This article is based on a conversation with Sherrill Villains, 81, a retired who lives on a home boat off the coast of South Maryland. she One of the thousands Among the elderly Americans who shared their financial stories, professional life and retirement with Business Insider. This interview was released for length and clarity.
I felt the idea of living on the boat of the house as a coincidence. I retired in 51 of my educational career as a reading specialist. I was never a boat, boat leader or anything, but one day in 2009, there were two friends in my living room talking about Washington Boat Washington, unconventional capital on M. Street. I was attracted to that. When I traveled to the bottom of the water and saw those boats in Marinas, I was like “Oh, yes, I do this.”
Soon after, I sold my house, pushed the mortgage, bought the boat of the house in cash, then started my adventure. It was immediately after the market collapsed, so I sold my house – where I lived for 15 years – is confused, but I managed to buy the boat for about 84,000 dollars. I knew that the decision to move would reduce my living expenses and I no longer have a real estate mortgage.
Sherrill Willins, 81, replaced her home in a boat in 2009.
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Lucky to me, if you have a pension, you will not even have to think about 401 (k). I have no savings, but social security and teacher pension add up to $ 4,996 a month, which is comfortable for me to live in it. I keep my accounting book and write all my expenses – the fees for my home are $ 275 a month, then I need the costs of grocery stores and facilities. Thank God, I am in excellent health. If something happens, put it on my credit card, then I will pay it. I am disciplined with that.
I pay towards my next financial goal: to be completely debt. Boats can have more expenses than homes at times. After settling here, I had to pay several thousand dollars to repair the roof, air conditioner and electricity. I have paid for these repairs with my credit cards, and I hope you reach zero by the end of this year. Once you are completed, I will have an additional $ 2000 monthly of money spending.
The internal dining area of the Velons boat.
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I live an alternative lifestyle. I have no children and I am not married. But I have a routine: go to the gym, fill a few gallons of fresh water in a natural spring of 488 road, cook on a plate or grill, and I run my missions. I also know some local children how to read. I do not charge families anything, but it gives me a sense of goal. Although I am in this subsequent stage of my life, I can still say, “Oh, I have something I do today.”
I do not feel lonely. In my early years, I was a final party girl. I liked to go to the bars, listen to music, and go to dance. Now that I am older, I am a little bit. I speak with friends, go to the social events held by my boat association, and go once a week to the near Jazz Club. I would like to say to anyone who plans to retire: Be open to new experiences. Cultivation of your imagination. Ask yourself: “G, where do I want to live? What is important for me?”
The boat was ever an adventure for me. When it moved in all of these years, the capital region had a giant snowstorm. It was like a foot above my knee. I had to scrub the sidewalk, along the football field, but I felt proud of myself. I felt life. I literally think that living here keeps me small.
I am happy with how my life and people in it. From my childhood, I always loved nature. I see eagles, Osprez, gray, blue sorrows, and small turtles on the boat every day. This is my dream.
The Villas Eagle saw from the balcony of its home boat.
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