您好。根据您提供的信息，很难抽离出可供重大决定之用的关键资讯。这里有三点值得考量： 1。学区房有没有购买的必要。 2。创业设若失败的后备计划。 3。家庭开销之撙节与克俭。 凡此三者，需要彻底检讨，以决定计划之可行与否。the abovementioned people shall consider all possibilities before drawing conclusion, lest impulse or immatureness hastens them into dismay. 俗谓 err on the side of prudence. but however, wo juede wuren zai zheli de taolun, zhengru suyu suoyun: kan sanguo mo yanlei, ti guren danyou.