Did you look into it though? Anything you can do to weatherproof your home is far cheaper than paying forever to heat or cool it.

I’m in a similar situation but less so. My house is only half the age but well built so not too leaky. My state strongly encourages efficiency measures and they’re not a bad idea. However since their criteria is “recommended” insulation, I’m “ok”. Basically since I have two layers of fiberglass in my attic, I’ve “done all I could”. However I did have to have an insulating contractor out to say “yep, can’t do any more”

Now my only problem was that I have functioning (but old) heating and a/c so wanted to save up a few years, but now I need to decide whether I have to try asap to get the incentive while it lasts