I will choose underfloor radiant heating for heating the house. While it could have been cheaper to have forced air, and use the ventilation system that would be in place for air conditioning, I have read research that underfloor radiant heating actually warms the room more effectively, and the user would actually reduce the heat that they need to feel warm. A reduction in heating means a lower electric bill. Keep in mind that if I had $1,000,000, I will only be receiving an income of less than $3,000. At least the house will be fully paid with no mortgage, and no loans on the house. This means no need to worry about such, and I can focus on just the utilities and taxes.