Decide How Much to Spend on a Life Event Without Regret

The question is not 'can I afford it'; it is 'will I regret not doing the better version'. This structures the decision: what will actually be remembered versus what matters only on the day, how to avoid anchoring to what others spent, whether the regret of spending or not spending is more likely for this type of event, and the honest budget check.

Help make a spending decision for a significant life event: {LIFE_EVENT} (e.g. a wedding, a significant birthday celebration, a home renovation, a holiday of a lifetime). The budget consideration is between {OPTION_A} and {OPTION_B}.

Structure the decision across:
1. The permanence test: what will be remembered versus what will matter on the day and forgotten after
2. The comparison trap: how to avoid anchoring to what other people spent on the same event
3. The regret asymmetry: whether the regret of spending is more or less likely than the regret of not spending for this type of event
4. The honest budget: what the person can actually afford without financial stress in the following six months
5. A recommendation with the framing that makes the decision easier to commit to

Under 300 words.