re: Percentage of net worth "invested" as equity in your primary residence?

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A "higher tier lifestyle", right now, while my kid(s) are babies and infants basically means a nicer house since I'm grounded for the next few years.

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I understand and I'm not completely dismissive of these concerns - however, as you are still young - when you buy a higher class house (just as with a higher class car) EVERYTHING is more expensive - it can wreak havoc with a budget because you've done all the planning and have the means to pay the higher monthly note - THEN the cumulative effect of the higher costs start to kick in.

But, you seem to be in pretty good shape on the budget side, so good luck with it.