After working with homeowners in Bend for over 20 years, I've noticed something consistent:
Most people don't wake up one day and decide to downsize.
It usually builds over time.
At first, it's just a thought in the back of your mind.
Then it turns into a conversation.
Eventually, it becomes a decision.
The challenge is knowing when that moment actually makes sense—financially and practically.
Here are a few of the signs I see that tell me it might be time.
This is usually the first shift.