But it never floods down here. That's what you know about your basement, the one you took out a home equity loan to finish; the one you borrowed against your retirement savings to finish; the one you spent years thriftily scraping and saving to finish. Now it's done, $30,000+ later. Perhaps you've made it a game room for your children for after school, for the guys after the children's bedtime, complete with a billiards table, full bar (for you, not the kids), and flat screen television to catch all the games. Perhaps you're more family-oriented, and you've used the space to create a couple bedrooms, a bathroom, and a central sitting area. You've spared no expense installing the best cabinets, flooring, electronics, and furniture. You love your new finished basement.