I just didn't want to jump in and regret my decision. Not so much as to what breed I get but more in the way is there room for the extra expense of having yet another animal. Vet bills can kill ya - been there and done that for many years.
I tend to be sorta impulsive - I see a cute puppy and gotta have it "now". I am trying to not do that anymore - showing some restraint. This will be a 16+ year commitment so I want to know that I am doing the right thing.
I also have a cat - not sure how she would welcome the puppy - sure don't want her to start peeing in the house like so many cats do when their environment is disturbed.
I did a pros/cons list to see for myself - the cons greatly outweighed the pros at this point in my life with financial reasons being number one - I mean, I have a good job but I also have two grown boys that tend to depend way too much on me for financial help - so that puts a strain on me financially.
I think I have pretty much talked myself out of getting the puppy right now. I will definitely have another puppy "someday" but I don't think right now is the best time.
Thanks to all of you for chiming in with valid points and opinions.