I’m 63 and want to spend $95,000 on a roof deck for my $500,000 home. Is that a good investment?
THE SO WHAT
Personal finance edge cases like this are exactly where generic advice engines break—risk tolerance, time horizon, and local market dynamics dominate the math. For anyone building robo-advisors or planning tools, treat high-ticket, late-stage lifestyle upgrades as a separate decision class that demands richer preference and scenario modeling.
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