For many people, retirement planning focuses on savings accounts, investments, Social Security, and healthcare costs. Yet one of the most important retirement decisions often receives far less attention: where and how you will live during your retirement years.

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For several years, homebuyers often felt they had little room to negotiate. Multiple offers, bidding wars, waived contingencies, and homes selling almost immediately made getting the house the priority. Today, conditions have changed in many markets, giving buyers something they haven't had in a while: negotiating leverage.

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