Well honestly I ' m gonna take your dad ' s side on this . With the election having just happened , it ' s a good thing to put big financing plans on hold until the uncertainty settles down . Just cause you have a ton of overtime now doesn ' t mean that you ' ll have it in 6 months to a year . There are also new overtime rules being talked about in regards to who gets OT . You can be sure the republicans are doing everything to make sure they don ' t have to pay OT . Also how long have you hard your house ? If it hasn ' t been a year yet will heating and ac add costs , what about major repairs that may be in the future <| sep |> Solar still would be a good option . Get clean drinking water from sea water with minimal effort .