Please expound on your experience Fareo. DH and I have talked about dog this when we retire. Liquidate everything as we have no children and by then, all parents should be gone so we'll have no ties to this area. Live on a houseboat on a BIG lake in Tennessee in warm months, dry dock it and travel the other six. Maybe rent a mobile home seasonally in a retirement community so we can pack up whenever we get the urge.