I buy any age, as long as foundation, plumbing, electrical is up to date they will last forever

This can help to reduce energy consumption and save money on your electric bill.Consider upgrading to a more efficient model: If your current electric pool heater is outdated or not performing well, consider upgrading to a newer, more efficient model.

My brother who is a CPA bugs me about it all the time about getting a Roth IRA.

Heating costs go up in winter, as does electric due to the reduced natural light and people being indoors more.

You'll also be paying all utilities - electric, gas, water, internet, cable, etc which you wouldn't do with a LTR. 

I set up autopay for all utilities (water, electric, gas).

Maybe I'm just have missed these answers, or maybe its common sense and I'm just oblivious to this, but my question is, if the house is big enough to so that one floor can be rented and the other is occupied by me, are the utilities just split depending on the amount of tenants (members of a family), electrical, water/sewer, etc. or can you have it metered separately, if its not registered as a 'duplex/multi family dwelling'. 

A tenant who knows they do not have to pay electric, gas, sewer, and water will almost always keep their home super toasty in the winter and super cold in the summer.

For example, my homes were built in the 1960s and 1970s and were recently remodeled and that is structurally good such as foundation, roof, electrical, plumbing, HVAC, etc.

If it is an electric water heater, the heating element(s) may have burned out and needing replacement.