It’s expensive to replace the HVAC system in our home

There comes a time when remodeling is just not fun anymore, and when I moved into our lake house I was gung ho about fixing it all up; then my spouse plus I redid all the flooring, painted the walls plus scrapped the chips ceilings… However, new lights, switch plates, outlets plus door handles were added. We purchased an up-to-date thermostat, remodeled the bathroom plus the home office. My spouse disconnected the home office wood stove, patched the wood ceiling plus got roofers to detach the stack on our house. Now more than one of us are slowing down… There is 1 bathroom left that needs to be remodeled, our windows are seasoned plus could truly be upgraded. We could add a cement driveway or even a pool to increase our apartment value plus comfort, and I don’t want to do any more projects though. I just want to sit back plus enjoy the fruits of our labor. My spouse plus I agree that if the two of us pay on the lake house it will be something that is entirely needed… Also, it will be an addition that the two of us personally don’t have to do. Our HVAC device is 18 years seasoned plus could die at any day. The roof is over 10 years seasoned as well. We could hire a HVAC business or roofer to do those tasks. We just sit back plus pay for it. I unquestionably don’t want to pay for an up-to-date heater, AC or a roof. Those aren’t exactly fun things to pay on. I suppose it is coming though. At least this way I have time to collect the funds to pay for it.