Should I Sell My House, Rent, and Invest the Equity?

A Guided AI Prompt to Help You Make a Confident Retirement Decision

Are you nearing retirement and wondering if it’s time to cash out your home, rent instead, and invest the proceeds?
You’re not alone.

For millions of adults over 60, the family home is their biggest asset—but it can also be a source of stress, maintenance, and financial uncertainty. This decision can feel overwhelming:

• Will renting give me more freedom—or create instability?
• What if I invest the equity and the market drops?
• How do I weigh the emotional comfort of home against financial security?

This tool helps you answer those questions with clarity.

🎯 What You Get

This AI-powered prompt template gives you a structured, thoughtful way to explore one of the biggest financial decisions of your life using ChatGPT or any advanced AI model. No fluff. No generic advice. Just a personalized plan built around your numbers, your lifestyle, and your goals.

💼 What’s Inside:

• ✅ A fill-in-the-blank prompt you can copy and paste into ChatGPT
• ✅ 5 examples for each blank to guide your responses
• ✅ Prompts tailored to uncover emotional, financial, tax, and lifestyle tradeoffs
• ✅ Real-world clarity—not just numbers, but what they mean for your future

🧠 Why It Works

This isn’t a lecture or a calculator. It’s a thinking tool—one that uses AI to walk you through the pros and cons of selling your house, switching to renting, and investing your home equity. It accounts for your age, your financial priorities, and your retirement timeline.

It helps you think through:
✔️ Monthly income and investment returns
✔️ Rent inflation vs. home maintenance costs
✔️ Emotional and lifestyle considerations
✔️ Tax implications, RMDs, and sequence of returns
✔️ Whether keeping the house is worth it—or holding you back

👤 Perfect For:

• Adults 60+ with little or no mortgage
• Widowed or single individuals planning solo retirement
• Couples preparing for a lifestyle shift or relocation
• People facing downsizing, unexpected expenses, or fixed incomes
• Anyone using ChatGPT or AI tools for smart decision-making