Would it be a bad idea to take $500,000 out my brokerage $ to build my paid off dream house? I’d still have another house at $250,000 I could sell. $400,000 401k and $200,000 inheritance would be left. I could still be working for 6-10 more years and collect 2,000 plus in SS benefits for when the time comes. I believe my taxes/insurance would be about $500 a month.

I just feel life is too short, I’ve lost a lot of loved ones this year. I just want to go establish my dream house with beautiful view and not just get old and be bed bound without enjoying life. I’m 54. I have toiled and scraped most of my life. How much do I need in reserve to live in my dream house and get to retirement? It could always be sold if I had to move in with my kid or go to a care facility. I feel like if I establish it now and work on beautifying the property, the investment would pay off later as something my son could inherit. What do you think?