Reply to sell as-is vs renovate

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]
I am not fully understanding what the exact issue is here.  Are you saying that the house is no longer livable for you as is without renovation? Or is this more of a convenience, QOL issue? [b]Or are you trying to prepare for the situation where you no longer can climb stairs?[/b] If this is the latter then how many more years do you think you have? All this matters. Can you afford any renovations now or do you need to wait till you save more?[/quote]

I am trying to prepare for the no-more-stairs time in my life. As to how many years that I think I have -- I have no idea. My doc says I will be at my current health/activity level for 30 years. But how does anyone know if it is 30 years vs. 29 years, 6 months, etc? KWIM?

My intent is to continue working as long as I can. My job is stress free, commute free, and lets me interact with work colleagues and friends. I'm currently covering the cost of my kids' car insurance ($$) and mobile phones, which I will be able to drop eventually.

(I could pay the mortgage off now with my savings, but with the low interest rate, I thought I would be better off keeping my savings in HYSA/CDs/MM with interest rates at 5% and higher.)[/quote]

I'm confused.  Are you OP?  Is this all a sock puppet?  Given OP's young age (61) and retirement resources, OP should examine why he/she is not able to cover monthly expenses and how moving would improve that. Can expenses be cut?  Can OP get a roommate? Also, OP does not seem to be factoring in moving expenses and expenses associated with the new place to live.  Rarely do furniture, window treatments, rugs work perfectly and that costs money.   [/quote]

I am the OP. My husband died and he was the majority breadwinner.[/quote]

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