def respect the decision. At the end of the day, it’s a lot of $$, a personal decision, and everyone’s circumstances are different. $20K invested in the market could potentially double in 5-7 years so there is def opportunity cost going for the 4s.Well all, my gut instinct was telling me I wasn't ready to pull the trigger yet on the 4s, so I'm going to keep looking. Still undecided between base and 4s. I keep thinking that I'd like to put that extra $20k from a 4s to something else, like a vacation with spouse. Turns out, I wasn't sleeping well at night thinking about the higher cost of the 4s, which should be the sign I wasn't ready to say "yes" to it.