Anyone building or remodeling a home these days would be crazy not to make it as energy efficient as possible. But what’s most energy efficient isn’t always what’s most cost efficient: The tough part is figuring out the point where the return of lower energy costs will offset the up-front expenditures on newer materials and techniques.

As we consider what kind of insulation to use in our home, we’re struggling to figure this out. Heating and cooling account for 50% to 70% of the energy used in a typical home, according to the U.S. Department of Energy. And much energy and money is wasted when air leaves or enters the house because of poor insulation.

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