If you count the value of the houses, I'm more than halfway thereI figure you can count house equity in your primary home only if you have a definite idea how much you'll spend on your retirement home. I.e. if you plan on $200K for a house in a reasonably market (not Boston) plus for $1M for income, you can count your equity. If you're willing to move when the time comes.But in your case, you're talking about investment property. Property you own for income reasons. Yes, you can count that value, just as you can count unrealized gains in stocks. - Gus
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