I’m going to be the outlier here and say that I think your response makes perfect sense. Nobody gets everything they want in life. Being an adult means recognizing limitations and making sacrifices that we are loath to make. Why can’t we just be happy with what we already have? Besides, the OP describes herself as “mean”, (tongue-in-cheek, I’m sure, but still) so hopefully she’ll handle your “mean” viewpoint with a thick skin that is becoming increasingly uncommon these days. Ultimately, it is the OP’s choice (and her partner’s, presumably) to amass more debt, if she’s willing to accept the consequences that come with that choice. Hopefully logic and reason will prevail, at least for her kid’s sake.