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I think some of this considerations is also whether or not you have a mortgage. In our case we do and we keep thinking about how much more spendable income we would have if we didn't have the house payment, insurance, taxes, utilities, etc. And because property values and taxes and electricty and water are high in California, this amounts to a considerable sum. So like some of you, we are slowly downsizing and still debating what we will do. A year or two from now, things may change and we may take off or dig in. This is why retirement is so exciting!
Happy trails.......................
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