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The House, Remarriage, and Long-Term Decisions

What if I want to downsize?

Short answer

Reasonable. But plan the timing carefully. The 2-year window for the $500,000 gain exclusion matters. Also consider: transaction costs (agent commissions, closing costs) on both sides of the move, moving costs, and the emotional cost of leaving a home full of memories…

What this usually means

Reasonable. But plan the timing carefully. The 2-year window for the $500,000 gain exclusion matters. Also consider: transaction costs (agent commissions, closing costs) on both sides of the move, moving costs, and the emotional cost of leaving a home full of memories. Many people who downsize immediately regret rushing. Give it at least a year.

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