Welcome to Day 4 of my 12 Tips of Christmas! If you're just joining the series, head to my grid to catch up on Days 1 to 3. Tip 4 is a big one: Understanding the financial reality. We want to be clear and realistic from the start. Moving later in life involves more than just the sale price and the purchase price. Here's what you need to factor in early on: Future Living Costs: How will utilities and upkeep compare? Potential Care Down the Road: Are there funds reserved for future care needs? Ser
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