here is larry luxenberg. welcome to the show, good to have you here. what is the most common mistake folks who want that ideal second home make as they are retiring? >> people get too emotional and don't look at the big picture, they don't look at the total life in retirement and don't consider the financial aspects as part of their overall financial interests. gerri: they don't realize the cost of that home because they have a first home, they should know. the travel to the house, the upkeep can be more expensive taking care of the second home then the first home. >> everything about her house is more expensive than people expect. gerri: let's talk about snowbirds. if you are trying to get a smaller home, what do you want to avoid, what mistakes do you want to make sure you don't make. >> particularly somebody from the new york area or maybe northern california selling an expensive house and have a lot of money extra after they buy a house in the retirement area and have to invest it carefully where it can vanish very carefully with no trace. gerri: i