[TrudyM]

The IRS says they determine it on a case by case basis, but overall you are a resident in whatever state you reside 6 months or more and if there is no such state then in which ever state you reside at least 120 days in the aggregate. So that would make us FLA residents.

This plan is a little complicated. We are just scared that if the economy goes south again and we have purchased a home and then have to go back to work we will be stuck with the expense two places. The value of our retirement investments has finally come back but we had almost no income from them in 2008 and 2009 (partly as they were all in stocks but still),
So I am trying to only count on pension and social security, and holding my sons mortgage. So only a little over half of our original planned retirement income.

It is all a little scary. Once the paycheck stops, it stops, and it's a long time from 63 to death (we hope). I guess I am just negative as I have not been able to reacuire regular employment since my 2008 layoff. I was raised on stories of the great depression and how the only thing you can count on is your own brain and willingness to work.

Allot of you are pretty savy and very supportive and I appreciate your input.

Trudy