determined to see things the moment they were listed, and I turned on every possible push notification the Zillow app offered. My phone was like Grand Central Station for 3BR rentals. <\/p>\n

We applied (and got turned down for) a cookie-cutter mega-mansion about 10 minutes away from town, and I was really disappointed. Having been burned once, I felt even more determined to pin down the perfect place \u2013 that\u2019s when I spotted the most charming (yet renovated!) home with a literal white picket fence. I opened the notification moments after it was posted. The owner must\u2019ve thought I sat at home constantly refreshing the results page (which wasn\u2019t far from accurate).<\/p>\n

Soon after, I spotted the fact it was about $500 more per month than we had originally estimated we\u2019d spend. <\/p>\n

But much like the aforementioned sorority hopeful, I threw caution to the wind and applied immediately. <\/p>\n

That night, I had a call with the owner.<\/p>\n

The hemming, hawing, and spreadsheeting that followed<\/h4>\n

After one phone call, we had been deemed worthy of renting this magnificent turn-of-the-century home. It felt like I had been knighted by the adult gods, and I floated around my 2BR apartment suddenly feeling cramped. I can\u2019t wait to have an upstairs! A wrap-around porch! A front yard! <\/em><\/p>\n

It wasn\u2019t until I got the lease and saw, \u201cMonthly rent: $3,000\u201d in writing next to a line where I was supposed to sign my name in a legally binding agreement that suddenly I felt horribly, nauseously underprepared. <\/p>\n

Laying in bed one night reflecting on how masterfully I had managed to make it through four years of living in a decently expensive city more or less unscathed by more than a few $9 vodka sodas, I had a panic-compulsion: You need to look at 2BR apartments there and see if you can find something more reasonable.<\/em><\/p>\n

The money blogger in my head wasn\u2019t happy with my Disneyland approach to this major decision. <\/p>\n

After all, I identify as a frugal person who’s capable of making the best decisions based on numbers and numbers alone. I rail against people who let emotion creep into their housing decisions! I write articles with \u201cHOT TAKES\u201d in the title, where I weaponize compound interest calculators and bully people into ignoring the flash and stainless steel in favor of financial freedom. <\/p>\n

I\u2019m not the type of person who openly consents to spending $3,000 per month in rent. <\/em><\/p>\n

The next day, I found a 3BR townhome 10 minutes north that was $2,400\/mo. (after the specials, mind you!). It was a sensible blank slate. No charm, no character, and no white picket fence, but it was an insulated box with two stories that had never been lived in before. It would save us $600 per month (or, as my dumb brain kept insisting, $300 per person). <\/p>\n

I went back and forth mercilessly, self-flagellating for pining after the home and convincing myself that I could be happy in the townhome with vague \u201cmiddle of nowhere\u201d vibes in the surrounding area. It all came down to identity, once again: \u201cI\u2019m not the type of person who needs a tree-lined street! Who cares that the closest businesses to the townhome are auto-repair shops and a 7\/11? It\u2019s FINE!\u201d <\/p>\n

And you know what? It probably would be.<\/p>\n

But this time, I didn\u2019t want to make the most numerically sensible decision \u2013 I wanted to optimize for happiness and experience, not the bottom line. <\/p>\n

How I fleshed out worst case scenarios<\/h4>\n

The main concern I had through it all was how the picture would change if we lost a stream of income. It was only after worrying about it for days in the abstract that I realized I could literally sit down with a spreadsheet and calculate<\/em> what the (realistic) worst case scenarios actually looked like. <\/p>\n

And to be fair in my assessment, I also calculated what the (realistic) best case scenarios were. <\/p>\n

I calculated what the house would cost as a percentage of our total take-home pay (if everything stayed the same) after taxes and 401(k) maxes: 22%.<\/p>\n

Then, I calculated what would happen if we lost our highest<\/em>-paying source of income and calculated the same post-tax, post-401(k) figure: 38%. <\/p>\n

\u201cHm,\u201d I grumbled, \u201c38% is pretty high.\u201d I had never allowed my housing to push 40% of my take-home pay before! Granted, that was post-tax income after 401(k) contributions, but still \u2013 I never wanted to cross the 30% threshold as a matter of principle. I didn’t want to be a weakling who fell victim to lifestyle creep. <\/p>\n

But then again, I also had to consider that that was a worst<\/em> case scenario calculation \u2013 could I live with that for several months if push came to shove? After all, it wasn\u2019t like we were buying the home \u2013  it was a 12-month commitment, and the likelihood that our move-in would coincide perfectly with us losing our highest-paying source of income wasn\u2019t zero, but it also wasn\u2019t high. <\/p>\n

How my heart won out over my head<\/h4>\n

Moving to a new place where you know nobody is scary, especially when you\u2019re going to work from home and don\u2019t have the benefit of meeting new people in a new workplace. <\/p>\n

When I finally went to Colorado to look at the two options in person, I drove down the tree-lined street and immediately saw how it would be the perfect landing place for our little family. Our German Shepherd needs constant exercise, and there was a massive park with a view of the Rockies right down the street. The yard itself would provide a convenient reprieve. At the townhome, by comparison, I realized we\u2019d have to cross a busy main road to get to a green space \u2013 and the idea of doing that four to six times per day felt suddenly untenable. <\/p>\n

I began to understand why people make emotional decisions about housing \u2013 because where you live (and how your home and the surrounding area supports your life) is <\/em>emotional. Optimizing for happiness and a feeling of \u201chome\u201d in a new city where the risk of feeling isolated is high suddenly felt more important to me than the $7,200 we would save over the course of the year by choosing the cheaper option. <\/p>\n

Sitting down with a compound interest calculator, I punched in \u201c$7,200\u201d as an initial deposit with an 8% rate of return over 10 years. How much is this going to delay my eventual retirement? <\/em>I wondered. Am I still going to be able to retire early if we make this decision?<\/em><\/p>\n

Do you know how much $7,200 turned into over 10 years (the retirement timeline I have left, if all goes according to plan)? <\/p>\n

A little under $16,000. <\/p>\n

And at the risk of sounding like an asshole, my response was, \u201cThat\u2019s it?\u201d<\/p>\n

You\u2019re telling me I\u2019m going to have just $16,000 less in 10 years from now because of this choice? <\/p>\n

Selling my car to even the playing field<\/h4>\n

The last piece of this puzzle worth mentioning was that choosing to live somewhere so close to town and to parks meant I could confidently sell my car. Somehow by the grace of God, I\u2019ll have about $3,000 in \u201cprofit\u201d after paying back the bank, since Carvana offered $17,000 and I only owe $14,000. <\/p>\n

Monthly, my car cost me: <\/p>\n

$316 for the payment<\/p>\n

$112 for insurance<\/p>\n

$30 for gas<\/p>\n

$25 budgeted for maintenace<\/p>\n

= $483<\/p>\n

Removing the car from the equation bought back nearly $500 of breathing room in the budget, which made me feel a little bit better about opting for a home that was roughly $500 more than we initially set out to spend. Of course, we could\u2019ve gotten a townhome AND ditched the car, but the net regain of about $500\/mo. in vehicle expenses still felt like a weird permission to make an objectively less financially optimal choice. #balance<\/p>\n

You can only judge decisions based on the information you have at the time<\/h4>\n

Someday I might look back on this and feel intense regret.<\/p>\n

But for now, all I feel is excitement (and only a slight twinge of remaining nausea over the cost, but that\u2019s natural, as I am MONEY with Katie, not WHITE PICKET FENCE with Katie, after all). <\/p>\n

Lifestyle creep is a trap because it means you now have<\/em> to work to support your expensive obligations and lifestyle \u2013 you no longer have the choice. When you live extremely cheaply and have a high save rate, you\u2019re free. <\/p>\n

But the flip side to always optimizing for money is that sometimes it means you\u2019re not<\/em> optimizing for happiness. <\/p>\n

If the ROI on your money is going to be high (that is, your life will be substantially, markedly improved in a consistent, ongoing way), it\u2019s not a waste. Not all investments have to be in the stock market \u2013 some investments are in your own mental health. And when it came to moving to a new town and working from inside the same new, foreign place every day, I wanted to give my mental health the best shot at success. <\/p>\n

I wanted to optimize for happiness. <\/p>\n<\/div>\n

\n
\n

Note from Future 2025 Katie:<\/strong> It\u2019s so fun to read this 2021 piece back now, because that house was absolutely<\/em> the right decision, and it worked out better than I could\u2019ve dreamt. It\u2019s my favorite place I\u2019ve ever lived and the memories we made there\u2014especially after losing Georgia, our German Shepherd, in 2024\u2014will always be invaluable to me. <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

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