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Your Retirement Life: How Do You Know Where to Live in Retirement?

July 3, 2018 By E.J. Smith - Your Survival Guy

By Andrey Armyagov @ Shutterstock.com

If you are like many soon-to-be-retirees in America, you’re looking forward to getting away from your cold, northern, probably-high-tax state and settling down in retirement in a southern locale with low taxes and warm winters. But, how can you know where you’ll like it best in your Golden Years? (for information on choosing a low-tax state, see the Richardcyoung.com Liberty & Freedom Map here).

Last month I encouraged you to do some A/B testing. Live short-term or spend a vacation in some of the places you’d potentially move to during retirement. Without actually staying there for a month or more, it can be really hard to judge whether or not you’ll be happy.

There’s another way to get a feel for new territory. Get an RV and travel the country until you find the right place for you. GoRVing.com has some tips about RVing that could help get you started on that adventure. Chief among the decisions you’ll need to make if you plan on traveling the country in an RV is whether you should rent or buy your vehicle. According to GoRVing.com:

  • Many RV models allow a family of four to save up to 59% on vacation costs over other forms of travel. That’s a calculation that takes into account RV ownership costs, including payments, insurance, maintenance, tires, tax breaks, registration and depreciation.
  • In today’s economy, there are great deals available on new RV models. Consider pre-owned units for more savings.
  • Financing is readily available for qualified borrowers.
  • You may qualify for a tax deduction because the interest on your RV loan is generally deductible as second-home mortgage interest. Check with your financial advisor to see if you qualify for the deduction.

Read more here.

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zilldjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com
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