CFB51 College Football Fan Community
The Power Four => Big Ten => Topic started by: MaximumSam on November 25, 2025, 09:45:51 PM
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If you could buy a place to retire, up to 1 million dollars, where would you buy and why? And not in the hypothetical sense. The cheaper the better.
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I've been pondering that question
I don't have the answer yet
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Austin Texas
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Cedar Park, TX
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Y'all feel free. Austin was a great place to grow up, and Cedar Park has been a great place to raise kids.
I ain't gonna retire in either one of them.
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We made that decision in 2018, and we both are very happy with it. It’s not for everyone of course.
Retire where you will walk a lot.
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Likely in the west
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Key West
you can walk wherever you want to go
half the island is like anywhere else, the other half is like nowhere else
warm, humid, but less humid than the mainland
you gotta be okay with gays, crowing roosters, and 6-toed cats
It is closer to Havana than it is to Miami.
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I think I should visit there
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Key West has a really small species of deer.
(https://floridaphoenitwitter.com/wp-content/uploads/2019/08/Key-deer-by-tripadvisor.jpg)
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Key West has a really small species of deer.
(https://floridaphoenitwitter.com/wp-content/uploads/2019/08/Key-deer-by-tripadvisor.jpg)
Key West is 100% urban. The Key Deer is up where the US1 curves, probably like Sugarloaf Key or somewhere around there. It's on the way to KW, not in KW.
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(https://julespieri.com/wp-content/uploads/2010/08/index.jpg)
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I'm there already. But today I'm in Barrington, IL. F'ing cold here.
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I'm there already. But today I'm in Barrington, IL. F'ing cold here.
You're supposed to winter in the south and summer in the north.
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Great question. Ideally, gulf coast of Florida in the winters and Cleveland in the summer. Absolutely hate the cold weather in Cleveland in the winter but I love it in the summer and I love Midwest people. Not sure gulf of Florida would remain in that budget considering insurance and house cost in Florida the last few years.
When I lived and traveled Southern Asia, I met an older guy that retired to Thailand in his 60’s with 65k. Rented a room in the hotel per month and his budget there was crazy low. He was reading outside on the patio there every morning so by day 4 I had to talk to him. Seemed really at peace with life.
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You're supposed to winter in the south and summer in the north.
Grandkids.
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Set up now for it ( was going to retire this year but my employer made me an offer I can’t refuse to stay through next year)
Florida home October- Mid May. Cabin on a lake in northern Michigan the rest of the year.
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I liked eastern California, places like the Angels Camp or Sonora.
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Y'all feel free. Austin was a great place to grow up, and Cedar Park has been a great place to raise kids.
I ain't gonna retire in either one of them.
ISWYDT
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Great question. Ideally, gulf coast of Florida in the winters and Cleveland in the summer. Absolutely hate the cold weather in Cleveland in the winter but I love it in the summer and I love Midwest people. Not sure gulf of Florida would remain in that budget considering insurance and house cost in Florida the last few years.
When I lived and traveled Southern Asia, I met an older guy that retired to Thailand in his 60’s with 65k. Rented a room in the hotel per month and his budget there was crazy low. He was reading outside on the patio there every morning so by day 4 I had to talk to him. Seemed really at peace with life.
Good plan. Having spent my first 12 years in Cleveland and being in Florida now, I can attest to your thinking.
Not sure how close you are to action, but now is actually a good time to buy on the gulf coast. House prices have come down and it is definitely a Byers market. Insurance is only crazy bad if you’re right on or very, very near the water
I live on the opposite coast, which I think is also beautiful and has better beaches. But the golf side is friendlier and people are kinder because it’s the I 75/4 and most of the folks over there are from the Midwest. I live on the east side which is the I 95/4 and most of the folks over here are from the north east. They are definitely not as friendly and welcoming, but I just work through it lol
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Drivers in Florida really suck, and it gets even worse from Novemberish to Mayish.
Can't see. Can't hear. Can't walk. Let's DRIVE!!
I agree with HB's take on the different coasts, although there are some very nice beaches on the Gulf too - as in some of the highest rated ones, like Siesta, Lido, Clearwater, etc.
I'm not into beaches, so... And the traffic is WAY worse on the East Coast.
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Drivers in Florida really suck, and it gets even worse from Novemberish to Mayish.
Can't see. Can't hear. Can't walk. Let's DRIVE!!
I agree with HB's take on the different coasts, although there are some very nice beaches on the Gulf too - as in some of the highest rated ones, like Siesta, Lido, Clearwater, etc.
I'm not into beaches, so... And the traffic is WAY worse on the East Coast.
prettiest beaches in Florida and the entire US are in the panhandle- they just have the whitest sand and clearest waters. beaches with the prettiest women however are from Deerfield Beach down to Miami Beach, just the total amount and per capita of 8's and up has to be highest in US. it's ridiculous.
Florida is like 4 or 5 different states in one and Miami might as well be a foreign country. And the traffic has gotten unbearable on the east coast. I-95 corridor from Ft Lauderdale to Miami is the most dangerous stretch of road in the country. You see horrific soul crushing accidents daily. The drivers here are truly and wholly without question mentally fucking retarded. Which is why I am always splitting lanes driving like a demon to get the fuck away from all the fucking retards. Can't get into an accident if there are no retards around to crash into.
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Set up now for it ( was going to retire this year but my employer made me an offer I can’t refuse to stay through next year)
Florida home October- Mid May. Cabin on a lake in northern Michigan the rest of the year.
does this work under the budget?
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prettiest beaches in Florida and the entire US are in the panhandle- they just have the whitest sand and clearest waters. beaches with the prettiest women however are from Deerfield Beach down to Miami Beach, just the total amount and per capita of 8's and up has to be highest in US. it's ridiculous.
Florida is like 4 or 5 different states in one and Miami might as well be a foreign country. And the traffic has gotten unbearable on the east coast. I-95 corridor from Ft Lauderdale to Miami is the most dangerous stretch of road in the country. You see horrific soul crushing accidents daily. The drivers here are truly and wholly without question mentally fucking retarded. Which is why I am always splitting lanes driving like a demon to get the fuck away from all the fucking retards. Can't get into an accident if there are no retards around to crash into.
My sister lived in Pensacola for about a decade, beaches are so beautiful there. We'd visit and go up and down the coast to Fort Walton Beach, Panama City Beach, Destin. But I liked the vibe in Pensacola the best.
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2 places, one in the phoenix area and the other near the ocean (can't be California, since a million dollar wouldn't get you near the ocean).
Which is why we are renting a place in Maine walking distance to the ocean for a couple of months next year to see if that is what we really want.
BTW can't do Florida, humidity is way too high.
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You could do the Keys for lower humidity like Fro said, but man, talk about being isolated. I couldn't do it as a residence.
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does this work under the budget?
Yes. Tight for sure, but the math works.
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The wealthiest friend I had growing up, his family had a third home in Key West that they hardly ever used. Dude grew up to be quite the fuggup, and every time he moved home, they'd just send his azz down there. Last I heard of him, he was mistaken for a homeless man while killing time at a Columbus public library.
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Good chance I'll simply stay here in the great white north when I retire
been in this "starter" home for 36 years, it's suitable for the elderly. (All on one level)
7 miles from where I grew up. Not much family left, but plenty of friends.
I can just "visit" places down south from Mid-December to Mid-March. A week or two at a time.
It's between my daughters - 4 1/2 hours north to Minneapolis and 2 1/2 hours to Lincoln. (That could change if/when they move)
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2 places, one in the phoenix area and the other near the ocean (can't be California, since a million dollar wouldn't get you near the ocean).
Which is why we are renting a place in Maine walking distance to the ocean for a couple of months next year to see if that is what we really want.
BTW can't do Florida, humidity is way too high.
Not sure why you'd need two places incl. one in Phoenix if one of them isn't someplace like Maine where it's cold...
The thing that we often forget about when we think of retirement is... You don't need to live somewhere that you have to consider your job!
A place I'd be interested in would be the central coast of CA. As an example, here is from Zillow, 3bd/2ba or higher, single family homes, max price $750K, centered around the Paso Robles area:
(https://i.imgur.com/Nw2ESI3.png)
It's not walking distance to ocean, of course... But Paso Robles is a more vibrant town in its own right, with great dining options, lots of wineries in the area... I could absolutely see us retiring in Paso. It's not cold enough in the winter that you need to leave, and although it can get a LITTLE toasty in the mid-summer, it's nothing like Phoenix where you'd be hating life every day either.
And this one in Morro Bay is cozy, walking distance from the ocean, but needs a reno badly... https://www.zillow.com/homedetails/466-Zanzibar-St-Morro-Bay-CA-93442/15439625_zpid/
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unfortunately, still very expensive since it's in Cali
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Good plan. Having spent my first 12 years in Cleveland and being in Florida now, I can attest to your thinking.
Not sure how close you are to action, but now is actually a good time to buy on the gulf coast. House prices have come down and it is definitely a Byers market. Insurance is only crazy bad if you’re right on or very, very near the water
I live on the opposite coast, which I think is also beautiful and has better beaches. But the golf side is friendlier and people are kinder because it’s the I 75/4 and most of the folks over there are from the Midwest. I live on the east side which is the I 95/4 and most of the folks over here are from the north east. They are definitely not as friendly and welcoming, but I just work through it lol
First and foremost, congrats on being a year away! Man does time fly. I feel like it was just yesterday talking about how you had to be a Michigan dad. Our family we took a different timeline and restarted the timeline. Our two youngest are 3 and 1 so I’m a good ways away now. We built a new house when Covid first started with the mindset of if we’re always stuck inside what does it need to be like so outside the weather, like right now, we are living a pretty dreamlike setup at home. Our timing was great because we had contract before the Covid explosion in housing prices. It’s crazy to see the price/quality difference in the current new builds vs 4 years ago.
we had good friends that moved to West Palm for 5 years and we loved the area and hated any sort of highway travel from the traffic. East coast has some really nice areas but we fell in love with gulf side, Naples, Bonita Springs and visit it at least yearly.
we just got back from Savannah and stayed on Tybee Island last week. Was shocked how much I loved that area as well. First time ever doing an Airbnb and really connected with the owner and his family so we may have to work that into the mix. So short term it’s multiple trips in the winter months because I love the schools in the suburbs of Cleveland. Very fortunate. So it’s a sacrificial move for the kids while keeping sanity of the winter weather.
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One can save a lot of money living in a lower cost place and then traveling with the dollars not spent on some luxo condo somewhere. The weather at lower cost placed is usually fine for 5-6 months out of the year. Get nearish a reasonable airport. Figure the things you enjoy doing, golf, bridge, concerts, whatever. But walk a lot.
I had this discussion on line with a coworker a while back, he's a high level VP now retired, money for him would not be an issue at all. And he's very smart, a Purdue grad and patent lawyer. He doesn't play golf. I should call him now that he's retired, he told me he has kids and grandkids in the Cincy area and probably would stay put. Another good friend is French but lived in Cincy six years in a nice place, was CEO of a pretty large company there, neat guy. He returned to France because of grandkids. He told me he would prefer otherwise to stay in the States. They own a nice house in a small village about 100 km outside Paris. He doesn't like how France is changing, but he's kind of stuck.
In our case, our kids are scattered, mostly on the west coast now, but one in C-bus and one in France. They come here sometimes, we go there, etc. We have a large airport 10 miles to the south of course with a subway link.
My wife has a few places she likes to revisit, Hawaii being one. I'm encouraging her to be more adventurous, and she's amenable mostly. She has old friends all over Europe she wants to visit.
One thing we did before moving here was travel around the US a fair bit and ponder if living HERE would work, we looked for condos and houses and various and sundry, Vegas, Austin, Jacksonville, Tennessee, California, North Carolina ... I was maybe overly concerned with taxes, but it worked out.
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One of my good friends just sold in Bonita Springs to move to Punta Gorda.
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Our plan is to stay right where we are. We live entirely on the first floor of our house, it's a walkable neighborhood, with groceries, restaurants, and a good wine shop in walking (and very easy cycling) distance, and a major international airport is a stone's throw from us. Oh, and the weather is nice year round.
Given the cost of living here, we're fortunate that we bought our house when we did, and that we will have paid the lion's share of the mortgage while we are making good money.
Our kids will not likely come back here--too expensive (frankly, I don't want the pressure of making that kind of income for them)--but we love to travel, and hopefully they will live somewhere relatively easy to fly to.
One of my relatives has several times long-term rented her house to people doing remodels in town and used that money to travel for months on end. Would love to do that. Thinking about a year in Spain, and a great big road trip around the U.S. (north in the summer and fall, south in the winter and spring).
Of course, life throws curveballs, so who is to know what will actually happen, but we're getting within spitting distance, and things seem to be lining up ok.
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unfortunately, still very expensive since it's in Cali
Sure, but it's all relative. Incomes are high out here, so it's easier to amass the sort of nest egg necessary to afford someplace like that.
The harder bit would be budgeting to also include all the wine :57:
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You could always live in the Philippines for like $700/month, all-in. There's infinite beaches and beautiful nature, tiny, traditional women, and they all speak English.
Probably not a great place to retire with a wife, though, lol.
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345 Live Oak Dr, Angels Camp, CA 95222 | MLS #202500846 | Zillow (https://www.zillow.com/homedetails/345-Live-Oak-Dr-Angels-Camp-CA-95222/61681512_zpid/)
Pretty nice 3 bdr in CA for a bit over half a mil. As I said, I liked this area, wine country, mountains, interesting history. I pondered it except the state income taxes. I mused about moving to Florida and renting a place for a year and coverting all my IRA to regular at one go and then moving to CA.
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Sure, but it's all relative. Incomes are high out here, so it's easier to amass the sort of nest egg necessary to afford someplace like that.
The harder bit would be budgeting to also include all the wine :57:
agreed, but we're talkin bout retirement on a $1 million budget
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Not bad. I don't know that area much at all, but you're only about an hour from Sacramento, within driving range of the Bay Area and Tahoe (and a longer drive, but SoCal), and it would be nice to be near the Sierras. Probably gets a little toasty in the heat of summer, but not like Phoenix or the SoCal Inland Empire area...
That's quite a nice house at a pretty decent size for that kind of money. I'd probably look for something equally appointed but smaller if I were retiring. I know it's important to have guest rooms at that stage of life, but I'm not sure I'd need that square footage.
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agreed, but we're talkin bout retirement on a $1 million budget
Fair, but Sam's original statement was up to $1M to buy a place, not your total nut. Not that you necessarily want to spend it all on the house--anything you save can be used for the rest of your retirement. But I took it as that's the max you're willing to spend on a property.
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My wife wants guest rooms. You know how often we use them? Not very. Cheaper just to pay for a hotel every so often. We do have a 3 bdr, two offices generally, occasionally someone sleeps in them.
That area of CA is high enough elevation to have reasonable summers. And you could snag a place further up that would be cooler still of course if you want mountain living. I looked at housing when we stayed there and it was pretty reasonable I thought. There is the nearby town of Murphy which has 20+ wine tasting rooms in it.
Murphys Wineries: A Charming & Historic Wine Tasting City - WWP (https://www.winewithpaige.com/murphys-wineries/)
https://weatherspark.com/y/1338/Average-Weather-in-Angels-Camp-California-United-States-Year-Round
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Yeah, it's funny... My in-laws are probably going to move next spring sometime. They had moved from SoCal up to Southern OR years ago and their son (my BIL) moved his family up there as well. They [all] got tired of the fear of wildfires in the summer, especially after one came VERY close to the town they lived in, and almost touched the back property line of my BIL's farmland.
So they all moved to San Antonio. And in San Antonio, my in-laws bought a quite large, 4bdr house. For the two of them. Not sure what they need all that space for, but that's what they wanted. Now they're looking at moving again, since my BIL and his family came back here to CA. They're looking at the area where @Brutus Buckeye (https://www.cfb51.com/index.php?action=profile;u=31) lives (Hurricane, UT). Partly because they want a larger place. Yet all four of their kids and now all ten of their grandkids live in Orange County, whereas UT is a 6 hour drive away.
I think they'd ultimately be happier in a smaller place but closer to their kids/grandkids. And if they were local, it's not like they'd need guest rooms, because we're all here...
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6 hour drive is EASY
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Fair, but Sam's original statement was up to $1M to buy a place, not your total nut. Not that you necessarily want to spend it all on the house--anything you save can be used for the rest of your retirement. But I took it as that's the max you're willing to spend on a property.
Accurate
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Angels Camp and Murphys are lovely. Lots of the Sierra foothills are. A little more remote than people think of when they think of California, and a lot more fire danger than some other parts of the state, but would likely have a very nice quality of life.
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For a nice part of California, the area is very reasonably priced in terms of real estate. And it's about 2 hours from SF, and a whole world away, it's more like Texas.
The other area I pondered is over the line around Tahoe, or even Carson City.
My wife is a "big city girl", so here we are.
I get to make all the BIG decisions though, like whether Ukraine should sign the peace plan and how the President should think about education, etc.
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6 hour drive is EASY
Yeah, I don't mind it. Considering Oregon was 12 hours, and San Antonio would have been 19 if we'd ever driven it, 6 is practically nothing. It's certainly a massive improvement.
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They're looking at the area where @Brutus Buckeye (https://www.cfb51.com/index.php?action=profile;u=31) lives (Hurricane, UT). Partly because they want a larger place. Yet all four of their kids and now all ten of their grandkids live in Orange County, whereas UT is a 6 hour drive away.
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Just east of Hurricane are a bunch of vacated polygamy houses that you can pick up real cheap.
Those suckers are designed to house 50 people.
(https://i0.wp.com/theroyaltourblog.com/wp-content/uploads/2025/03/likely-polygamist-compound-1.jpg?resize=768%2C576&ssl=1)
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I'll, uhh, be sure to mention that...
:smiley_confused1:
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Just east of Hurricane are a bunch of vacated polygamy houses that you can pick up real cheap.
Those suckers are designed to house 50 people.
perfect, we could ALL visit!
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I'll, uhh, be sure to mention that...
:smiley_confused1:
They'd have plenty of room to have all of you over at the same time, for the holidays. :111:
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My wife wants guest rooms. You know how often we use them? Not very. Cheaper just to pay for a hotel every so often. We do have a 3 bdr, two offices generally, occasionally someone sleeps in them.
That area of CA is high enough elevation to have reasonable summers. And you could snag a place further up that would be cooler still of course if you want mountain living. I looked at housing when we stayed there and it was pretty reasonable I thought. There is the nearby town of Murphy which has 20+ wine tasting rooms in it.
Murphys Wineries: A Charming & Historic Wine Tasting City - WWP (https://www.winewithpaige.com/murphys-wineries/)
https://weatherspark.com/y/1338/Average-Weather-in-Angels-Camp-California-United-States-Year-Round
We have a 2 bedroom, but the guest room has a very nice murphy bed. I used it as my office before retiring. It was fun having one of the kids here with their wife and 2 year for a long weekend.
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3 BR, one is my office with a Murphy bed that has been used twice in 6 years.
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That kind of thing always drove me crazy, watching those house-hunting shows. Inevitably, EVERY couple would obsess about hosting or entertaining, ignoring that their lives in that house would be 99.99999% NOT doing those things.
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only one very small reason I wouldn't watch
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That kind of thing always drove me crazy, watching those house-hunting shows. Inevitably, EVERY couple would obsess about hosting or entertaining, ignoring that their lives in that house would be 99.99999% NOT doing those things.
Her: Stay home mom
Him: Pencil eraser salesman
Budget: 780,000
In search of a 5 bedroom, 4 bath starter home, for them and their 2 year old to grow into.
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Her: Stay home mom
Him: Pencil eraser salesman
Budget: 780,000
In search of a 5 bedroom, 4 bath starter home, for them and their 2 year old to grow into.
We watch some of that and wonder how much money they get from their parents. Because no way did they earn it.
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Her: Stay home mom
Him: Pencil eraser salesman
Budget: 780,000
In search of a 5 bedroom, 4 bath starter home, for them and their 2 year old to grow into.
I mean, people don’t tune in to watch sensible people do sensible things.
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Given my druthers, I would probably stay mostly where I’m at if I retired. but I am kind of boring that way.
The most interesting aspect would be what my girlfriend, who would actually set the agenda, would want to do. if it didn’t involve staying put, probably the beach or France.
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I mean, people don’t tune in to watch sensible people do sensible things.
By people, you do mean women, right?
The proverbial --- every F'ing time:
"That's a really big closet!" - HIM
"Yeah, but where are you going to put your clothes? HEHEHEHE!" -- HER
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Young couples are so clever.
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I mean, people don’t tune in to watch sensible people do sensible things.
all reality shows
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It’s weird to me when people retire and move to a completely different part of the country. I’ve often, only half seriously, said that I would like to someday move to a slightly cooler climate, one that had true seasons. 3 months of summer, give or take, a real fall, real spring, and yes even real winter. Not quite as hot during the summer, with less humidity. There is really only two main criteria. It has to be in the “South”. And it has to have good fishing nearby. Oh, and the aforementioned climate. The other criterion is that it needs to be relatively low cost of living.
I’ve often thought perhaps Northern Arkansas or Southern Missouri would fit the bill nicely. I haven’t spent much time in those areas, save for short trips here or there, but the heat seems slightly better, and there are lakes around that should have great fishing. Other choices would be Tennessee, where I’m told some of our family originated from. Other choices may be the Carolinas, but I’d think the humidity would be bad, but I’ve never been. West Virginia might be a good one, except it may be too. LCOL.
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It’s weird to me when people retire and move to a completely different part of the country. I’ve often, only half seriously, said that I would like to someday move to a slightly cooler climate, one that had true seasons. 3 months of summer, give or take, a real fall, real spring, and yes even real winter. Not quite as hot during the summer, with less humidity. There is really only two main criteria. It has to be in the “South”. And it has to have good fishing nearby. Oh, and the aforementioned climate. The other criterion is that it needs to be relatively low cost of living.
I’ve often thought perhaps Northern Arkansas or Southern Missouri would fit the bill nicely. I haven’t spent much time in those areas, save for short trips here or there, but the heat seems slightly better, and there are lakes around that should have great fishing. Other choices would be Tennessee, where I’m told some of our family originated from. Other choices may be the Carolinas, but I’d think the humidity would be bad, but I’ve never been. West Virginia might be a good one, except it may be too. LCOL.
Western NC could be good for that. Some lake mountains. Cooler climates and such.
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Anyways, I know it’s all academic. We already live in a relatively LCOL area, although that’s slipping away a little each year, but I already own a nice house here. All our family and friends are here, our kids will probably never leave. Our whole life is here, including rental properties, our business, and at least 100 years of family presence. We’ve got so many cousins and connections it would be hard to leave it all behind. Not to mention some really good saltwater fishing.
I can be at multiple different beaches within 30 minutes. They’re not nearly as pretty as the ones in Florida or other places but I can drive my truck directly on them, for free. We have a lot of industrial activity here, really good jobs, and a world class port. I know that it will eventually become urban sprawl, but it won’t fully happen in my lifetime.
My best hope is to find a nice piece of property not too deep in the country and build myself a house exactly like I want instead of this house I’ve lived in for 23 years that I’ve never cared for.
When I do, I’m going to go off-grid capable. Solar with grid tie, backup batteries. I actually know multiple people who have done this setup.
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Another area I would consider during the summer. Upstate NY somewhere in the Adirondacks. Was lucky enough to spend a few times up on Lake George. That is certainly not fitting in the under $1mm budget but it’s stunning up there. Truly nature at its best.
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West Virginia might be a good one, except it may be too. LCOL.
You can really get a lot of house for just a little, in West Virginia.
(https://external-preview.redd.it/1OaHn0JKpESscjImGZMiqo0jR4-p_Dxx2w87-jNgW0c.jpg?auto=webp&s=2109ed61bce1bab19f8b45b8f45e1a394ac0bb29)
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It’s weird to me when people retire and move to a completely different part of the country.
Yeah if it were up to me I'd probably never leave. I don't mind cold weather, especially if I don't have to drive in it, which as a retiree I wouldn't have to do.
But the ole battleax is Jamaican and is not nearly in tune with Ohio as I am, so I might as well prepare now for moving somewhere warmer.
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I'd rule out Jamaica for the time being. It's gonna take them a while to recover.
Does she have family there?
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I'd rule out Jamaica for the time being. It's gonna take them a while to recover.
Does she have family there?
Yes, though she has never seemed interested in living there.
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But the ole battleax is Jamaican and is not nearly in tune with Ohio as I am, so I might as well prepare now for moving somewhere warmer.
Problem is you'll prolly spend as much time inside because of the oppressive heat as you would from the freezing cold. Choose your poison i gues ¯\_(ツ)_/¯ as things now stand I'm going out of my starter house toes up
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Problem is you'll prolly spend as much time inside because of the oppressive heat as you would from the freezing cold. Choose your poison i gues ¯\_(ツ)_/¯ as things now stand I'm going out of my starter house toes up
Inside in the cold far superior to inside in the heat, as well.