The Simple Home Move That Feels Like a Pay Raise in Retirement

For many retirees, the biggest boost to their monthly income doesn’t come from Social Security, annuities, or investments—it comes from their house.

New 2025 guidance shows downsizing can feel like giving yourself a permanent raise.

And the payoff is bigger than most people realize.

Why Downsizing Works Better Than Most Budgets

The numbers are clear: selling a large home and moving into a smaller space can transform your retirement cash flow. Property taxes drop, utility bills shrink, maintenance costs fall, and in many cases the mortgage disappears completely.

Even better, the equity you unlock by downsizing can be invested for additional income — giving you a steady boost without taking on more financial risk.

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