Buy a 3 br house. 30 yr mortgage. Come here 4 months...sept thru dec. Rent it out jan thru april. Do that until you collect social security and/or can get to ira or 401k money at 59.5...assuming you have that investment. Depending on mortgage rates, can refi to 15 year mortgage or add a few hundred each month to payment to cut down the number of years left on mortgage.
For better responsed, we really need more info.
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