Why the Plan Changes and Why I Couldn’t Be Happier About It

About 5 years ago, my BH and I had set our sights on owning a cottage. The reasons for this were myriad – we wanted a place for family to regularly gather on vacation, a place where we could get away from it all at any time of our choosing and, eventually, a place to retire away from it all. We were in love with the idea of a quiet, peaceful, lakefront existence. We often envisioned many of our golden years being as cottagers. We developed a strategy to reach our cottage dream that included how much we would need to save each year, where we would need to cut back, where we would keep our savings to maximize returns, and how often we would need to rent out the cottage to help offset some of the expenses. It was the perfect plan for us.

Until it wasn’t.

Sometime between the moment that we decided on the cottage and today, the plan received an overhaul. We no longer see ourselves owning a recreational property, splitting our time and money between two fixed locations. We do, however, see ourselves renting a cottage in the future whenever we get the hankering for a taste of that life. But cottage ownership is not something we are striving for any longer.

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