I lived in California for 40 years and I am retiring in CA. I have worked very hard to buy two income properties that will replace my current income when I retire at 62 in two more years, life is great. Work hard when you have plenty of youth and enjoy life when you don't have it anymore.
@OldsmobileCutlassSupremeConver2 ай бұрын
Ha ha. Good luck with the Leftist Rental laws.
@CunninghamLegal2 ай бұрын
Congratulations on choosing a retirement date! Thanks for sharing that it is possible.
@torsten67772 ай бұрын
I have accumulated a lot of rentals here in CA and the governments tenant friendly laws help me to collect huge rents because nobody wants to be a landlord here with these laws. That means little competition = high rents.
@Justaguywithtruth2 ай бұрын
Your old it worked out, two young adults struggle in California while working..🧐🤔🤨
@OldsmobileCutlassSupremeConver2 ай бұрын
@@Justaguywithtruth actually it didn't work out, she got the house. I had to start over. I got the better deal.
@CameronFussner2 ай бұрын
More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.
@fadhshf2 ай бұрын
The increasing prices have impacted my plan to retire at 55, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
@LucasBenjamin-hv7sk2 ай бұрын
More reason I enjoy my day to day market decisions is that i'm being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time, both employing profit-oriented strategy and laying off risk as a hedge against the inevitable downtrends, coupled with the exclusive information/analysis, it's quite impossible not to.
@StressLessFinancialАй бұрын
You’ve highlighted some critical challenges that many face in retirement planning. It’s crucial to address these issues proactively. What strategies or solutions do you think could help middle-class Americans better prepare for a secure retirement despite these hurdles?
@camela8445Mar2 ай бұрын
Retirement in Canada, it can be pricey, but there are definitely affordable areas outside the big cities. Plus, no state tax on Social Security!
@V.stones2 ай бұрын
True, that's a big perk. And the weather is unbeatable. Hiking, surfing, wine country...California has it all!
@Robby7672 ай бұрын
Don't forget the earthquakes! Nature's a double-edged sword there.
@mariadrukker25572 ай бұрын
Earthquakes are a risk, but honestly, the fire season here in Arizona is getting out of control too. At least California has beaches to cool off at!
@CunninghamLegalАй бұрын
True! And California is very geographically diverse, so it really depends on where you're living. In some areas, earthquakes are a non-issue!
@77space-vt8wi23 күн бұрын
At present Canada is basically communist thanks to that French bozo recking the country
@howardtang18332 ай бұрын
I spent most of my adult life in CA but lived in TX, CO, VA, MA for work and traveled throughout the US. I decided to come back and stay in CA years ago and did not even realize a lot of these tax and financial benefits. Thank you Cunningham Legal for making me feel real good about my decision.
@StressLessFinancialАй бұрын
It’s great to hear that you’re feeling positive about your decision to return to California and that the financial benefits are a pleasant surprise! How have these benefits influenced your plans or goals for your retirement?
@howardtang1833Ай бұрын
@@StressLessFinancial more reason for me to stay in Cali!
@BarnabyBarry2 ай бұрын
I took my CALPERS pension and moved to Thailand!
@CunninghamLegal2 ай бұрын
That sounds like an interesting strategy! Thanks for sharing.
@sandybeach35762 ай бұрын
Good for you
@rogerngu8302 ай бұрын
I’m also retiring with CALPERS and moving out of California and oversea!
@Benzene752 ай бұрын
Here's a smart move. I'm planning to move to Cambodia when I'm retired
@tomprieto55742 ай бұрын
yeah!
@johncarlson64722 ай бұрын
I'm a lucky one. Live in Northern Calif. Decided decades ago after divorce to live way, way below my means and save and invest. The small city I live in is more affordable rent-wise and safe. Retired 4 years ago and living a level of freedom that can't be articulated, it has to be lived to be fully understood and appreciated. I answer to NOONE. No boss, no wife, no girlfriend. People ask how I've achieved my financial stability, and I reply, "I never re-married." Smiles!
@meilingbao24812 ай бұрын
Which city please
@CunninghamLegal2 ай бұрын
Thanks for sharing!
@seikocitizenwatches2 ай бұрын
Great place to retire if you are very wealthy. A median house price is north of 1 million dollars meaning you will need at least $10,000 per month aside for mortgage, property tax, insurance, utilities, water and landscape care. You also need at least $6000 per month for foods, health care supplements, entertainment, transportation, travel funds, restaurants, entertainment drinks. To sum it up, one needs $16,000 per month ($192,000) per year to stay in California and this is considered Middle Class Blue Collar living.
@CunninghamLegal2 ай бұрын
Using your data points, the median house price in California is $786,938. (even though the median home price in Tehema County is only $355K and it's even less in Lassen County @$224K). Per month, you'll only need about $5,759 to maintain the $786K (putting 20% down). And living a lifestyle where you were spending $6K a month on food, entertainment, and travel sounds great!
@jadebrady57602 ай бұрын
If you can make it in California. Don't leave because when you want to come back, you'll be priced out.
@aprildice54862 ай бұрын
I live on a lot less than that in CA. I live well on around $4 to 5,000 a month. My house is paid for.
@torsten67772 ай бұрын
You’re not a good retirement planner if you plan on having a full blown mortgage during retirement! I have no mortgage already before retirement and I love the cap on property taxes here in CA, meaning low property tax when I retire.
@Lee-up4bz2 ай бұрын
What? You don't need $16k per month to live in CA.
@richardlo48672 ай бұрын
Retired early in California, over 5 years now. Still thinking sometimes about going elsewhere. Like Phoenix, but friend said it was 119 F yesterday...I'm wimped out by our great weather.
@Lights_Darks2 ай бұрын
119! Not good if there is a blackout.
@venk7772 ай бұрын
Don't come to Phoenix. We don't need Californians here.
@SloGoatsGrazingServices-bb4zn2 ай бұрын
I live in California and Arizona. The heat in Arizona will only get worse. Arizona used to have inexpensive housing - not anymore.
@angelodgreat65612 ай бұрын
It is benefiting Social Security and will continue to benefit Social Security, but what we really need is immigration reform. With immigration reform, employers will now be required to comply with legal requirements, preventing individuals from receiving illegal payments and avoiding FICA contributions.
@FreemanJameZ2 ай бұрын
There are many friends who have supported my overseas retirement; in fact, I've become closer to some of them. However, I've always been a bit of a friend's guy; I work hard and believe that it pays off in many ways. In this case, it paid off with my retirement plan with my F.A. because I've received letters from people asking for support; you know, I've hidden where my wealth comes from, not being stingy but sincere.
@agentjacob40992 ай бұрын
Let's talk about that now. First of all, yeah, bureaucrats shouldn't have been doing this. Congress should have drafted the laws with more specificity so that the bureaucrats could merely carry them out. However, that wasn't the case, so the bureaucrats had to interpret the laws.
@angelodgreat65612 ай бұрын
For the love of God, could you kindly forward your pro? The lawsuit that the judge informed us about is appointed indefinitely, so they don't really care that we know they are accountable to us. They will pass legislation, Social Security, Medicare, and all the others must follow it.
@CoreyLloydo2 ай бұрын
flows of Molina and other companies going forward, and so I believe that's one problem right now. Revenue earnings did, in fact, eventually decline last quarter, falling by 1%.
@FreemanJameZ2 ай бұрын
Although it pains me to say it, *Leah* *Foster* *Alderman* is well-known; she is the ideal advertisement. ( CoreyLloydo ) This is why it has dropped so much; its relative strength is two, which indicates that only 1% of the market has outperformed this-oops, sorry, only 1% of the market has performed worse than this name over the past year. There is also no dividend here, and at $400 million, it is approaching micro cap territory. The technicals are awful.
@kortyEdna8252 ай бұрын
Am 58 retiring next year but the thought of retirement gives me weakness. My apologies to everyone who have retired and filing social security during this time after putting in all those years of work just to lose everything to a problem you never imagined to happen. It’s so difficult for people who are retired and have no savings or loved ones to fall back on.
@KaurKhangura2 ай бұрын
True, It has never been easier to understand how to build your money after retirement than it is right now with the inflation, when you may study and experience a completely variegated market passively by employing a successful portfolio-advisor. The impacts of the U.S. dollar's gain or fall on investments, in my opinion, are complex.
@kenster8652 ай бұрын
I'm a native Californian but have been considering a move to Prescott Valley or Kingman in Arizona. I can take the heat much better than cold weather! As I'm 72 currently, health care is a real concern. My medical is Kaiser Permanente and, frankly, they've been great. My out-of-pocket medical costs are ridiculously low. K-P doesn't operate in AZ., so I'd lose my medical for a time and that's a real concern. My biggest concern are the politics of CA which literally scares me. Anytime you have one-party rule you're eventually going to have issues. I'm convinced that our state legislature really hate the populace and are unconcerned with our well-being. Some of the newer laws they pass up there makes my head swim!! If the legislature's pendulum doesn't start swinging back toward the center soon, that may be the one thing that forces me to eventually get out. That may be made even more difficult as they are considering an exit-tax! Good Grief!! 😮
@mapoune12 ай бұрын
Kingman is a hole in the wall, Prescott Valley is much more desirable, so much to do , explore and make new friends, beautiful lakes and surrounding nature. I have property there. Kaiser is in Phoenix but maybe too far for you. Don’t sell your Ca property until you have rented for a year in AZ , this will give you time to experience the 4 seasons ( snow in winter in PV and warm summers in the 90s. Good luck 😊
@SloGoatsGrazingServices-bb4zn2 ай бұрын
Kingman is trash. Prescott is now little California. Consequently, housing is not inexpensive. Quality medical care outside the major metro areas will be difficult to locate.
@adesign37552 ай бұрын
I wouldn’t retire, meaning stop working. As soon as people retire they start getting sick, and deteriorating mentally. Best to work a part time and live a modest life. What a person does as a young adult will impact how you will live in the future. People throwing money on alcohol and cigarettes, partying is surely going to drain your pay fast. It’s not what you make but what you do with what you make! Live a modest clean life and you will be fine. Save money when you haves chance.
@CunninghamLegal2 ай бұрын
That's a very unique perspective!
@gazelle36352 ай бұрын
100% correct. Agree with you.
@StressLessFinancialАй бұрын
Your perspective on staying active and living modestly is insightful and practical. Balancing work with retirement can indeed support long-term well-being. How do you envision balancing part-time work with a fulfilling lifestyle in your own future?
@CunninghamLegalАй бұрын
@@StressLessFinancial Some people choose to work in retirement for a variety of reasons. Many out of necessity, and not just for the money. The Japanese concept of “ikigai” comes to mind. Ikigaki is defined by the Oxford dictionary as “a motivating force; something or someone that gives a person a sense of purpose or a reason for living.” For my late father-in-law it WAS working well into his 80s. For others, it may be something else.
@rockscrambler67002 ай бұрын
40 year Californian here. Gotta call BS on your great health care claim. Outside of OC county, the health care system has turned to shit. Hospitals are inundated with people and most them can't afford to pay. Consequently you only get good care if you can afford to pay out of pocket, and that's if you can get an appointment.
@palace9272 ай бұрын
UCSD Medical Center and Stanford University Medical Center are some of the best in the country.
@rockscrambler67002 ай бұрын
Like I said if you can afford it... The rest of us have to fight for scraps.
@rogerngu8302 ай бұрын
You’re right, for this and other reasons I’m leaving California in 2025.
@niecek.64732 ай бұрын
Loma Linda & Temecula Valley, come inland excellent health care 😊
@southeastoriginal56682 ай бұрын
@@niecek.6473agreed. Temecula/Murrieta has great healthcare system.
@MarcO-bp3ds2 ай бұрын
Born in California and retiring in California.
@PorscheSpeedster-kz6nc2 ай бұрын
Same here. Converting our 401k’s to Roth outside of California tax free and will move back to avoid inheritance taxes and get community property state with a full step up when a spouse dies. A good place to die compared to other states.
@69camaro192 ай бұрын
Me too.
@jRieg2 ай бұрын
Blah Ha Ha Ha
@speedwayman10022 күн бұрын
enjoy paying for all the illegals!
@lynnf165917 күн бұрын
@@PorscheSpeedster-kz6nc are you keeping your property in California or are you selling it, moving to convert to Roth, then buying another home in California when you’re ready to return?
@lisadiconti17 күн бұрын
Thanks for this video. I am a retired teacher living in California. I am rethinking my plan to leave California.
@CunninghamLegal13 күн бұрын
You're welcome. Thanks for having an open mind!
@marlajones262 ай бұрын
I'm a native Californian and retired. I can't afford to rent a home, let alone a studio apartment. I can barely afford food and have to go to the food bank on a regular basis. The cost of living even in rural areas is horrendous. Come to California if your retired and single your gross income needs to he at least $113,652 annually in order to live your best life.
@mm6692 ай бұрын
SF Bay area native here and I agree, $113K is needed if you are single and don't want to watch every penny. I make $82K but can only afford basic needs. My entertainment is limited to walking and enjoying the beautiful neighborhood, public library, and volunteer work. I can't accept casual lunch dates with friends, happy hours, dinners, concerts, movies, weekend wine tasting or plays like I use too. $113K is needed for that.
@Justaguywithtruth2 ай бұрын
California Sucks, Move to Huntsville, Alabama. Great Area..😎👍
@CunninghamLegal2 ай бұрын
I completely understand if you are happy and have a love for the Bay area (or a love for nearby family), but it might be worth looking into other nearby California counties! California is MASSIVE, even larger than some European counties. Here is a list of some of the most affordable counties in CA: www.kiplinger.com/taxes/cheapest-places-to-live-in-california
@marlajones262 ай бұрын
@@CunninghamLegal I live in Trinity Co.
@zerozerop-xv4yb29 күн бұрын
@@Justaguywithtruth I hate rain, hail, tornadoes, floods etc. l am well adjusted to earthquakes. l will remain in California.
@icucmerc2 ай бұрын
Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security.
@MA-KEJointVenture2 ай бұрын
People dont understand that the prices of things are never going back down. This inflation is deeper than we think. Those buying groceries are well aware that the real inflation is much over 10%. The increments dont match our income, yet certain investors still earn over $365,000 in stocks and assets. Wish I could accomplish that.
@katiekilbo2 ай бұрын
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
@vanillatgif2 ай бұрын
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
@amytuttle16212 ай бұрын
Thanks for the info. I'll reach out to him immediately
@mfmcintyre2 ай бұрын
His reputation already speak for him $150K last Month.
@timleets29 күн бұрын
Thoroughly enjoyed the video. Native Californian nearing retirement. Thanks for getting to the real info versus the "move to a low cost state" mantra.
@CunninghamLegal26 күн бұрын
Glad you enjoyed it! There's a lot more to consider when it comes to where you live other than how much it costs.
@ryanretirement66622 ай бұрын
I live in California for 26 years i move to Neveda last year to retired. Because California have too many crimes and homeless people everywhere. Neveda don't have state income tax when i sell my investment. Neveda don't have health insurance panelty fine when i don't buy health insurance.
@CunninghamLegal2 ай бұрын
The taxes in Nevada can be very advantageous. Because you are in the retirement period of your life, health insurance may prove to be necessary, and I'd like to encourage you to check out this video: kzbin.info/www/bejne/fZmbe3mgmr-Mr6M
@aerisgainsborough1102 ай бұрын
The Health Insurance Mandate should be a reason why people SHOULD NOT be moving to these states (it's not just California,) because said "you must have this, or be taxed," type of policy, is just bad policy. If biteme (or any democrat) wins in 2024, the Health Insurance Mandate will sadly return, at the Federal Level, which means that no matter where one lives in the USA, a living human being MUST have terrible Heath Insurance, or be taxed. Nevada dodged a big danger, by not having Sisolak as governor, unlike California.
@jamster77712 ай бұрын
I retired in Crescent City, CA from the military at age 38. I teach for a college in Oregon. I really love the beauty of this area but feel like an idiot for retiring here every time I do my income taxes, pay for my car registration, or have to deal with the tax assessor trying to reassess every time a contractor pulls a permit for something. And don’t get me started on the politics. I was a WA resident before I retired and got accustomed to no state income taxes and $200 car registrations (which are now $700). I frequently consider relocating, but haven’t been able to give up the natural beauty and great coastal climate yet. This video helped me feel less like a financial idiot for staying here, but I’m still interested in alternatives!
@CunninghamLegal2 ай бұрын
From my experience, California is really hard to beat! Oregon has an aggressive estate tax (10-16%) for any assets over $1 Million, so that is definitely something worth considering.
@WebDesignSocal2 ай бұрын
Just fyi Jim, the Golden Gate bridge isn't "natural" beauty. Men built it. It's "man made".
@CunninghamLegal2 ай бұрын
Yes, you're right. It's still beautiful, though!
@Justaguywithtruth2 ай бұрын
Oakland education system teaches it's Man-Made💩📕🤡🧐🤣😂
@rfletcherrfletcher2 ай бұрын
I use to live in California. Not any more. It is the last place I would ever considering retiring.
@CunninghamLegal2 ай бұрын
I'm sorry to hear that!
@torsten67772 ай бұрын
You should watch this video! It’s not just the most beautiful state, but also has so many advantages over other states!
@cherlgolja54022 ай бұрын
I love Northern California for over 40 years! 🇺🇸❤
@CunninghamLegal2 ай бұрын
That's wonderful. Thanks for sharing!
@Justaguywithtruth2 ай бұрын
That's not California up there, that's Reality with Conservative Good People, Should be separate😎👍
@rebecksbecker14932 ай бұрын
1% of $800,000 average cost for 3/2 = $8,000 increases by 1% each fiscal year. The gas $6/gal. Nuts $10 8oz. can. A chicken burrito $12. Today is 7/6/24.
@CunninghamLegal2 ай бұрын
Sadly, inflation is real. This is why, over time, California’s Prop 13 1% assessment (plus a 2% annual increase) becomes an increasingly valuable property right and hedge against inflation in California.
@raymonddee10592 ай бұрын
natures good , except politicians
@dermoplast2 ай бұрын
I have a house in Silicon Valley that I would like to rent out when I retire. Given how California laws favor renters and evictions are difficult; I may just have to cash out and think of taking my plans to another state. I agree with much of lifestyle pros but cost of living (gas,groceries,dinning,insurance etc) is a retirement killer.
@mk5002 ай бұрын
My father in law has rented out his properties to cover his retirement for decades here in the Bay Area. It’s really not a problem. Just talk to the renters and get to know them before renting. Find families who have ties to the community and give them a bit below market rates. They will likely stay for many years; maybe decades. Treat them well and you won’t have to worry about evictions. You are worried about rare situations.
@mk5002 ай бұрын
Gas and insurance are easy to deal with. Don’t buy the fanciest gas guzzling new Audi. Instead just buy a few year old Prius. It will sip gas, insurance is dirt cheap, it’s comfortable to get into and out of, and easy to park. We recently moved a queen size bed frame in ours for our guest room! (Hatchback for the win). And there are lots of great inexpensive restaurants all around. You just have to get into the cool neighborhoods and visit where the locals eat. I feel like a lot of people who have money problems in California are just terrible with financial planning, and will likely have exactly the same problem when they move to Texas or Tennessee. We live in SF and I do not think we spend as much on the items you listed as our friends in Austin; because we know where to shop. We live well on fresh produce from the local market.
@toshibamouse602 ай бұрын
For rental, it pays if you screen your tenants. I screen my tenants myself and manage my rental properties for many years and I have no issue with tenants. For groceries, etc., it's inflation and it is not just Cali but global. For gas, I switch to EV. Insurance is ok. If u move to say Florida, you get hit with super high insurance. So big picture, I chose to stay. best place to live, and to me it's heaven on earth.
@torsten67772 ай бұрын
I do rentals full time in CA. You can get really good tenants in California if you provide them a nice modern updated place. I haven’t had an eviction in many years. My rentals in other cheaper states have more problems, even with more landlord friendly laws.
@Justaguywithtruth2 ай бұрын
Squatters rights, sell it and move to a Real State🧐🤔🤨👍
@lettruthprevail98202 ай бұрын
The assessment can go up 2%, not the taxes. My taxes went up more than 2% when my city instituted a large increase in water/sewer charges on the tax bill. If prices go down, you can appeal your assessment. I was told my mom couldn't get Medi-Cal and she made less (she died in 2022). I also think the facilities that take Medi-Cal are limited and probably not too good. Thank you for the video. You pointed out several things I didn't know. Texas 3% tax, ouch.
@CunninghamLegal2 ай бұрын
Thank you for your comment. This is true that your “base year” value that the “1%” is based on can only increase 2%. However, each area in California can tax property beyond the 1% if such taxes are lawfully passed. These include municipalities, counties and other districts that are not the “State of California.”
@cynthialeech25072 ай бұрын
I'd rather be poor and live close to my grandkids in California than be rich anywhere else.
@CunninghamLegal2 ай бұрын
Absolutely!
@catalinacatg88612 ай бұрын
And that legit reason is why seniors are moving here. Unless it is the "takers" to take advantage of the $ giveaways.
@TheSUale2 ай бұрын
Same here. Family is important as one ages.
@danielalexander7992 ай бұрын
Retire in California ? I wouldn't even fly over California on my way to somewhere else.
@torsten67772 ай бұрын
Sounds like you live in one of those cheap undesirable flyover states.
@Faben2022 ай бұрын
You’re the one missing out on California’s natural beauty if you’re not visiting. It is not missing out on you.
@denovo092 ай бұрын
Up until recently, I was dead set on moving to Henderson/Summerlin, NV in 14 years at age 60.5. Then I kept reading about how bad the healthcare system was there. Now I'm thinking it's not such a great idea to move from a quality healthcare city (San Diego) to one of the worst during a time when I'll increasingly need healthcare more. So I'm thinking I'll stay.
@CunninghamLegal2 ай бұрын
Healthcare is a critically important consideration!
@BaskingInObscurity2 ай бұрын
Great video. For all the hardships of subsisting on SSDI, it's worth it to me because of the Medi-Medi care, full variety of healthcare services available for my chronic psych and physical needs. I grew up and have lived here most of my life, so I'm accustomed to the natural beauty, diversity of people and their cultural contributions, diverse cuisine options and fresh foods galore, the social commitment to and respect for education, and a friends network I would be loath to abandon, even while many of my dearest have moved elsewhere to raise families and nearly all my family in the region died off.
@CunninghamLegal2 ай бұрын
Healthcare is incredibly important! Thank you for leaving a comment with your favorite things about California.
@homecameraroll20 күн бұрын
Good eye opener for ca residents to stay for a long haul ! Thanks for sharing !
@CunninghamLegal13 күн бұрын
You bet. Thanks for watching!
@FirstHillSeattle2 ай бұрын
I decided a long time ago I wasn’t going to move just to get no state income tax. It’s not worth it to me to live somewhere I won’t like as much as California, especially since our income tax is already in my budget and I’m used to it.
@CunninghamLegal2 ай бұрын
Good for you! I'm happy you found a way to make CA work.
@mariyaterzi73642 ай бұрын
Beautiful climate 🙄 110 degrees for 15 days straight in Sacramento
@Mike-cv7hv2 ай бұрын
It was 68 on the Monterey Peninsula
@delayedgratification5812 ай бұрын
110 F isn't ideal obviously, but it's mostly unbearable in the afternoon only (try to stay inside with AC). In Texas and Florida I believe it's the whole summer, 24/7 heat WITH humidity.
@jml95502 ай бұрын
110 is not the norm here. We hit 104 in some areas in the Bay Area and this is rare occurrence.
@mariyaterzi73642 ай бұрын
@@delayedgratification581 it would be nice to stay home and AC 24/7. Got to work
@MrDennis0522 ай бұрын
It was 78 at La Jolla.
@BradVaughn2 ай бұрын
One of the benefits from Prop 13 is being able to take your property tax base with you when you move to another property after the age of 55. I have not yet taken advantage of this, but I am keeping this in mind.
@CunninghamLegal2 ай бұрын
That's great!
@mapoune12 ай бұрын
Fire insurance is very expensive in foothills and mountains and becoming not available .
@CunninghamLegal2 ай бұрын
That's true- fire insurance can be a problem in the more rural areas. That's why California introduced California Fair Plan: www.cfpnet.com/
@mapoune12 ай бұрын
I have California fair does not cover liability , strictly fire and for a lower value that would not cover cost of reconstruction. I just read that they have more claims than their funds can cover.
@nancyferrari67432 ай бұрын
This is not only a rural area problem. CA has designated certain zip codes that don’t even have hills near them and are cancelling and doubling homeowners insurance policies. People have to remove shrubs and trees within 5 feet of their homes. It’s ridiculous.
@purplesprigs2 ай бұрын
Look into Lake Ashton (Winter Haven & Lake Wales, Florida). Absolutely amazing. Less expensive homes, MUCH lower taxes, beaches, theme parks, golf 365. We have people here who came from California and and so happy that they did.
@davecomstock95442 ай бұрын
I've lived in California most of my life, so I already knew most of the things in your video. However, the Medi-Cal information was extremely interesting. My wife and I plan to retire in our current house in just a few years, and I thought we probably wouldn't benefit at all from Medi-Cal, since our income would be too high. But since a significant portion of our income is from 401Ks, if we take the RMDs in December, then it sounds like we potentially could benefit from Medi-Cal for the first 11 months of every year. That would be huge!
@CunninghamLegal2 ай бұрын
This is a rather new development in California and should benefit many people.
@mitchcollins58402 ай бұрын
This was excellent, thank you.
@CunninghamLegal2 ай бұрын
Glad you enjoyed it!
@larriveeman2 ай бұрын
Uh no, I want to leave
@debbiemyers70362 ай бұрын
Me too. Hate this place!
@cf70452 ай бұрын
Beautiful place to live, but it’s damn expensive. BUT I do love the diversity of people and the beach and the mountains and the WEATHER!!
@CunninghamLegal2 ай бұрын
Agreed!
@thelawnranger184Ай бұрын
I think what you're saying is- California is a good place to retire IF you already live here and own property in an area where property values have gone up and are valuable. I grew up in San Gabriel Valley. I couldn't afford to live there now without selling my current property. I now live in a valuable area of San Bernardino County where home prices (07/24) are higher than I would pay, but many rural areas in California are affordable still today, especially when you price in, as Cunninghamlegal has pointed out, the climate and AMAZING natural beauty California has. To me, it is pretty priceless. I've never lived anywhere else so I'm not one to compare, but waking up to the sun, beautiful mountains, weather that calls you outside, beaches, rivers... How much is that worth? I'm blessed where I am, not letting our crappy politics kick me out, and have no plans on leaving.
@CunninghamLegalАй бұрын
California is a great place to live! I'm happy you're here to stay.
@gracechan2538Ай бұрын
So appreciated for your information 🙏
@CunninghamLegalАй бұрын
Thank you!
@reneeferreira32182 ай бұрын
I literally thought this video was going to be a joke…..he’s actually serious 😂😂😂😂
@CunninghamLegal2 ай бұрын
Of course! Although it may not be perfect, California is a pretty great place to be.
@tomroelofs99352 ай бұрын
Thank you . This is what I thought of.you confirm it.
@CunninghamLegal26 күн бұрын
Great! Thanks for leaving a comment.
@cf70452 ай бұрын
Beautiful place to live, but it’s damn expensive
@CunninghamLegal2 ай бұрын
It can definitely be both of those things!
@danielpadilla3862 ай бұрын
Enjoyed listening to why California is a great place to live and better to retire in. We love it here!!!!!
@CunninghamLegal2 ай бұрын
That's great! Thanks for sharing.
@stanmarcusgtv2 ай бұрын
they told US that we didn't need to make English the official language by legislation because that was crazy to believe any other language would be used - THEY LIED over 100 languages is a reason CA has one of the worst public school systems in the country
@mk5002 ай бұрын
I think our school system is great. My daughter attended CA public schools and just graduated. She was able to learn Japanese throughout grade school and could speak and read when we visited Japan. She attended an arts high school, again public, which enriched her creative side with theater, costuming, and music education. Now she thrifts clothes and sews amazing outfits. But she also was able to take AP classes in Calculus, History, Environmental Science, etc. She got into a great college. And none of her schools banned books or limited her access to our great libraries. Our diversity is our advantage! Being multi-lingual (English + another language) has been proven to improve cognitive skills. That’s how it is in California. We are preparing our kids to be leaders and thrive in a world of 8 billion diverse people.
@stanmarcusgtv2 ай бұрын
@@mk500 CA schools are ranked at the bottom in aggregate - FL is ranked at the top
@rockscrambler67002 ай бұрын
40 year Californian here. You're either lying or you've lapsed back into the eighties. Either way you shouldn't be posting.
@tomallen58372 ай бұрын
What are you smoking? just because flyers from the state come in 120 different languages doesn't mean they teach anything but English in the public school system. I have two children going through the public school system, including College. Please step away from those who are ill advising you.
@stanmarcusgtv2 ай бұрын
@@tomallen5837 lol
@ROUTE_8882 ай бұрын
I live in SF 165k/yr with 3 cats they’re my children $500+ for cat food and pet insurance and the rest go to bills rent food 10% for giving to others, fresh produce is a plus and great weather, minimalist lifestyle, its still paycheck to paycheck. I visited Oregon, Texas, NM I still came back to CA it’s so beautiful and the spiritual energy is amazing!
@CunninghamLegal2 ай бұрын
Thanks for sharing!
@HeritageWealthPlanning2 ай бұрын
28:00 is reimbursement amount based solely on the probated estate or the entire estate? Thanks!
@CunninghamLegal2 ай бұрын
If there is a “formal” probate in California, the State of California is entitled to reimbursement from the probate estate.
@DonaldMark-ne7se2 ай бұрын
This is my fifth year after retirement. I’e been following the 4% rule thing I saw on a youTube channel, but this isn’t really how hard I expected things to be. After I cashed out a lump sum, I still have about $760k left, but at this rate, and with how the market is (we were putting money away in an index fund), I’m starting to get really worried.
@PitcockRoth-98762 ай бұрын
Not a lot of people are able to save that much in a lifetime. But now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
@CunninghamLegalАй бұрын
You can contact CunninghamLegal if you are looking for a referral to a financial advisor!
@69camaro192 ай бұрын
Born and raised in Norcal, love it.
@CunninghamLegal2 ай бұрын
That's great! Thanks for sharing.
@ojaghian2 ай бұрын
Very informative, Thank you
@CunninghamLegal2 ай бұрын
Of course! Thanks for watching.
@greggpurviance72522 ай бұрын
No way. Grew up there. Never ever going back.
@CunninghamLegal2 ай бұрын
I'm sorry to hear that!
@greggpurviance72522 ай бұрын
@@CunninghamLegal you gloss over the disaster that is now CA. Diversity. Sure, but all the political power is on the coast & you know it. There is an upper class (including retirees with great pensions) & a poor class. The middle is non-existant or screwed. The geography is great. Some of the best in the world.
@lauriestrong99722 ай бұрын
Bakersfield?
@jeffbreazile4112 ай бұрын
At what estate value does it make sense to hire your firm for legal services related to estate planning and tax planning strategies?
@CunninghamLegal2 ай бұрын
Typically, estates with over $1M+ in Net Worth (all assets including retirement accounts, investments, real estate, etc.) see the most benefit from the tax planning that we are able to do with estate planning strategies. But avoiding probate is one of the key factors for creating an estate plan!
@OldsmobileCutlassSupremeConver2 ай бұрын
Actually I have Sharp health care. They are not any good.
@CunninghamLegal2 ай бұрын
I'm sorry to hear that you are unhappy with your provider. Here are some resources to find other healthcare providers in California: www.healthforcalifornia.com/covered-california/health-care
@GearMaven17 күн бұрын
Change! There are great health insurance plans in California and such a variety for any need or income level.
@JamesBond-pm2lo2 ай бұрын
LOL California is a fantastic state to retire only when you have lots of.. I mean lots of money.
@CunninghamLegalАй бұрын
That can sure help!
@dillonreeve2 ай бұрын
How many people just came for the comments. Hahaha!
@CunninghamLegal2 ай бұрын
It seems that retiring in California is a highly controversial topic!
@donnajoyvigil1572 ай бұрын
No asset test for Medi-Ca is crazy!!!
@CunninghamLegalАй бұрын
It certainly is an interesting change!
@SuzCGee2 ай бұрын
Thank you for this information! It makes me proud to be a Native Californian ✌🏻
@CunninghamLegal2 ай бұрын
Me too!
@Justaguywithtruth2 ай бұрын
🤖🎪🧐🤔🤨😂👍
@theexponent38342 ай бұрын
After watching your channel (your first episode on this same topic), I've reconsidered and I think it does make sense. Besides I LOVE CALIFORNIA. 😊
@CunninghamLegal2 ай бұрын
That's great to hear. California is a great place to be!
@ManinaHarrisАй бұрын
Thank u!
@CunninghamLegalАй бұрын
You're welcome!
@murkri87232 ай бұрын
Mild climate?! A high of 115 in Fresno today. California is burning up. Water could become a problem in most areas. Oh, the earthquakes!! California probates are also very expensive which means you need to get a lawyer involved to create trusts etc.
@CunninghamLegal2 ай бұрын
California is one of the few places where five major climate types occur in close proximity. In CA, the Desert, Cool Interior, Highland, and Steppe climates border a small Mediterranean climate. This makes it very diverse! You are absolutely correct about needing a Living Trust or some kind of Estate Plan to avoid California's expensive Probate process!
@freshtapcoke2 ай бұрын
Left out if you like high crime but want a warm, dry climate. 😊
@CunninghamLegal2 ай бұрын
I think you'll find that crime rate varies greatly by county and encourage you to take a deeper dive into the statistics: www.ppic.org/data-set/crime-rates-in-california/
@vmobile8902 ай бұрын
You have to pick by crime stats then the home . Also weather will vary many micro climates easy to pick best weather . And location in the middle then 2 hour drive to the snow or ocean .
@michaeljohnson7632Ай бұрын
I went to europe for two years, it was awesome
@CunninghamLegalАй бұрын
Great to hear!
@liangang86272 ай бұрын
IRS do tax you on social security income and yes State of California do not tax on social security income
@janiegolden53382 ай бұрын
The Golden State is my love ❤
@CunninghamLegal2 ай бұрын
I'm happy to hear that!
@mims25822 ай бұрын
Great video
@CunninghamLegal2 ай бұрын
Thanks for the visit.
@theodoreresultan3312Ай бұрын
Retirees love indian gaming casinos! Taking my Elderly mom every week casino hopping in northern California: Cache Creek, Thunder Valley, Red Hawk, Graton. Food is great!
@CunninghamLegalАй бұрын
That sounds fun. Good luck!
@kevinsmith4559Ай бұрын
Great video! One thing I think worth mentioning is the Capital gains tax on sale of home with the $500K exclusion at Fed and State level. Works in your favor if only $500K gain but against you heavily if the excess gain triggers your income to move up several brackets and thus you can be paying another 9-12% on the excess gains on the CA side. Not uncommon for a house bought at $350K and sold at $1.5M. That severely taxed cap gain portion above the $500K exclusion in this scenario is $650K which gets hit already at 15% and then a portion at 20% by the Feds and the gain automatically throws you into the 9.3% California tax bracket without even considering other income so you may jump into the 10.3% pretty easily.. this was based on joint tax tables 2023. Maybe a video would be good on CA gets you on this on, eating away your Cap Gain profits. Additionally there are a series of “Transfer” fees when selling at the State, County and sometimes City level that further eat away on the gains of a real estate sale. Don’t know how this all compares to other states with similar income tax ranges so your mileage may vary in that case. Hopefully I stated all this correctly here.
@CunninghamLegalАй бұрын
Broadly speaking you are correct, each real estate transaction has to be evaluated on a case-by-case basis. Often. People have a loss carry-forward that can also mitigate the tax bite. We will be covering strategies in a future webinar.
@SGPhil59718 күн бұрын
@@CunninghamLegalthank you, we’re planning to go back to our CA home, selling our vacation home in SV to buy another one in Orange County. Have been searching for 121 exclusion information. Thanks
@CunninghamLegal14 күн бұрын
@@SGPhil597 Congratulations!
@masoncnc23 күн бұрын
Homeowner's insurance is $6000 for a 1400 s.f. house, lol
@CunninghamLegal23 күн бұрын
Unfortunately, this is not uncommon. Is this in California? I know that Florida is having the same insurance issues as well.
@masoncnc23 күн бұрын
@@CunninghamLegal yes Kali. Trying to sell my house and buyers are getting scared with all the costs
@GearMaven17 күн бұрын
Depends on the area.
@Sword_of_justice1032 ай бұрын
Lmao!!!
@logicalblueberryАй бұрын
Washington has the highest death tax? What if a Washington resident dies in another state? Is the tax based on where you die or where you reside at the time of death? I'm guessing it's the state of residence that matters. So many factors to consider.
@CunninghamLegalАй бұрын
Generally, it is where you live (residence) that determines state death tax, as well as presence of property in that state. Sometimes “intangibles” are excluded from property. This means that if a California resident owns a commercial property in Washington State, if the property is held by an LLC and not in that individuals name (or their trust), it may be possible to avoid Washington State death taxes.
@kay2032 ай бұрын
Interesting that some arguing for California for retirement. Looks like cost of living is the biggest risk but if you can bear that, the weather, food, and everything else seem pretty good
@CunninghamLegal2 ай бұрын
California is beautiful and culturally diverse. It comes with a cost, but to many, it is well worth it!
@happyfool22772 ай бұрын
Can you find me an affordable house? Lol
@CunninghamLegal2 ай бұрын
Sure, take a look in these beautiful California counties: www.kiplinger.com/taxes/cheapest-places-to-live-in-california (Rural areas of the state generally offer more affordable living than highly populated areas)
@zacknelson89182 ай бұрын
@@CunninghamLegal But not in the mts where fire insurance is so high you can't afford to buy a house, you will have to live in the valley or the desert, where it's so hot just move to az or nv at that point
@lisadiconti17 күн бұрын
@@CunninghamLegal The problem with these areas is they are isolated from good health care.
@kelly5049Ай бұрын
Wait, prop 13 was/will be replaced by New one(49?) that nullifies that savings, right?
@CunninghamLegalАй бұрын
Prop 13 is still the law of the land. You might be thinking about Prop 19 which gave some property owners more flexibility in transferring their Prop 13 taxes to a replacement residence. Prop 19 did take away the broad parent-to-child reassessment exclusion. You can watch one of our recent videos on Prop 19 here: kzbin.info/www/bejne/nYG9gqKkhrJrqKs
@smnair0572Ай бұрын
If a CA resident moves to India to retire, do they pay Social Security taxes as per CA rates?
@CunninghamLegalАй бұрын
California does not tax social security. The Federal government does tax a portion of a social security benefit based on the total amount of income. It is US (Federal) sourced income, which is typically subject to US (Federal) taxation. Because we are a law firm based out of California, USA, I can't comment on the taxation in India.
@delayedgratification5812 ай бұрын
My biggest issue is how California taxes state pension and all investments, including 401K and taxable accounts. Anything I can do, other than converting as much 401K to Roth IRA as possible?
@CunninghamLegal2 ай бұрын
Yes, there are many options. This is why for many clients we recommend a team approach, using an A-Team structure. This is an approach where your savvy estate planning attorney works closely with your Certified Financial Planner and CPA to craft a customized, multi-year strategy to minimize overall taxes and maximize the creation and preservation of personal and intergenerational wealth. Ascent Wealth Management has been on many of our videos and I would encourage you to look at those and set a time to meet with them: www.lindseyandlindsey.com/ascent-wealth-management
@logicalblueberryАй бұрын
Thank you so much! Is it really good to be in a community property state if a spouse dies? I thought it was a disadvantage because in a community property state, spouses are liable for their spouses medical debt. If a spouse has high medical debt, isn't it best to move to a non comunity property state before the spouse passes away? We have friends here in CA and one in WA who are paying off huge medical bills because their spouses had cancer. I would be interested to know how they could have avoided being saddled with this responsibility. Thank you.
@CunninghamLegalАй бұрын
When it comes to debts, the rules are different among the states. California tends to be more creditor friendly than other states. Each of us needs to evaluate our individual needs when deciding where to retire. This includes debts as well. Thank you for your comment!
@rudeman1914Ай бұрын
Social Security does get tax. It’s called 1099 as income still need to file and pay Tax.
@CunninghamLegalАй бұрын
It is true that Social Security is subject to payment of federal income tax. Our discussion centers around state income taxation of Social Security Benefits.
@GearMaven17 күн бұрын
He referred to STATE income tax throughout the video NOT federal.
@talldave7799Ай бұрын
I became curious about your claim that California State colleges offer Tuition-Free classes!! I checked with Cal State Haywarrd and they said they offer NO discounts to seniors let alone FREE tuition! In fact, the Over 60 Program has been killed since the Fall of 2012! I would suggest you fact-check your slides more often than once every 2 years!
@CunninghamLegalАй бұрын
Education Code 89330 authorizes the popular Cal State system to provide free tuition for senior citizens. Each campus must grant tuition waivers to California residents aged 60 and older. Waived fees include those for tuition, applications, health services, and instructional-related activities. Seniors can enroll in regular-session, undergraduate-level courses in subjects such as art, the humanities, agriculture, and computer studies. Here's the legal code: leginfo.legislature.ca.gov/faces/codes_displayText.xhtml?lawCode=EDC&division=8.&title=3.&part=55.&chapter=3.&article=4 (and here's the link to the information on CalState.edu: www.calstate.edu/attend/paying-for-college/csu-costs/tuition-and-fees/fee-waivers/Pages/other-fee-waivers.aspx)
@Ambassador055Ай бұрын
How does “Granny” qualify for Medical with $3M in assets?
@CunninghamLegalАй бұрын
“As of January 1, 2024, Medi-Cal will no longer count assets to determine eligibility. This means that anyone, regardless of how much they own, may receive Medi-Cal benefits, including: Individuals in skilled nursing or intermediate care facilities or those who qualify for home and community based services; People who are 65 or over, blind or disabled; Low-income persons with dependent children; Children under 21; Pregnant women SSI and other categorically-related recipients are also automatically eligible for Medi-Cal.” Source canhr.org/overview-of-medi-cal-for-long-term-care/
@Ambassador055Ай бұрын
@@CunninghamLegal interesting. Thanks for the info. As a Californian I pay $2600/yr for Long term insurance. Maybe I should cancel?
@facemakerable2 ай бұрын
san Jose Ca, not apply PRo .13
@CunninghamLegal2 ай бұрын
Please check out our Prop 13/19 videos: kzbin.info/aero/PLAoOpG0ejJDdbZcbpUSqTupNVvB6tG5M6
@visittavee7773Ай бұрын
Are we do have dead tax on propositions 19 ?
@CunninghamLegalАй бұрын
We have an entire playlist dedicated to Prop 19. Check it out!: kzbin.info/aero/PLAoOpG0ejJDdbZcbpUSqTupNVvB6tG5M6
@MariE-go7ol2 ай бұрын
I’m confused why Granny’s estate isn’t sold to go towards her SNF stay? In Ohio, we had to sell my mothers home and go through that money before she had no money then was placed on Medicaid. I am wondering if California only looks at savings, pensions and SS as pay outs.
@CunninghamLegal2 ай бұрын
If Granny were in California, the State only looks at the INCOME from those assets and not even the underlying assets anymore. For many years in California, a person who receives care in a skilled nursing care facility can keep a personal residence of any value and not have that counted against them for qualifying for public assistance benefits. You raise an important point that each state has its own laws. The upshot is that if you will likely end up on public assistance benefits, California can be a great place.
@josefraguas27689 күн бұрын
Your PRO list…is ummm come on!! Health care second to none??? Wow! Lmao
@CunninghamLegal9 күн бұрын
In California, we have some of the best doctors. We have Cedars-Sinai Medical Center in LA, which is nationally ranked in 11 specialties! We also have: Stanford Health Care, UCLA Medical Center, UC San Diego Health, UCSF Health, and UC Davis!
@jmv15112 ай бұрын
No idea why Illinois is bad for retirees. Illinois does not tax any retirement income.
@CunninghamLegal2 ай бұрын
According to TaxFoundation.org, Illinois has a 12.9% State and Local Tax Burden, which ranks the state 44th in Tax Burdens. Take a look here: taxfoundation.org/location/illinois/#:~:text=Illinois%20has%20a%20flat%204.95,tax%20rate%20of%208.86%20percent.
@KrysP1252 ай бұрын
Illinois has very high property taxes.
@gracebowman74682 ай бұрын
Did you say there is No Capital Gains in California????? Please advise Thank you
@CunninghamLegal2 ай бұрын
California does have a capital gains tax, but unlike the federal government, California makes no distinction between short-term and long-term capital gains. It taxes all capital gains as income, using the same rates and brackets as the regular state income tax. Here is additional information: www.ftb.ca.gov/file/personal/income-types/capital-gains-and-losses.html
@bonniegaither39942 ай бұрын
I love your Abel Baker, Charlie Delta. Sounds like you were in the military?????
@CunninghamLegal2 ай бұрын
Those are actually the names they use in law school to keep it consistent. I also use: Hal = Husband and Wanda = Wife!
@MrFernanrc2 ай бұрын
best thing is the food, it will take care of your retirement. if you have a few months or years to spare, go to another country to at least spend it with joy and happiness. The united states in general has always been hell while other countries are heaven, with friendly happy people who might not have jobs but they have humanity.
@CunninghamLegal2 ай бұрын
That's an interesting perspective. Thanks for sharing!
@marshallwise17632 ай бұрын
What About IRMAA in CA?
@CunninghamLegal2 ай бұрын
The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is an additional charge on the premiums for Medicare Part B (medical insurance) and Part D (prescription drug plans). This surcharge is imposed solely on Medicare beneficiaries whose Modified Adjusted Gross Income exceeds $103,000 for those filing individually or $206,000 for those filing jointly in 2024.
@fpanadero26262 ай бұрын
Hablo espanol?
@CunninghamLegal2 ай бұрын
Nuestro equipo habla español. Por favor, contáctenos en www.cunninghamlegal.com/california-law-offices/contact/ o llámenos a 866.988.3956 Nuestro abogado, Diego Alvarez-Miranda lo puede ayudar. Si gusta saber más sobre él, puede ver su bio en: www.cunninghamlegal.com/team/diego-alvarez-miranda/
@paultynan8705Ай бұрын
Im 64 working city job. 3%60 pension. 400k ira/roth. I plan on SS @67. I didnt know Ca didnt tax SS would be great if they didnt tax my PERS! I als only owe 180k on a 850k house trying to stay working till 66
@CunninghamLegalАй бұрын
That's awesome! Thanks for sharing.
@paultynan8705Ай бұрын
@@CunninghamLegal watching your distribution vid
@roncraft20422 ай бұрын
Yeah … that’s never going to happen 😎
@CunninghamLegal2 ай бұрын
To each their own, I suppose!
@alirE29042 ай бұрын
I pay taxes on my SS. That is 60% of my income. When state taxes were no longer deductible my taxes went up $900 thx trump. My home is almost a million, my prop taxes sre almost 6000. How do you get 7,k fo2 million? You didn't mention we get a living wage. In texas I couldn't even get a job offer without fringe benefits for the employer.
@unclefester65012 ай бұрын
What?
@unclefester65012 ай бұрын
California doesn't tax SS.
@stanmarcusgtv2 ай бұрын
you taxes are high because of dementia joe's party and newsom and co make it worse every year
@lukasfoo2 ай бұрын
The tax was based on 1% of the original purchase price of $500k plus 2% per year increase.
@mikepiper6077Ай бұрын
I lived in Rio Vista California. Made about 33 grand a year including overtime. Found a studio to Rent and was 500 a month that included utilities. Compamy provided transportation . However to buy something cheapest house for sale at the time 300,000 for a fixer upper. I asked a bank employee why eveyrhing in real estate was so high? She tried to talk me into buying the 300,000 house interest only loan for 6 months. Then she said in 6 months sell house for 400,000. I said it seems the prices were allready bloated to the hilt compared to where i came from and would not be surprised if the prices actually dropped in 6 months. She laughed!. She said i did not understand California. . The prices never went down in California. She said this with glee! This was 2008 just before the huge crash. . I moved out of state . Should have stayed.. The prices indeed crashed. Houses that were selling for 500,000 ramge were shortselling for 175,000. I regret leaving. Liked the weather. I worked outside taking care of natursl gas wells. But California employer changed the rules and did not let me have sundays off. So. I quit . Now retired in s e Utah, Have a paid off brick house across the street from where i now go to church. Also near grocery store, shopping and walking distance to most things. Mountain water and clean air. No traffic. Great cool summers due to high elevation but cold winters. Dont work outside other than shoveling snow to get car out of garage occasionally. Otherwise being next to the courthouse my street the first to get plowed. I may have bought one of those short sell houses if employer would have gave me at least one Sunday off. But have paid off house anyway and airport has free parking when i leave car their and fly to see other places. So worked out in the end. Loved my 2 years or so in California. Due to low cost of living in California rent and food wise did get to see a lot of California on day's off during the week.
@CunninghamLegalАй бұрын
Mike, thank you for sharing your story. I'm happy it all worked out in the end!