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I can afford a $300,000 home in a ski town ‘but not if it comes with $6,000 a year in HOA dues’ — so where can I retire?


We will be retiring, hopefully in 2021, with about $30,000 to $40,000 in annual income from a pension. I would love to live in Summit County, Colorado, where all the awesome stuff is — mountain biking, skiing, paddle boarding — but it’s outrageously expensive. 

In retirement I plan to teach skiing and would love to have worked at Copper Mountain, but I can’t afford anything around there. You got any advice for mountain areas like that where I may be able to afford something? We could probably afford a $250,000 or $300,000 house but not if it comes with $6,000 a year in HOA dues.

Please let me know what you think. I’m getting desperate and discouraged.


Dear Mac,



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