I had to tell you my situation. It wouldnt have been right if you didnt know. I have a good job, but its not a very hiugh paying job, but its better than most jobs. Since I'm going to be 60 next month, my retirement is in 6 years. This does not mean I will stop working. But since Im starting all over at this age, I couldnt think of mortgaging a home. If I can secure land, I will build us a small home myself. with my own 2 hands.