Financially, you're right, boarder. We have a 4 month old, my wife doesn't know if she wants to do full time work or not anymore, and I have a recent injury that keeps triggering and prevents me from doing much. I am headed to surgery in March.
I was really pushing over the last two years to close 2 months before the end of this lease term (end of August), but given what's sort of up in the air, I am leaning punt for this term and go maybe six months or another year. The rate is low for what we are getting, but what we are getting isn't quite enough anymore.
The cash is in Ally savings at 1.5% or whatever.