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Old 06-16-2015, 01:02 PM
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Default Life in our 60's. Different mindsets

My husband and I are now both officially in our 60s. I am 61 and he is 63. It is amazing how your mindset and priorities change. Both of us are seriously looking at our savings and income, with plans to each retire at 66.
We own a house, and this is where we are at odds. Rick wants to stay put until "the end". I would love to go in to a senior living community, or apartment. Now, I am not talking tomorrow, or next week. But at retirement. We own a Mobile home. Not a lot of upkeep, but still have to mow lawn, shovel and stuff, and yes, the lot rent is much lower than apartment.
I really want to be able to give up the outdoor upkeep and all. We do not have to decide now, but I have a sneaky hunch he is going to win this discussion.
Any other seniors here having same issues, or thoughts?

Side note..took myself out to lunch the other day, as I was out running a lot of errands, I was asked if I wanted the senior discount. What am I going to say, NO?
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Old 06-16-2015, 01:59 PM
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I would say do the math and figure out what the costs would be to A) stay and B) move into the retirement community. I would have to think that there are more compelling reasons to stay/move than yard upkeep.

Is the retirement community going to add extra/different costs that you wouldn't have associated with owning a home? Are you both in good health - or at least plan that to be the case a few years from now? Do you have the means to support yourself in either place if there was a medical reason for one to leave the home and be in a medically supported residence? Do you know anyone at the new place or would you be totally starting over?

If all things were equal, I would stay in my home as long as I could simply because it's what I knew and was already comfortable there. I would think that retiring at those ages means that you can retire comfortably, so personally I would bite the bullet and pay someone to do those chores for me.

If nothing else, tell him that if you are truly unhappy or it gets to be too much, you will compromise and move to the retirement community at 70.

Dh's mom is 79 and she lives on her own now in a house that is way too big and she spends part of each day outside picking up pine cones and sticks that have fallen. It's her something to do, but she does depend on a service for the rest of the stuff.
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Old 06-17-2015, 09:18 AM
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I like the points you make, Fidder. Thanks. My brother has a good financial head on him, and one thing he reminds me is that if I do go to an apartment, where I may WANT to live would not exactly be where I can AFFORD to live. Makes sense.
Another thing for me is that , personally, I have a bad tendency to want to be a bit anti social and isolate myself. Just naturally a shy person. I was just thinking that if I lived in a senior community of some sort, once I was on my own, I would be more apt to interact with others, rather than just keep to myself.
But you know, when the time comes, who knows where my mindset will be. Still a lot of time to mull over my options.
Of course, this is always assuming I am alone first.
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Old 07-01-2015, 08:44 AM
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One thing you need to consider. Many of us in the younger generations are refusing to buy homes and cars. X amount owe large sums of money on the student loans. We are also dismayed at the results of the housing bubble. We've become generations of renters and the result is skyrocketing rental costs nation wide.

If your taxes and rent for your mobile home are reasonable, I would stay put.
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