$ Your taxes
If you’re considering buying or building a second home to retire to, pick an area with low taxes and a lower cost of living, not just great golf courses.
$ Your mortgage
Make an extra principal payment each month so you’ll be house-payment-free by retirement.
$ Your utilities
Invest in the most-energy-efficient technologies you can afford, including solar power, geo-thermal heating, heavy-duty insulation, and super-high-efficiency appliances. You can cut utility bills in half or more — and your fixed income will thank you.