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Is It Time to Rightsize? How to Know If Moving Makes Sense for You

For many homeowners in their 40s and 50s, the home that once fit perfectly starts to feel… a little off.
Maybe the kids are starting to move out or are going to college or university. Maybe you’re working remotely now and barely use that formal dining room. Or maybe you’ve built up solid equity and are wondering if your money could be working harder elsewhere such as funding travel, tuition, or investment opportunities.

If this sounds familiar, you might be at that in-between stage, not quite ready to “downsize,” but curious whether it’s time to rightsize.

Let’s talk about what that really means, what to consider before making a move, and how a simple two-list exercise can bring you the clarity you’ve been looking for.

What Does “Rightsizing” Actually Mean?

People often think rightsizing means moving into a smaller home  but that’s not always true.

Rightsizing is about aligning your home with your life as it is today (and where you’re headed next).

That could mean:

  • Selling your current home to free up equity for travel, education, or investing.

  • Moving closer to work, family, or the mountains you love to explore.

  • Choosing a newer, lower-maintenance home so you can spend weekends doing things you enjoy  not yardwork.

  • Or yes, sometimes it means moving to something smaller and simpler.

The goal isn’t less space, it’s the right space.

Why Homeowners in Their 40s Are Thinking About It

Many of my Okotoks and Foothills clients in their 40s are in a unique position:
They’ve likely owned your home for a while, built up strong equity (especially since 2021), and have options.

Maybe your mortgage is close to paid off, or maybe you’re sitting on a home that’s doubled in value since you bought it. Either way, that equity can become a springboard for other goals:

  • Funding children’s education without taking on new loans.

  • Traveling while working remotely or semi-retired.

  • Investing in income properties or market opportunities.

  • Reducing stress by trimming monthly costs and maintenance.

Your home is one of your biggest assets  and it should support your next chapter, not hold you back from it.

The Emotional Side of the Decision

Money is only part of the picture.

For many people, the idea of selling a long-time home can stir up mixed emotions: pride, nostalgia, even guilt. It’s not just a financial decision; it’s a personal one.

That’s why I never start these conversations with a CMA or a mortgage calculator. I start with a notebook and a pen.

The 2-List “Rightsize Exercise”

This is the same exercise I use with my clients who are unsure whether to move or stay. It’s simple — but powerful.

Step 1: Make Two Lists

Grab a sheet of paper (or my downloadable Rightsize Worksheet) and write down:

List A  What I’ll Gain by Moving
Think about what you’d gain financially, practically, and emotionally.

  • Freeing up equity for travel, investments, or education.

  • Less maintenance and lower monthly costs.

  • More time for family, hobbies, and health.

  • A fresh start in a space that fits the way you actually live now.

List B  What I’ll Gain by Staying
This isn’t about loss, it’s about the benefits of stability.

  • Comfort and familiarity.

  • Great neighborhood or school district.

  • Space for visiting kids, friends, or extended family.

  • Pride of ownership in a home you’ve improved and loved.

Step 2: Compare the Two

Circle your top three from each list.
Then ask yourself:

  • Which gains align with where I want to be in 3–5 years?

  • What would I actually do with the freed-up equity?

  • Am I staying because it’s truly right or because it’s comfortable?

Most of the time, clarity shows up right there on the page.

What to Consider Before Making a Move

Once you’ve done the reflection work, you can start looking at the practical side. Here are a few key areas to think about:

1. Your Financial Picture

Check in with your mortgage advisor or planner about how a move could impact your long-term goals.

  • What’s your home’s current market value?

  • How much equity could you realistically access after selling?

  • Would buying again, renting, or investing that equity serve you best?

Many of my clients in this stage choose to cash in equity while rates are still manageable, giving them more liquidity and flexibility.

2. Lifestyle and Priorities

Ask yourself what freedom means to you right now. Is it fewer bills? More travel? Less stuff? Or simply more peace of mind?

Your home should be a launchpad for your goals, not a weight that keeps you from living them.

3. The Market

The Okotoks market continues to show strength, particularly in certain property types like villas, and townhomes that appeal to buyers looking to simplify.  If you’re selling a detached home in a desirable neighborhood, and you’re worried about not finding the perfect next home, there are options.

When Rightsizing Isn’t About Moving

Sometimes, the exercise reveals something different:  You actually do love your home — but it needs a few tweaks to feel right again.

That might mean:

  • Converting unused rooms into a home office, gym, or guest suite.

  • Finishing the basement for income potential.

  • Simplifying furnishings to make the space feel fresh and manageable.

You don’t always have to move to rightsize your life. Sometimes, it’s about re-imagining the space you already have.

The Real Goal: Living Intentionally

At the heart of this process is one question:
Does your current home reflect who you are and who you’re becoming?

If your answer is “not really,” it might be time to explore your options.
And the good news? You don’t have to figure it out alone.

Ready to See What’s Possible?

If you’re starting to wonder whether selling could open new doors, financially or personally. Let's have a conversation.

No pressure, no commitment, just clarity.

I’ll help you explore:

  • What your home could sell for in today’s Okotoks/Foothills market.

  • How much equity you could free up.

  • What your next chapter could look like whether that’s a villa, an apartment, or a smaller home that funds your dreams.

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SOLD in Tiki Ranch, Okotoks

Thankfully there were 2 of us at the open houses on this acreage. So. Much. Interest. And I continued to receive calls after the offer was accepted. If you see a property you love, don’t delay. 

Thinking about moving to an acreage? Contact me and I will make sure you get all the new listings in Tiki Ranch or any of the surrounding areas in Foothills.

Excellent location- only 3.5km out of central Okotoks via Big Rock Trail! Tiki Ranch may be considered part of Okotoks but it is definitely acreage living (3 acres and plenty of room for a workshop)! This 5 bedroom bungalow is perfect for all stages of life. From the time in your life where you need multiple bedrooms to the time when you need a craft room, den, wrapping room and guest room, this home will fit you! The main floor is open concept with 20’ vaulted ceilings, hardwood and floor to ceiling windows. The living room has an impressive fireplace with room for TV above. The dining room leads out onto the east facing deck where you can enjoy your morning coffee in peace. Feel like growing your own vegetables, there' are two raised beds at the side of the house. The kitchen features full height white cabinetry, granite counters, Bosch stainless steel appliances including a gas stove and double oven. A convenient corner pantry with spice rack behind the door completes the kitchen. The primary suite is absolutely massive with an incredible mountain view. The spa-like ensuite has heated floors, soaker tub, tiled shower and double sinks. Walkin closet has built-in shelving. Two additional bedrooms on the main floor, (each has its own sink) and are connected via a Jack & Jill bathroom with toilet and bath/shower. Laundry/mud room leads to the triple garage with a large dog pen that leads to the dog run. No worrying about your dogs being left in the house all day! The developed basement has 9’ ceilings, family room, exercise room, two more bedrooms and 3 piece bathroom. Plenty of extra developable space in the basement as the utility room is huge and there’s loads of space for storage. Other features include AC, starlink and radon mitigation.

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ACREAGE SOLD in Rural Foothills County

I have listed a new property at 418102 96 STREET W in Rural Foothills County. See details here

Stunning 13 acre property with incredible views! The original owners were incredible landscape artists and created an amazing oasis. With established trees, multiple perennial gardens, patios, and 3 horse paddocks, every exterior space has thoughtfully planned. The home was expanded (larger foundation) and substantially renovated in 2002. The current owners have replaced appliances, updated flooring, paint, plumbing fixtures (and more) to reflect current design trends. Main floor is heating via in floor heating and features incredible custom country kitchen with large butlers pantry, open concept living/dining room with vaulted ceilings and large windows where you can enjoy the amazing mountain views. The den is currently used as a 5th bedroom. Primary bedroom features a walkin closet with stacked laundry unit. Main bathroom has steam shower, clawfoot tub and antique vanity. So much character!! Additional bedroom has 2 piece ensuite- perfect for guests. Lower level is partially developed with 2 bedrooms, 3 piece bathroom, family room (fireplace never used) and rec room. Undeveloped area allows for plenty of storage and second washer/dryer. The barn is 40 x 30 and has 5 box stalls plus tack room, with attached equipment shed. There are paddocks located on the west end of the property and a fenced area at the top of the hill (east end of property, check out the VIEW) so lots of room for your horses. The log cabin is heated with a wood burning stove and makes a perfect home away from home. This property must be seen to be fully appreciated. Located on pavement and easy access to Okotoks, High River, Diamond Valley and Kananaskis. Well and septic have been maintained by Titan Water.

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Incredible opportunity to own a beautiful property and do your own substantial renovation to suit your style!! Almost 7 acres of trees and oh so close to Calgary. Originally a 1500 sf 2 Storey, an extensive addition almost doubled the living space. Main floor features galley kitchen with large pantry, living room with wood burning fireplace and large deck. Oversized den could be used as a bedroom with 2 piece bathroom just down the hall. Heated sunroom is the perfect place for reading. Upstairs you'll find 3 bedrooms and main bathroom. Primary bedroom has small balcony. Basement features another woodburning fireplace/stove, 4th bedroom, bathroom and loads of storage. Large bonus room above the oversized double garage is perfect for teens to hangout. Outbuildings include sheds and more. Ask about possible option to lease the 3.5 acre undeveloped road allowance to the NW of property (subject to approval).

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ACREAGE SOLD in Rural Vulcan County

Live in the country with high speed internet AND deliveries by Amazon? Absolutely! Located 30 minutes east of the Aldersyde overpass (just south of Aspen Crossing), it's a commutable distance to Calgary. With almost 18 acres of land and a creek meandering through the corner, you might not want to leave home. Plant a garden and live off the land? With the current well, you will have plenty of water. This bungalow is small but functional for a couple or small family. From the wrap around deck you can watch the sunrise, sunset and the occasional storm rolling in. Inside you will find a living room with decorative fireplace. Whether you're in the kitchen or living room, you have views from every window. Kitchen has been updated to add lots of storage and counterspace. There are two bedrooms on the main floor and a 4 piece bathroom with shower. Downstairs you'll find another room used as a bedroom (doesn't meet current egress requirements), a family room and the huge storage/laundry/utility room. Outside you have loads of room to play! Whether you're a hobby mechanic or a horse lover, you have plenty of room with a 30x30 garage, a quonset, horse shelters, paddocks and even a chicken coop. Perhaps a wander to the creek is all you need to relax. Property has a strong producing well, Wi-Fibre high speed internet and amazon delivers. If you crave solitude, space and dark skies, this may be the perfect acreage for you. Flexible possession.

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ACREAGE SOLD in Rural Foothills County

Thinking of moving your family to the country but wanting to avoid the long drives to and from Okotoks? Your own personal hobby farm on 4.6 Acres is only 5 minutes south of the Okotoks overpass Okotoks and only a 6 minute drive to Okotoks newest shopping area D'Arcy Crossing. Close enough that groceries can be done before guests arrive, and far enough away from the highway to enjoy the peace and quiet of the Foothills. With multiple renovations over the years, this 4 BEDROOM (plus den) home is perfect for a young family. The living room has room for a sectional and your big screen TV. The white kitchen has many modern finishes, from beautiful countertops, to the stainless steel appliances and concealed hoodfan. Plenty of room in the dining room for family dinners. The family room offers easy access to the deck, and has a WOOD BURNING fireplace with a gas starter. The den could easily be used as a 5th bedroom. Upstairs, you’ll find the primary bedroom with 3 piece ensuite, main bathroom and 2 bedroom. The basement has had large windows installed and features a rec room, 4th bedroom, 3 piece bathroom and loads of storage for those seasonal items. No shortage of parking with, with a 2 car ATTACHED GARAGE, and a 2 car DETACHED GARAGE. The land is fenced, and completely ready for horses or other animals; complete with automatic heated horse waterer, barn, THREE PASTURES, and a 70’X100’ DOG RUN. It even has a chicken enclosure, it will not get easier than this to live out your hobby farm dreams. Or you can just use the extra space to run around, or set up your own cross country ski track, the options are limitless. Excellent well produces 7gpm.

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SOLD in Rural Foothills County

Move in Before the Snow Falls! Discover endless potential in this charming acreage home, perfect for a growing family! Enjoy the tranquility of country living just minutes from South Calgary, with the South Health Campus only 10 minutes away. Sitting on an easy-to-maintain 2-acre lot, this property features a triple car garage and plenty of room to expand. The open layout connects the kitchen, dining, and foyer, while a more private family room offers a cozy retreat. Bedrooms are separated by the main living area, giving everyone their own space and privacy. This home also offers a unique opportunity to grow, with potential to add a main and second floor, transforming the current layout into a walkout basement. Located within the school zones for K-9 Heritage Heights and 10-12 Foothills Composite, this home provides the perfect blend of space and convenience for families. Don’t miss out on this incredible opportunity—contact your favorite agent to schedule a showing today!

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