Living full-time in an RV after selling your home can present some challenges. These are challenges that will take some strategy and good planning.
Personally we have lived for over 20 years in Florida and will maintain our residency and domicile, IF…I mean when we pursue my “Camper Crazy” dream of living full-time in an RV and traveling. We have already started planning so the day I retire, we can fill up the tank and go!
Some full-time travelers will purchase an RV lot much like Debi and Joe in our previous blog, however, we are not sure we will go that route. We know for certain that our home base will be Florida in some form. Some travelers will use a family member’s residency in the state they want to consider their permanent residence. There are those that live in states with taxes that highly impact retirees. In that case, they may look for residency in a state, like Florida, which will have less impact and seek to change their domicile.
We really had no idea what we should do once we start traveling full-time. Then we thought about missionaries, doctors without boarders, traveling nurses, cruisers and those in the military. What do they do? How do they handle being away for long periods of time, and what do they do about the items mentioned in the title? First, what do they do about their mail?
One way of handling the mail is to use a mail forwarding service. There are several that you can find online, however, many may be drawn to Good Sam’s mail service. Many full-time campers already have a membership with Good Sam, so they will get a discounted price to use their service.
Basically you will get a physical Florida address that you can use for more than your mail. That address could be the beginning of setting up your residency. It may be able to help you obtain or maintain a driver’s license, get your auto/RV tags and insurance, and setting up bank accounts. You can view the details at https://www.goodsammailservice.com/faq
Domicile in and of itself is basically your home or where you intend to return. From our research simply owning a home and spending most of your time in a state is not enough to prove domicile. Where you consider your permanent home and where your important activities take place is what can help you establish your domicile. This is especially important if you want to establish a new domicile.
While you can own more than one home or residence, you can only have one domicile. If it isn’t clearly apparent which is your domicile, then you must take the right measures to establish your new domicile and give up the old. This is important due to legal issues that could arise. For instance after your death, if your survivors have to file probate court proceedings, it must be done in the state of your domicile at time of death.
One of the most important factors is your intent. No one can read our minds or hearts, but they can see the evidence. Where do we maintain our memberships? Where are the financial institutions that we deal with? Where are you registered to vote? What address is on a driver’s license and passport? What address is used for filing taxes? All of these things can be evidence that we are domiciled in a specific state. Additionally, a person can file a Declaration of Domicile.
For anyone considering selling their home and living full-time and traveling in their RV, planning is necessary. It means making some serious decisions so you effectively identify your intent of domicile and residency. Our research has merely skimmed the surface of the topic, so take the necessary steps to learn about a state’s domicile and residency requirements, and if necessary, contact a local attorney to fully understand the law.
Once you get to the point where you can have the freedom of travel, you may want to have everything in place so nothing slows you down on the road of a Camper Crazy life!
A few weeks ago I received a text from a family friend and it said “you may want to read this“. I immediately went to the website and started briefly scanning the article. Then a wave of nausea hit me like a tidal wave. A panic attack…could it be? My immediate reaction was to quickly turn off my computer and hide it under the bed. There is no way my husband could see this. It would support every negative feeling he has about my Camper Crazy dream. He will say, “see, everything I have been telling you is confirmed in this article” and with a quick chuckle finish with a “I always knew you were crazy.”
A few days later peeking under the bed, I stared at the laptop and wondered if I was emotionally strong enough to confront the dreaded list. With sweaty palms and a racing heart, I summoned the courage to reopen that link and start reading. To be honest, I could not read it all at once. It took me a couple days to finish it. It was like trying to choke down a plate of broccoli, brussel sprouts and sauerkraut accompanied with a glass of buttermilk. I could not like it!
Should I just give up on my dream based on this article? At first, I was almost convinced that I should. The article was based on interviews of people that decided to live my dream and their valuable personal experiences, which remarks did not coincide with my dream.
Then my more rational side kicked in a couple of my brain cells. I decided that I would take one item at a time and analyze how it applied to us and how we could overcome. I started with what I felt would be the easier items to confront first.
I had to skip down to Slide 8 before I found a comfortable area to start. Not that dealing with your own waste is easy! However, in our previous article “To poop or not to poop” we confronted that topic with experienced campers. I feel like my husband will be more than capable of taking care of that part of the mess. He is an electrician by trade. That is close to a plumber, right?
Slide 9 discusses how small the living quarters are and how it can create issues between traveling companions. That seemed plausible. We have been married 45 years and there are times I would just like to have the house to myself for an afternoon and have a “Calgon” moment. Is that enough to not follow my dream?
I sent a message to my friend Debbie. She and her husband sold their home and living full-time in an RV for over a year. When I asked her if she thought spending all her time with Joe caused issues, she laughed. Her reply was: “When you retire with your spouse what difference is there between hanging together all the time at your house or on the road in a camper? Either way you are together, so why not spend the time enjoying journeys?” Boom! Good Answer. Two down, eleven to go.
Slide 10 deals with the challenge of driving an RV. It is one of the things that sort of scares me. Not that my husband is a bad driver. But, lets face it, when one retires and ages, you look forward to losing your hearing and your eyesight. Uggg!!! It is always easier to drive when you can see where you are going. One of the things we learned from Dan & Mary Ellen, (the owners of the Pleasure-way) is careful planning helps. They plan their trip each day so they are only driving six hours a day. They can start after rush hour and arrive at their next campsite in late afternoon. A great plan!
I realize it is best if I learn to drive whatever camper we purchase in case of emergency or when my husband just doesn’t feel like driving. However, if we purchase a fifth-wheel or a travel trailer, I have zero experience. A Class C is not as scary to consider since I have driven the largest U haul trucks packed with furniture across the country.
Shanna and Brent ended up getting a fifth wheel to replace their totaled trailer. (refer to “Griswold’s in the making” article). Today she drove through Fancy Gap, VA on I-77. She said it is much easier towing a fifth-wheel than the previous Grey Wolf trailer.
Driving through Fancy Gap in a car scares me, so I am pretty impressed that she drove the F-250 with the new Elkridge. I was even more impressed that Brent wasn’t on his knees praying the whole time she was driving since the F-250 is his pride and joy.
Lynette and Mark from one of our previous posts drive a Dodge dual wheel pickup with a Jayco fifth-wheel. She tells me not to worry, it is easy. So I guess, if nothing else, I have Shanna and Lynnette to give me driving lessons if we buy a fifth-wheel.
Slide 11 discusses problematic overnight parking but gives suggestions on some apps you can utilize to find overnight parking. Easy enough we can do that. Note to self: download apps. 4 down!!! My blood pressure is now normal!
Slide 13 made me sigh. I am not a hoarder exactly, but very sentimental and like to keep things, that in all honesty.. I don’t need. However, I feel that someone close to me may appreciate the fact that I kept something that they may appreciate in the future. My husband on the other hand loves tools and wire, and nuts and bolts. We have made great strides in reducing the stuff we have over the past year. It is just stuff that will rust and deteriorate over time. For those things like old photos and letters and cards that are so dear to my heart, I am hoping my children will help me scan and maintain electronically and maybe keep some of the originals. Renting a storage unit is an option but costs extra money. We can’t forget that once we retire we are on a fixed income. A difficult obstacle for the emotional side but we can overcome!
Slide 14 deals with the fact that it is not easy to pull up your roots and leave friends and family. There is absolutely no way I can go for several months and not see my kids and granddaughters. We would both go insane. Another tip I learned from the glampers Dan and Mary, is when they owned their Class A is to invite others to join you along the way. Often they would have their kids, grand-kids and other family members and friends fly to a city on their journey. They pick them up at the airport and they travel together in the RV for a week or so and then drop them off at another airport to fly home. That way they continue their travels but share their journey with the ones they love. That can work for us as well.
Slides 2-6 &12 is what stresses me out. Those items started the heart palpitations and doubting my sanity. According to the article, RVs can be expensive, can cost a lot to repair, they depreciate, get bad gas mileage, can cost a lot to update if you buy used, and insurance can be a pain (see our blog on things you need to know about RV insurance).
While at face value those are accurate statements, what about the flip side? If you sell your home and purchase a condo to retire in, you may have huge assessments that come along as the association implements upgrades. Or like many that retire in Florida, they purchase mobile homes in 55+ communities. What happens when the AC goes out or the hot water tank breaks? Those repairs are not cheap either. Plus the lot rental can be increased every year. Stick and brick home renovations are expensive as well. In either case, if you live in an RV or a regular condo or stick and brick home – any type house repairs are going to be needed and will be expensive unless you know someone that can make the repairs for you.
I have a sister that lives in Ohio, in the same home she and her husband purchased back in the early 1960’s. If she only used her fuel oil for heating and not her wood-burner too, her heating bills in the winter would be astronomical. She would probably be better off driving a gas guzzling RV to Arizona to spend the winter. So saying that RVs are expensive may be true, but one would have to consider the alternative costs of whatever other living arrangements you make in retirement.
After reading the whole article I reached back out to our friends Debbie and Joe. Debbie made the point that after selling their home they purchased an RV lot where they spend the winters. However, after raising a family in a “bricks and sticks” home, they were happy to buy an RV even though they realized the RV would depreciate. Debbie said, “who cares? the experience is worth it”. Just look at this picture, you can see how the RV life suits them.
Slide 7 deals with something we basically have little control over, Health Care. It makes sense that when you travel continuously it could be a hassle. While doctors may be everywhere, we prefer our regular doctors. That can be a real challenge.
My husband had major back surgery a few years ago. If by chance he has a similar issue while traveling that requires additional surgery, there is no way we will want some random doctor performing the surgery. Not knowing how the whole Medicare thing works is also a little nerve-wracking but we have some time to figure that part out.
For employed people that have the option of participating in an employee sponsored HSA (health savings account), it may be something to take full advantage of, especially if planning on a “Camper Crazy” lifestyle after retiring. We realize we must have something set aside to help pay for costs not covered by insurance.
While there are downsides to retiring in an RV, there are also upsides. The 13 reasons mentioned above are things that we feel can be minimized with knowledge and planning.
Unfortunately, we should have actually started planning for this lifestyle even sooner. However, my husband’s hesitancy is actually a good thing because it offsets my crazy “jump right in and do it” personality. With planning and the right strategy… hopefully… we will NEVER regret living full-time in an RV in retirement. That is, if my husband can be persuaded to be Camper Crazy too!