Retirees who move to a 55+ golf community such as The Villages in Florida keep paying costs after they stop playing. The $204 monthly amenity fee, or $2,448 a year, stays attached to the home, and funding it at a 4% withdrawal rate would tie up about $61,200 of savings. The article estimates the retirement portfolio needed beyond home equity at $957,000 to $1.09 million, based on average household spending of $78,535 in 2024. For a surviving spouse, Social Security may fall to about $24,060 a year while the fee stays the same, making it roughly 10% of benefits. If the fee rises 5.1% a year, a $200 fee could reach about $539 a month over 20 years.
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