One tends to have a lot more constraints on where one can or would prefer to live when one has kids and/or is working age. Once the kids are out of the house a

One tends to have a lot more constraints on where one can or would prefer to live when one has kids and/or is working age. Once the kids are out of the house and you retire you can dump the expensive house in commuting range of a high-wage city in the excellent school district, buy one half as expensive somewhere with worse schools and farther from jobs, and pocket the rest of the money.