Buying a $600K Framingham home + paying $40K/year private school tuition saves $437K over 18 years vs. buying $1.65M Wellesley home for public schools—after accounting for property appreciation, taxes, mortgage costs, and opportunity costs on the price differential.
Families assuming expensive school districts = best financial decision; parents willing to challenge conventional wisdom with data; buyers prioritizing outcomes over neighborhood status.
Calculate your own scenario: Take your target town's median price, subtract cheaper alternative, invest the difference at conservative 6-7% return. Compare 18-year total cost including taxes, opportunity costs, and appreciation. Most families won't do this math because they fear the answer.
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