That’s true, that’s why my mentioned the possibility of luck. But also the willingness to downsize as a means to pull money out of the home, as that real estate appreciation won’t put food on the table. HELOCs and reverse mortgages, as means to get money out, both seem predatory. Those are non-starters for me.

My dad talked about potentially downsizing to a condo about 5 years ago, but hasn’t done it and I don’t think he ever will. There is too much identity and emotion tied to owning a nice home for him.