Heifers are a pain in the be nice. If you buy they are usually high, if you retain its 3 years from birth till you get any income. you have to watch them closer for calving issues, never know what kind of a mom they are going to be. then get them to maintain condition and breed back.
Out of curisoity I'd thought about starting a thread asking what % of peoples retained heifers make the cut the next year? How many are culled at 3years, 4,5,6,and so on. If she doesn't make the cut there's a good chance she's worth less at three then she was at nine months.
On the flip side you can spend a fortune and not be happy with them either.
Right now I'm buying pairs and keeping heifers out of my best cows. So far all of my best cows have had heifers this year so who knows I may keep several, but it'll be against my better judgement.