[snowman]

Take your $13K, put it in an interest bearing account, and you will not live long enough to outlast the outgo in dollars to the house you have now. SO F the upgrades and live with what you have, its a lot cheaper.

Anyone want to challenge this??? Bet you can't do better, no matter how well insulated or ventilated the house is.

I just put $250K into upgrades in my CA house, mostly to shut up the wife. Super insulated, R30 or better, double Payne windows, argon filled, super low e.

After the first year, I was able to calculate, that my ggg grand kids may see a benefit, if the house is still here and gas and oil still go up exponentially.