To replace your central cooling system

I want to update my central cooling system, but I don’t think I am going to.

I’m not completely sure I should, because if I update my central cooling system, I will have financial problems.

I can afford to update my central cooling system, but replacing it would seriously drain my savings. If I wait a few more years, I can afford to update my central cooling system without having to hurt my finances too badly. However, waiting to update the central cooling system might prove to be harder than it appears. First, my central cooling system is terrible. Sure, the central cooling system works, but the system is too small for my house. Normally, if this cooling system is too small for your house, it just runs more often than usual, causing the circulating cool air to not last as long. However, the HVAC worker that installed the heating and cooling system was smart. They put the control device in one of the smaller rooms in the home, where the central cooling system worked well. Now, the central cooling system turns off on schedule, but never is the home completely cool. Most of the home gets cooled, but not my kitchen. Isn’t that the most important part of the central cooling system? It frustrates me. What am I supposed to do? Never be comfortable?
furnace