When we go to create a new home , we always start with the biggest wish list. That is to say, we put down what we would "like" to have. It doesn't mean we can afford it, nor would we even perhaps end up wanting it, even if we could. For instance, it's a two story, and we want an elevator. We are both in our thirties, fit and can actually use the exercise. But...we have always wanted an elevator. So you look into it and find out its 20k to get one. You can afford the 20k, But , having the elevator means , lets say. That you have to give up one of the garages due to lot size. What I am suggesting is, start with the biggest list and you will morph it to where you want or need to be. Now if you have 20 acres, and no building department rules and endless capitol, then you can do anything. But... learn to pick your battles.