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Message: [QUOTE="Improviser, post: 3678572, member: 10683"] This all sounds good, but do you plan on staying there for the next 12 years or a substantial portion of them? This reminds me of the argument for deferring the receipt of social security until a person is 70. The argument goes that your monthly receipt of payments will increase like maybe 25% more if you wait. I figured it out and even took mine at age 65 rather than 66, to not have to wait 12 or 14 years to break even. I did the math so that is how I knew. Because, who knows about the future? If you don't mind the upfront costs and hope to be living there for 12 years, barring unforeseen circumstances, and you are a younger person, the logic sounds good. [/QUOTE]