US Med Voice

US Med


Vol. 3, No. 9 | September 2011




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Think About Your Home
When Planning for Retirement

US MED Gives BackA home can mean security if the mortgage is paid off and you can afford the taxes and upkeep. What's more, you can borrow against it for big, unforeseen expenses.

Financial advisor Jane Bryant Quinn says a mortgage should be paid off with current income, not with cash from an IRA or 401(k). Additionally, retirement accounts provide liquidity and are protected from creditors.

If you see that it will be difficult to pay your mortgage and expenses in retirement, here are a few options.

Refinance: Take out a new 30-year loan regardless of your age.

Sell and buy something else. If the house is too big, too expensive and has stairs and slippery floors that could be hazardous when you are older, sell it and buy a smaller place with the proceeds. Grandkids can sleep on a sofa bed.

Sell and build. Why not take the proceeds from the sale and build the perfect, smaller house for your needs? Florida, South Carolina and Texas are big retirement havens.

Sell and buy a condo. No upkeep, find one on the golf course or in a retirement community where you can make friends and live easily.

Don't go through your retirement savings in an effort to hold on to a house you can't afford.



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