Jeff and Jennifer are excited to buy their first house.  Both are first time homebuyers and will use all the incentives available to them (RRSP) and remaining of saving in TFSA. They are buying a new build and agreed on the model, however, when it comes to all the finishes and options they do not agree. 

Jennifer believes that they "need to choose their preference now" and Jeff is more conservative saying that they can gradually change counter or put wainscoting in as they see fit and it.   Issue is that Jennifer wants $59,000 in upgrades, but that will impose a crunch on their cash flow.

Issue: How do you ask the client to determine their final purchase price for planning purposes?