u/caroline_elly

29F 32M NYC area with 2nd kid on the way.

- 550k HHI all cash

- 1.3mil liquid NW plus 401k and 529

Deciding between buying a home all cash in a 5/10 school district or leveraging >50% to get into a 9+ district.

I personally think we both have good enough work life balance to help kids with academics at home, and that's a bigger driver of success than school rating.

Husband thinks kids are more like to fall through the cracks in mediocre schools and teachers will teach to the average kid in the classroom.

Has anyone else faced this conundrum?