The delay versus not-delay argument is a big one! I tend to push both myself (and others) towards delaying mainly because I think HGTV and other content out there really makes it seem like your life isn’t complete unless you renovate everything. In reality, it’s perfectly fine to put off a big renovation for years and focus on other financial goals. We could have easily poured $100k+ into our house as soon as we closed on it, but it didn’t make sense. We still have at least $50k in renovations, perhaps more, to do, but every year I delay them I think about those $ going into index funds instead and building over time!