<prompt> Human: My initial instinct is to use retirement savings pull out of Roth and savings to purchase a home in Arizona Arizona being where Id like to retire to a few years before retirement. While this would be a big hit up front, I wouldnt have any monthly housing bill to worry about in retirement. What do people do when they get to retirement and they dont outright own a home?  <response>: They take the money that they invested rather than spent on the costs of home ownership - mortgage interest, property taxes, insurance, and maintenance - and use the dividends and interest from that invested money to cover the cost of rent. 