@bajamm -
Thanks, but I am not going to be retiring within that time anyway, so even if I am so lucky as to be able to convince my H to downsize, we will still be staying in NY. It’s fun to think about leaving snow behind. We were at dinner with another couple recently and the H said he wanted to move out of NY and he would just not file for FAFSA. I told him that he needed to really look into it because his kids also attend SUNY schools. I said any savings wouldn’t be worth committing a crime over.