The bottom 75% of America will have to look to the rural areas and keep a low cost lifestyle, paired with a low Not just Austin...

These kinds of places are Works of Love and a life style - - are you looking to live there and take on a new life, OR are you an investor looking for a return?  

Do what works for your lifestyle and energy. 

If you aren't using it personally because you come to Disney alot and like the resort for your lifestyle, its hard to justify the expenses/assessments. 

Quote from @Vivek Kumar: I see inquiry for car loan but there is no actual loan or payments kinda 50/50.....if you live a debt free lifestyle, you wouldnt even want to apply for a car note

You know best what your lifestyle is and what you need to support it, so do the math assuming you and your wife will live to be 100 ...so you don't run out of money. 

So how do we achieve this with our busy life styles???

Whether you should house hack a duplex or a single-family home depends on various factors, including your financial goals, lifestyle preferences, and market conditions.

Of course if you have zero debt and modest lifestyle probably works.

If you are okay with the lifestyle, do it again.