Should you buy in a better school district or save money to retire earlier?

If we buy in an average school district rather than a top one, we’d save 35% for a comparable house. That means retiring a few years earlier. Is it worth compromising on your children‘s education for more freedom and financial security? We’re also worried that going to school in an average school district will expose them to more bad students and families who don’t care as much about their education and drag them down.

What would you do?

Top means 95th percentile or higher, average means 50-85th percentile on https://www.usnews.com/education/best-high-schools/national-rankings