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Renting doesn't necessarily mean an apartment.

This month two clients (early 70s) decided renting was a better option.

They could reduce expenses and invest/spend their home equity.

Plus they have flexibility absent with their former homes.

As an aside...

I don't understand ignoring SS benefits. Dialing back I get but not 50% unless you were planning for a surviving spouse.

Worst case scenario benefits are cut 25% in 18-20 years.

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