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But John P., a 68-year-old former software executive, took the opposite approach.

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He said its been an excellent decision for him and his family.

Unsurprisingly, hes joining other retirees who are seriously planning their next life steps.

Heres what he learned in his research process.

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Heres what he learned in his research process aftertaking time to plan his retirement.

But we did the math.

Making the Numbers Work

The couples strategy relied on smart planning.

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Its more than enough to stay in the place hes called home his entire adult life.

The Smart Downsize

The secret was downsizing while staying local, John explained.

We sold our 4-bedroom colonial and bought a 2-bedroom condo in cash near the train.

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Culture at Their Doorstep

Their move had an unexpected upside better access to the city.

You just cant get that kind of culture anywhere else at least not in the United States.

Living Smart, Not Large

The numbers work because theyve adapted their lifestyle.

They take advantage of senior discounts atlocal theaters and museums.

They eat at their sons house once a week.

They make it work.

Do we sometimes question staying when we get thewinter heating bill?

Sure, John admitted.

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