cancel
Showing results forย 
Search instead forย 
Did you mean:ย 

Ready to Live on the Road and Excited

Donna_Jean
Explorer
Explorer
Hello All, I just joined today so I am a newbie, I look forward to getting to know all there is to RV'ing. My husband and I are planning to retire in the spring, sell our house and buy a used 40+ Class A and live it in for at least 6 months or maybe longer. We are active and want to spend a lot of time out west in the national parks, hiking, biking and so forth. We live in MI now and plan to settle down in TN after spending time on the road. My big question is for those of you that have or lived in an RV without a residence how do you handle state residency. When we sell our house we will never live in MI again so i don't know what to do about things like drivers lic. taxes, voters registration, and so forth. I know we have over 6 months to figure this out but LOL i can't sleep at night trying to think how it all will work.
counting the days until Class A retirement
66 REPLIES 66

Donna_Jean
Explorer
Explorer
we love the water also, we think when we finish our full time adventure we will settle on Tellico Lake in TN, currently our boating has taken place just on the great lakes, Lake Erie, Lake Huron, and my favorite Lake MI, the water is so blue you think you are in the Caribbean. Boating and skiing is the main reason we have not done much sightseeing across the country so we are so ready to explore. We also don't have any children or grandchildren, some of our friends are so busy with grand kids now they can't seem to get away for very long

My husband has talked about getting an inflatable with an outboard, but i am not so sure that will be practical or possible to store in the basement of the bus, so i said lets wait on that a bit. We road bike and he is much better so we are thinking about getting a tandem bike, so much to store............... We have been to the RV show and a few dealers looking at used one, we both want the same floor plan so that's good. The sales guys at general RV said the MI show in Feb is really big and he will have tons of new trades then, we really are searching for just the right one
counting the days until Class A retirement

CA_Traveler
Explorer III
Explorer III
BTW We bought our first RV in 1983. We tend to keep things a long time and the current RV is our fourth. And 4 boats, the first having a cabin and being on a trailer that we'll haul to the lake for a weekend. We even slept in it along side the road one time. Those were the days.
2009 Holiday Rambler 42' Scepter with ISL 400 Cummins
750 Watts Solar Morningstar MPPT 60 Controller
2014 Grand Cherokee Overland

Bob

CA_Traveler
Explorer III
Explorer III
What a great plan. Make the best possible RV decision and go for it! Keep us informed.

We had boats on SF bay for over 40 years and water seems to attract us like a magnet. They were always our "Cabin in the woods". Atlantic, Pacific, Gulf of Mexico, lakes, rivers you name it.
2009 Holiday Rambler 42' Scepter with ISL 400 Cummins
750 Watts Solar Morningstar MPPT 60 Controller
2014 Grand Cherokee Overland

Bob

Donna_Jean
Explorer
Explorer
mobeewan wrote:
Check out Bob Wells YouTube channel cheaperRVliving. He has 4 videos for full-timers and nomads concerning State residency and using mail forwarding services.


thank you i will
counting the days until Class A retirement

mobeewan
Explorer
Explorer
Check out Bob Wells YouTube channel cheaperRVliving. He has 4 videos for full-timers and nomads concerning State residency and using mail forwarding services.

Donna_Jean
Explorer
Explorer
PartyOf Five wrote:
Without putting a damper on your plans, it seems like you're making a big lifestyle shift- without explaining why. That's your business and right, of course, but it raises an eyebrow for me- like Pianotuna.
I suggest smaller steps to downsize and sell between now and then. Do you need the Jeep right away or could you visit dear off-road areas the first year and be fine with the Camaro, for example. I think it's be a blast. Ditto for leaving MI- maybe buy a 2 bdr and use 1 for storage, and then you have a domicile and a home base to park toys that didn't fetch a good price. You can sell the smaller house in a couple years- or use it instead of TN, going south in winter with the RV.
There are so many ways to slice it, and plenty of people I've talked to only see 1 option, and then have hindsight.


I understand your thinking and thanks for the suggestions, friends have told us the same thing, but we are set on it. We are so ready for this change, for the last twenty years my husband and I have worked (ourselves/not hired) to the bone on a house we built on a lake, building decks, installing wood floors, insulation, seawalls, gardens,crown molding, paver brick patios, installing underground sprinklers, recently repainting the whole interior, plus finishing a 1500 sq ft basement with full bathroom by himself, the list goes on and on and never ends, now we have to deal with the clean up of 20 tall oak trees, it consumes most of the week end until into December, during this time he also built 4 large 800 HP engines for our offshore boats. Up until a few years ago he worked 58 hrs a week for 30 years at GM, thankfully he retired from there a few years ago and took another full time job, thankfully it is only 40 hours which LOL almost feels part time to him. We have a lot of equity in our house and he will fully retire when he turns 63 in May. It's hard to explain but we want a break from everything to do with owing a home. Even if we rent or buy a small one, which we thought a little bit about we would still have responsibilities, things like mortgage, utilities, outside maintenance, getting broken into etc. We are craving the freedom from home ownership and the ability to go where we want, and spend time together. Those that know Ian feel he will not have trouble with the RV because he is use to driving a big diesel truck pulling a 43"boat and we love staying in marinas, I assume campgrounds will be similar. We snow ski and have been out west probably more than a 100 times but not once in the summer so we cannot wait to do that and not be thinking about a little house somewhere. We both agree that the worse that could happen is we not like it, and then just come off the road sooner than later and either sell the RV or use it for vacations. The camaro will definitely be sold, it's a convertible and when Ian bought it in 2017 he planned to own if just for about 3 years anyway. LOL my husband is a motorhead, with tons of construction abilities so i think we will be good. Me I just can't wait to travel, meet new people, hike, bike, spend time with my little pup, and curl up with a good book at night, LOL i might even pick up trying to learn to knit again.
counting the days until Class A retirement

CA_Traveler
Explorer III
Explorer III
PartyOf Five wrote:
Typo: Visit *non* off-road areas
FYI You can just click on Edit for that post and modify that post.

If I make a significant change to a post I'll add Updated: text...

Also when a new thread is started the OP can click on the first post and edit the title.
2009 Holiday Rambler 42' Scepter with ISL 400 Cummins
750 Watts Solar Morningstar MPPT 60 Controller
2014 Grand Cherokee Overland

Bob

CA_Traveler
Explorer III
Explorer III
Good input above as it can be difficult to buy the "right" rig w/o any experience.
2009 Holiday Rambler 42' Scepter with ISL 400 Cummins
750 Watts Solar Morningstar MPPT 60 Controller
2014 Grand Cherokee Overland

Bob

PartyOf_Five
Explorer
Explorer
Typo: Visit *non* off-road areas
PartyOf5 appreciating our Creator thru the created. 5 yrsL 50k, 49 states & 9 provinces.

May you find Peace in all you endeavor.

PartyOf_Five
Explorer
Explorer
Without putting a damper on your plans, it seems like you're making a big lifestyle shift- without explaining why. That's your business and right, of course, but it raises an eyebrow for me- like Pianotuna.
I suggest smaller steps to downsize and sell between now and then. Do you need the Jeep right away or could you visit dear off-road areas the first year and be fine with the Camaro, for example. I think it's be a blast. Ditto for leaving MI- maybe buy a 2 bdr and use 1 for storage, and then you have a domicile and a home base to park toys that didn't fetch a good price. You can sell the smaller house in a couple years- or use it instead of TN, going south in winter with the RV.
There are so many ways to slice it, and plenty of people I've talked to only see 1 option, and then have hindsight.
PartyOf5 appreciating our Creator thru the created. 5 yrsL 50k, 49 states & 9 provinces.

May you find Peace in all you endeavor.

pianotuna
Nomad III
Nomad III
Hi,

I recommend you rent a 40 foot class A and go on a two week trip before you purchase one.
Regards, Don
My ride is a 28 foot Class C, 256 watts solar, 556 amp-hours of Telcom jars, 3000 watt Magnum hybrid inverter, Sola Basic Autoformer, Microair Easy Start.

KPetrick
Explorer
Explorer
I am the Director of Good Sam Insurance Agency. You can Google us and our website gives you all kinds of information about RV specific insurance. When you are ready you can call the 800#. You can't put an RV like what you are getting on an auto policy and get the coverage's you need like personal property and full time liability coverage. Take the time to read and educate yourself about the differences. Keith

Donna_Jean
Explorer
Explorer
KPetrick wrote:
Where your vehicle is registered is also going to impact the insurance on your RV. If you sell you home in MI you are going to need full timers insurance. This provides you the liability coverage you need that you once had through your homeowners coverage. Give us a call at Good Sam Insurance Agency and we can walk you through what you will need and give you some ideas on what states are less expensive. No obligation.


good point, I never realized there would be a difference between full time and part time insurance, we are a ways off but feel free to message me your contact info if you are an agent. LOL only half a day on this site and i have already learned a bunch.:)
counting the days until Class A retirement

KPetrick
Explorer
Explorer
Where your vehicle is registered is also going to impact the insurance on your RV. If you sell you home in MI you are going to need full timers insurance. This provides you the liability coverage you need that you once had through your homeowners coverage. Give us a call at Good Sam Insurance Agency and we can walk you through what you will need and give you some ideas on what states are less expensive. No obligation.

Donna_Jean
Explorer
Explorer
wanderingaimlessly wrote:
Choice of home state for domicile is more than just the health insurance. State income taxes, health insurances, vehicle plates and insurances, Vehicle/personal property taxes all come into play.
If you have spent a lifetime in one state, there are many differences you may not realize. Some states don't tax you for breathing, others do.
"Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming have no income tax โ€“ for any residents.Feb 25, 2019" also some dont require you to return annually for a vehicle inspection, South Dakota for example.
***Link Removed***
Look closely at the Domicile page for mail and residency info. And you dont have to use them, there are other mail services, But I point to them rather than trying to reinvent the wheel on covering the reasons and means.


you are right about the differences on taxes it's one of the reasons when we leave the road we will live in TN, they have no state income tax and they have low property taxes. They are almost phased out of tax called the Hall tax where they used to tax your investments at i think as high as 5% by the time we move there it will be completely gone. I am so glad for the links everyone posted, it will be so helpful.

Forgive me but I am so excited about what is to come that I can't help but talk about it all the time. But I loose sleep thinking about everything we have to do first. We have so many things to sell, a large house, two boats, a truck, a camero, hold an estate sale, rent a few storage units, buy a Diesel Pusher, buy a jeep. Oh and LOL did i tell you we have never spent even one night in an RV before. However my husband and I have spent 30 years towing and sleeping in cigarette style boats in marinas so I think I can handle a nice motor home. I get the say over the interior and my husband the engine, my big demand is it has to be a bath and a half.
counting the days until Class A retirement