Not sure exactly how to maneuver around in this forum. I can't reply to each of you individually, so I'm attempting to reply to my original post, an "umbrella reply" if you will. Thank you so much for all of your replies and feedback, and especially for telling me what I need to hear. All of this is very valuable information for me.
So apparently I'm underfunded. I sure thought 20k would be enough for what I want to do. This is rather disappointing and I'm not sure what I'm going to do with it. Don't have a plan B in my pocket. I figured 10k for the initial purchase and repairs, modifications and additions. And 10k for everything else, including reserves.
Thank you for bringing up medical care, I think I'm pretty well covered here, with Medicare plus Medicaid. I just have to find out how portable Medicaid is between states.
Thank you very much, Frank