David writes from Pittsburgh, Pennsylvania: "I have a semi-finished attic. It is uninsulated with plaster on the ceiling. Is it worth it to insulate the hardwood floor between the 2nd floor and this attic space or should I spend the considerable amount of money to tear down the plaster and insulate the ceiling? I do not plan on using the attic and want to do this to save money on my heating bill."

Answer: If the attic is not going to be used or heated, it would be wise to just insulate between the floors (between the second story and the attic space).