I’m wrestling with a financial and faith-based decision and would really value perspectives from both sides.

For context: I’ve been investing consistently for about 10 years in a Roth IRA and 4 years in a 401k (with employer match), averaging around a 19.5% return. Both accounts are now around $80k. I also have an HSA, some annuities, and a brokerage account. My family (5 of us) bought a home in the U.S. 2 years ago, which we now rent out while we travel.

We also have residency in Brazil , which is part of why this decision is on the table.

We’re considering buying a new construction home in Florianópolis.…