Mostly for the cost being lower, actually. With work-from-home, being semi-close to the office stopped having value, and the real estate value around the old place has been rising at a meteoric pace. Might be able to pay this place off with the sales proceeds from the old place after only 3.5 years there if I do well on the sale. The music room and the rest of the house being bigger is nice, but I lose my garage in the process. The nicest part is that I have pretty much caught up with life, and should be able to afford to retire before I am dead....