Planning-Ahead: Jim and Linda’s Story of Change and Renewal
When Jim and Linda sat down years ago to create their estate plan, they had no idea that it would be the first step in a much larger journey of life planning. Like many couples, they wanted to ensure their affairs were in order and that their children would not be left to sort through a legal and financial mess. With a trust in place and powers of attorney completed, they had done something that only about one-third of Americans ever accomplish: they planned for the future.
But as Jim and Linda discovered, true planning goes beyond paperwork. It touches every part of life, from where you live to how you view your possessions and even how you and your spouse navigate big decisions together.
Facing the Reality of Home Ownership
For more than two decades, Jim and Linda lived in the home they designed and built. Like many long-time homeowners, they thought of it as “free” once the mortgage was gone. But a closer look at the numbers told a different story. Between property taxes, maintenance, insurance, and the constant little repairs, the house was still expensive. Adding in the physical effort required to maintain it, the reality was clear: staying put might not serve them well in the years ahead.
The emotional side was harder. After 22 years, their house wasn’t just a building—it was a place of memories. The thought of leaving stirred feelings of loss. Jim needed time to process that reality, while Linda was ready to move forward. Together, they worked through it, one conversation at a time.
Breaking the “Three to Five Years” Cycle
Like so many couples, the Cornwells had fallen into what they called the “three to five years” syndrome, putting off big decisions with the idea that they would tackle them later. At some point, Linda recognized that waiting was no longer wise. Senior independent living communities often have long waiting lists, and the right time to move is before you are forced into it by circumstance.
So they made a bold decision: list the house, prepare for change, and step into a new chapter.
Downsizing and Letting Go
As part of their transition, Jim and Linda had to face another truth: their children did not want their “stuff.” The sentimental items that meant so much to them did not carry the same emotional weight for the next generation. That realization helped them let go, piece by piece.
Their thru-hiking adventures had already taught them that living with less can bring more joy. Carrying everything you need on your back has a way of showing what matters. Downsizing was simply another version of that same lesson.
Choosing Community and Connection
In the end, Jim and Linda chose The Terraces in Harris Ranch as their new home. The location offered access to green spaces and foothills, but what mattered most was the community. They saw it as a place to connect, share, and continue building meaningful relationships.
Most importantly, they embraced the mindset of focusing on what they were gaining instead of what they were losing. That shift turned a difficult decision into an opportunity for renewal.
Listen to our Interview with Jim and Linda on the Senior Matters Podcast with estate planning attorney Mark E. Wight
🎧https://idahoestateplanning.com/podcast/
