Still don’t have enough? Downsize!
And choose again.

• Save your knees by moving from your fifth-floor walk-up to a one-bedroom co-op (with elevator) in the Trump Village retirement community in Brighton Beach (and add $450,000 to your cash reserve).

• Sell off the split-level in New Jersey and move into your kids’ place on Staten Island (add $540,000).

• Give up your four-story townhouse in Harlem and relocate to a condo in Jackson Heights (add $1 million).

• Sell your classic six on the Upper West Side and buy a one-bedroom in Murray Hill (add $2 million).

• Trade in the loft in Tribeca for a two-bedroom condo on the Williamsburg waterfront (add $2.5 million).

• Give up the Brooklyn Heights brownstone and settle full-time in the house in Sag Harbor (add $3.5 million).

• Realize your hips no longer warrant the ski-in-ski-out cabin in Aspen, so you limit yourself to the penthouse on Park Avenue and the cottage in Bridgehampton (add $5 million).

See Also:
Plan: Nailing Your New York Number

Real-Life Retirement Plans (And How Much They Might Cost)