My motto has always been “what you don’t spend you don’t have to earn”.
I always buy homes in what many people consider ‘undesirable’ areas. Under NO circumstances will I buy where there is a homeowners association. My mortgages are always less than $500 a month. My current house is in town within walking distance to grocery, credit union, restaurants, etc.
So many people say it can’t be done but I’ve been doing it, in town and in the country for 30 years.
I retired two years ago and couldn’t possibly be happier. If I HAVE to get a job I can walk up the street and work as a cashier somewhere but my basic needs are taken care of.
I must add, though, that this retirement required me to do jobs of drudgery that a lot of my friends say they just cannot do. My answer is “you gotta pay to play”. 20 years of doing jobs that others wouldn’t touch gives me the freedom to laze about the house and travel now at 58 years old.
I am currently teaching myself French (second language is on bucket list), establishing my second Urban Permaculture Demonstration garden, riding my bicycles, creating art, and traveling. Next country on my list is France.