Another consideration is that over time, if you become less mobile, you will spend much more of your time inside and around your home. We enlarged our home in the areas we will use, both inside and out. I really do not mind maintaining yard, lanai or inside space as long as we use and enjoy it. All depends on what is important to you. We really did not want to feel cramped in retirement, just easy living and having what we need. When one goes, the other can always downsize then if that is best for them. My reasoning may be slightly skewed because I spent way too much cramped time in submarines
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