"As Vice Money puts it, "American marginal tax brackets aren't too different from Canadians', yet [Canadians] get universal health care and [Americans] don't."

How often do we hear, "I did everything right and I took it on the chin, then I picked myself up again and did everything right again and took it in the liver, then I realized I was not born under a lucky star, dragged myself out of my general depression and did half as many things not so right and very, very conservatively, and now after fifteen years of barely keeping my head above water I am proud that at 50, I've paid my kid's way through community college and the last two years at a cut-rate state school, and I'm living la vida broke-ah on the 22K a year I clear from my investments, Lord willing I have no major health problems..."

@Justin McGonigal depends on a lot of factors including your personal financial health.

The range of prices isn't that great that saving (or spending) an extra hundred bucks is worth the pain of having to work with a QI who is not adequately experienced with both the statute and current case law. 

With those proceeds ($75k after fees, no capital gains for residency) I have:- Paid off $25k in credit cards, now my only "revolving debt" are balances I'm paying each month.We- Installed a radon system for our new home (~$6k; historic property, have a toddler and don't want to risk anything for his health, you folks with kids know what I mean)- down payment (25%) and finance fees totaling $38k for a triplex that will net $1000 a month, not accounting for anything other than PITI.

You start thinking that way when parents die, friends die, health problems occur... 

I've seen some case studies on independent to AL conversion. What about the opposite direction? Trying to make a plan for unwinding services and meals and just operating on rent.

That company (like many startups) does not release its profitability to investors so you have no idea what its financial health is.

Delay will only make it more painful, and cost you a lot more time and money in the long run.

I took a 6 months hiatus from working then decided to do part time work 9 months ago, while I research and tested starting my own business in the health care field.