How To Live The Full Time RV Life

If you float around the tiny house community you may already know three things about me:

Perhaps you don’t know though that I am an advocate of all tiny houses and small spaces. I love cabins. I think yurts are very cool. I am fascinated with live-aboard boats. I think RVs are the fleas knees. I gave my heart to tiny house trailers some time ago. And I even think sometimes about restoring a Pullman train car. I like to note the similarities and the differences and everything in between. So it is only natural that at this time in our life we are quite happy with a travel trailer adventure in which we can go from Point A to Point B based on work, leisure, events, and relationships. It is an exciting time but certainly isn’t one to enter into lightly or without some caution. Over the past 4-5 months I have put together (and adequately addressed) a list of things to think about when committing to the full time RV life. I would argue that these are also things to think about (or most of them anyway) when preparing to live any sort of life that is location-independent, a bit “out of the box”, or just plain weird to the masses. I think once you read my list you will agree.

Practice, Practice, Practice

Before we purchased our travel trailer my towing time on the road was fairly limited. I have pulled a 5th wheel camper one time for about an hour. I have hauled several utility trailers but nothing longer than 18 feet. I towed our tiny house a couple of times but only with a very experienced hauler in the passenger seat to be my co-pilot. I toted our riding lawn mower around more than a few times but only in a trailer that was about the size of an American bathroom. Living on the road and hauling your home around is a different thing altogether. It involves driving, organizing, scheduling, budgeting, setting up, breaking down, and more. In this case practice trips is the whole she-bang from hitching up to hauling home and everything in between. I would encourage all those thinking about the mobile life to try it out first. See if you are prepared to leave a number of things behind in exchange for some exciting new adventures!

Downsize

A tiny house of any kind only has so much space. The tiny house community and its included blogs feature posts upon posts about downsizing, minimizing, space saving, and the like. A boat is no different. A teepee is probably no different but a bit more extreme. An RV is no different. You must weight out need -vs- want. The rest must go. It can be sold, given away, donated, etc. You need to trim the fat from your belonging. If this sounds difficult, proves difficult, or just causes stress you may want to consider a different living option.

Health Insurance

This doesn’t apply as much to tiny housers who are going to be parked for an extended amount of time or houseboaters who intend to be moored for a long time but certainly does apply to those who will call the road their home. While medical insurance is an awful subject to talk about and certainly not  something discussed in polite company, there is a distinct possibility that you or a member of your family will get sick on the road. When we first tried out full-timing in early 2013 over the course of 4 months we had 2 doctor visits, 1 soft cast, 3 prescriptions, and even an MRI. Thank goodness we were prepared with comprehensive insurance through my company. Perhaps you don’t have that benefit or haven’t been able to get a decent plan because you are a full timer. Luckily there are companies that offer insurance for full-timers. We avoided a lot though by having a robust first aid kit, using doTERRA essential oils regularly, eating as healthy as we could, and just being a bit more careful in general.

Obtain and Maintain a Permanent Address

This is definitely one of the largest obstacles when choosing to live a tiny house lifestyle. With a tiny house trailer you can easily live in someones backyard, in a remote, rural spot, or even on an RV site. It doesn’t, however, change the fact that all states require proof of residency to operate a motor vehicle which is needed in most cases to maintain a nomadic lifestyle. (NOTE: line changed from original after further discussion and dialogue) If you don’t intend on operating a motor vehicle, opening a bank account, maintaining any sort of utility account, you may not need to have a permanent address other than one for mailing purposes. If you choose though and once you do establish a permanent address, you can get a post office box. It was no easy task for us when we first moved to our home land. The workaround is that a number of full-timers take advantage of mail forwarding services such Many full timers take advantage of Mail forwarding services, such as EscapeesMyRVMail.com or Camping World’s President Club. One advantage of full time tiny house living is that you can claim residency in states with no income tax.

Stay Connected

Campgrounds are notorious for advertising free WiFi but having dismal service beyond the walls of the camp office. A number of live-aboard sailers rely on 3G and 4G (and some LTE) cell data or connecting when in port. Tiny house trailers typically land some place where they can piggyback off a neighbors WiFi or even a local cafe. But if those options don’t suit you you can look into purchasing a MiFi system, special antennas, boosters, and more. A great post on the subject can be found here and you can purchase a book on the subject here. In today’s world staying connected will allow you access to email (personal and private connection), social media (great for reviews and recommendations), eBills (who needs a bank anymore?), and even photo galleries (travelogue anyone?)

58 thoughts on “How To Live The Full Time RV Life”

  1. I didn’t realize that federal law mandates an address for everyone. What’s the citation for that law? I want to read more about it. Thanks!

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    • In order to be a US Citizen you must have a permanent mailing address filed with the Internal Revenue Service. There is no way around it lest you want to lose your citizenship. The reason for that is you cannot maintain a government identification without a mailing address. That means no license, no taxes, no valid social security information, etc.

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      • So, legally-speaking, a homeless person is breaking the law by not having a permanent address? And the punishment for that ‘crime’ is putting you in a cage, called ‘jail’ or ‘prison’, which costs the taxpayers (those of us with permanent addresses) about $50K a year to maintain, per guest.

        Why not just give every homeless person $50K a year, or even $30K a year, since the money just seems to be hanging around unused anyway, and keep them out of jail?

        I’m getting really, really, REALLY tired of the so-called federal government and it’s idiocy, not to mention its perpetual violence.

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        • For the same reason that they give me $15 a month in food stamps and yet the state pays hundreds a month for my stomach ulcer meds that I need because of years of existing on practically nothing. In Texas, if you make less than $1000 a month, you get $15 a month to eat on. Ice each day, to keep the food and drinks cold, costs me more than that.

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          • No pity from here…unless u are very sick or infirmed it’s your responsibility to take care of YOU …..not ME or the Govt. (which is me also).

          • I agree with John. My neighbors both quit their jobs so they could retire at 62. Their choice. Their house is paid for and both have decent autos. They also state they are broke. While one gets $15 a month in food stamps the other gets just over $250. The food stamps allow them to continue their 3 pack a day sm0kes and be drunk by 4;00 EVERY day. They both have health issues caused by the drinking and smoking, but thanks to food stamps they can continue with both and still eat better than my family.

          • Kari, John, one can’t buy smokes/drink with food stamps. and be careful how you judge you may need them someday as I did AFTER a building fire and huge chemical injury left me nearly dead (I paid out of pocket as I do only holistic) but while I was at an end stage) had private insurance, disability insurance – and few payments from first, none from 2nd – I was unable to fight back as I was in this paralytic stage) All the “safety” nets we are told for those who need it (not abuse it) another surprise – took 3 years (NYC) to obtain anything, (and it was all paid back) and when I was better later and asked when NYC went to welfare to work – why the woman I knew on one of my jobs (I paid taxes she was paid in “cash”) never had to pay one cent back and she was having a child every three years to increase her payments! It is not so black and white. And Mama has a point – our Government (I minored in City Government, health care – but holistic in practice, and had a few degrees) is basically owned by major coporations – I could not do certain therapies until NYC passed a medical freedom act. Think Bayer Asprin Bayer Pesticide and all the other pharmeceuticals – why does Medicaire pay for drugs but not vitamins and supplements? Because these coporations along with federal agencies set policicy – call it coporate America. Those who try to do tiny homes know full well the regulations where in fact MHO we are in a sort of “police state”… and MD’s lose their liscence, companies are taken out of business if they do not comply (non medical freedom state) and even children who’s parents do not want chemo therapy, have them taken away and given by MD orders what ever these companies have now imposed on America citizens.

            And John, there used to be a time, when one did look after another (the farming period in America – my mother who grew up on a farm upstate NY told me of how they’d drop off eggs, milk to neighbors – the great depression and no safety nets back then. How indigenous peoples, as a collective took care of all the individuals. It is a sad state mho again – that it’s me me me in our society now. I remember in NYC when we had a brown out – it didn’t take long before stores ran out of main provisions (fresh foods, milk, eggs water) and the real nature of many people quickly showed up. Vicious!

        • Donatella, there is no punishment for the crime, per se. All US Citizens are required by law to have a government issued ID. The Catch-22 of that is that in order to get said ID you must have a permanent address. A permanent address is not the same as a mailing address. So in most cases even though you are homeless your permanent address is the last known address you had on government file. For some this is just the address you had as a student in a school system. Does that make sense?

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        • Good for you! Since when does the government make laws that are good for everyone? Don’t count on it. What you say is so right but try to explain that to a lawyer.. after all they went to school a lot of years so they can’t help either! No wonder they tried to put all the Indians in reservations… that way they could keep them out of jail.. or maybe they were already in a jail..

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        • My above comment was for Donatella.. your comment was right on.. but it looks like my comment addressed Andrews comment it was replying to Donatellas

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        • My post was in reply to Donatella’s comment (which was right-on). It posted below Andrew Odom’s instead… so doesn’t make as much sense as replying to Donatells… that about it…

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      • A person born in the United States CANNOT lose their citizenship just because they don’t have a permanent address on file with the IRS. There is no federal law that requires citizens to have government ID. States require an ID to drive a motor vehicle….It’s called a driver’s license. AND yes, to obtain a driver’s license the state requires that you prove that you are a resident and providing a permanent address is part of it.

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        • I’m permanently disabled and bedridden. I’m on disability. My driver’s license expired more than 10 years ago. I’ve never been required to obtain a new ID.

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      • Andrew, I like your articles very much, this one included. However, sources are very important, and should be disclosed when requested. Sparrow asked for the legal citation. If you don’t know it, then you must have obtained this information from another source, which you should share. If this assertion cannot be verified, then acknowledge that and move on. In this case, the topic of permanent address is more of a side note, and does not detract from the rest of the article.

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        • Let me first say that I am only a guest writer on this blog. I don’t monitor all the comments that come in so there may be times that I do not respond in a timely manner. This past holiday weekend is a good example of that.

          The legal citation – as it were – originates from my home state of North Carolina DOT (document found here):

          http://www.ncdot.gov/dmv/driver/license/#documents

          And this is where I realize Paula is more correct than I.

          In order to receive a drivers license one must provide a Proof of Residency Acceptable Document. Note the last one in the list is “letter from homeless shelter.” I had never heard of such. The pursuit of that form of identification took me to the Wisconsin DOT here:

          http://www.dot.wisconsin.gov/drivers/docs/homeless-residency.pdf

          Even a homeless person in the US needs some form of identification that gives notice of residency. When writing this piece I assumed then that because even homeless folks needed form of ID it was a federal law. What I failed to tie in though was that my original search was for a driver’s license.

          My original line read, “It doesn’t, however, change the fact that Federal law mandates that all U.S. citizens have a permanent address.” I am going to change that (and make note) to read “It doesn’t, however, change the fact that all states require proof of residency to operate a motor vehicle which is needed in most cases to maintain a nomadic lifestyle. If you don’t intend on operating a motor vehicle, opening a bank account, maintaining any sort of utility account, you may not need to have a permanent address other than one for mailing purposes.”

          Perhaps this better speaks to my meaning without causing argument between the federal branch of gov’t and the state branch and how citizenship is maintained and checked by multiple federal agencies and then reported…..etc.

          I appreciate your thoughts and kind words Harry. Sometimes as a blog writer (which I still maintain is as much opinion as fact) I forget that not every reader is in my mind interpreting things and making lateral reference points the way I am when writing a piece. Please accept my apology.

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          • Very thorough response, Andrew. It should clarify this issue for all responders. I agree with you that blogs are as much opinion as fact–perhaps even more opinion than fact. You do a great job of responding to comments. I don’t expect you to respond to any comment, but you did initially respond to Sparrow’s request and it seemed inadequate–that is why I initially responded. It is funny how some threads take on a life of their own.

  2. Your article was SPOT ON! Having lived in assorted RV’s many years of my life (plus loads of miles driving/hauling short to long RV’s, you mentioned SO many topics most people just don’t think about before plunking down their hard earned cash. The only topic you didn’t bring up was the ever increasing costs. When I started life on wheels in the 60’s, the cost for an RV pad was overall what I’d call reasonable. Now I see awful stuff that’s still $350 or more per month and the decent RV parks easily exceed $800. For us that sort of took out the fun and the financial feasibility. Another topic most don’t think of are the high cost of maintenance for both RV & towing vehicle. To me there’s NO better lifestyle, but it’s also sadly enough become an option less affordable over the long haul. Your current rig is a perfect middle-ground of easy to tow yet livability. It’s so hard to believe less space can bring SO much more to life – yet it does:) May your continued adventures be filled with everlasting joy.

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      • Wow, I just wasn’t ready for the article to be over when I got to the bottom of the page. My husband and I bought a 5th wheel and truck and will hopefully be hitting the road before too long. We have a small business, but before selling and retiring totally, we want to do a bit of exploring. Because of high costs, especially of fuel, we are mapping out areas where we feel we would enjoy being for up to a month. Hopefully, with memberships and my husband being a veteran, we can find some decent and reasonable places. We just feel that it is imperative that we try the lifestyle for six months or so before selling our home and becoming fulltime rv’ers. I will say that our nine year old grandson passed away this last June and that has made us really look at things differently….such as ‘stuff.’ Friends, family, health, love and God (but not in that order) are truly the only things that matter. I truly feel that my grandson taught me that no matter how bad things might be, there is always a reason to smile and make someone else smile, too. Keep the articles coming and enjoy your adventures.

        Cheryl Creekmore
        Broken Arrow, OK

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    • Bob – there’s a local here having a Tiny House on trailer built for them. To be able to stay in Vancouver for work, they plan to park it in one of the few RV parks in the area – at a cost of $1100/mo. That’s the price of an apartment, And that’s over and above the cost of the unit under construction.

      Very modern design:
      http://thousandcrow.postagon.com/3wnt6b52e

      They’ve also switched ends – the door will open onto the trailer hitch, used to support a folding porch. I’m curious to see how that will work…

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  3. Thanks for the great article…I enjoyed it a lot and it was especially helpful as my son, our dog and I will soon begin our Fulltime RV journey. We’re doing just the opposite though…we’re starting out in an RV with the goal of a Tiny House in the future. We should get a good taste of both as we plan to travel the USA in our RV visiting Tiny House owners, builders and events. I guess a Tiny Home is just that…a Tiny Home whichever you choose!

    Thanks again!

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  4. I am thinking of travel nursing. I was thinking of getting a travel trailer. It is just me my cat and 3 small dogs. I know it is hard for travelers with pets because most apts don’t allow animals. I would also like my own stuff. I also want to see the USA.

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  5. Great article. I travel in an RV for work, my house is leased, and I stay with my folks when home. I really do practically live at Walmart. We also have lots of free or low cost city parks in Texas. I absolutely love this life although I do long for community. This is a great way to connect.

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  6. Good info. One thought about the “stay connected” is the need to be aware about people high- jacking internet accounts in areas where free wifi and the like. You just need to practice some due caution.

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    • The first step is to understand the difference between a permanent address and a mailing address Mike. You can list a permanent address from anyone who is willing to vouch for you at that address. You don’t have to own the property, the house on it, etc. So a parents, a relative, a friend, etc. would work just fine. Establishing a mailing address is a whole other animal if you are actually thinking about that.

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    • Some people I know have used private mailbox services. They appear like an apartment address. Just make sure they’ve been around for awhile and have a good rep. They usually offer forwarding services for a cost, will take parcel deliveries, and so forth.

      I’ve ended up getting one for my business address for online stuff. I found a good one cheaper than a post box or FedEx – their storefronts offer it.

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  7. When I went full time in 2001-2002 I used my dads ohio address for my florida drivers license and a postal mail box forwarding service in florida for mail delivery general mail wherever I decided to land. Look up articles on good Sam club about the plight of full timers. My strategy worked great.

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  8. I used mysouthdakotaaddress.com. I used that address for two years. I never stepped foot in SD. Since it was time to get a new drivers licence and the right thing to do.
    I am changing that to a local address provided by an agency that helps the homeless and campers in AZ. I am a full-timer though technically that makes me homeless. On SSDI (I worked and paid in) I get way less than $900 a month to live on and am given $15 in food stamps as well.
    For me fulltimers rv insurance is a must. I now have medicare and AZ state insurance. For health care.
    It’s not easy although it is possible to stay under the radar and live this Tiny life. I just upgraded from vandwelling to owning a 13 ft Scamp travel trailer.

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  9. This was great! My husband and I also live in our travel trailer…it’s 20 ft. We are loving this Tiny House Movement. We are doTERRA Wellness Advocates and travel around teaching about doTERRA and how to live longer feeling younger, so it was fantastic seeing that you use doTERRA!

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  10. I’ve been full time RVing in rigs 22-24 feet long for about 20 years and have loved the life. In your article you mentioned health insurance but not RV insurance. If you do not have a house elsewhere, full timer’s insurance is the way to go. It combines insurance on your rig with homeowner’s insurance so that if property is stolen from your RV or someone steps off your RV steps and injures themselves, you are covered for the property loss and any liability to the injured party. Vehicle insurance does not provide you with homeowner’s insurance.

    Also, there are pitfalls to establishing residency as a full timer. Having a vehicle registered in one state and property in another and paying income taxes in a third can result in owing back taxes and penalties in one or more of those states. You need to be very careful when establishing residency. As mentioned previously, RV organizations like Escapees and Good Sam are good resources for learning what you need to know to enjoy the full time RV lifestyle.

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  11. How much do you budget for a month? Or what’s your average monthly expenses? Why didn’t you get something a little bigger like a 5th wheel?

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  12. Thanks so much for this article. It’s very timely for me, as I’m currently designing my own RV/camper – my first. I now have a better perspective from experience.

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  13. My family of four want to start road schooling next spring/summer. Are tiny homes built to travel a lot or are they mainly for light travel? We really like the idea of a tiny home, but I am concerned that the structure might not be stable enough.

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  14. Andrew. It is not true that a permanent address is required by the federal government. Foe any reason, including citizenship. Nor do any of the states.

    Both may include the phrase on applications that you submit to them (for their files and so they can mail things to you), but it is just a phrase meant mostly for students, prisoners, etc. Any address will do, including a mail drop.

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  15. I’ve read a few of these articles now, because I need to know what to do about an address. Not one of them, including this, clearly states how a person handles that. The closest answer that I have seen so far is in these comments – to use the last known address. How long will that work? Are there any specific answers to this? Besides that, I enjoyed this article It does need a good editor, though. It seems like a first draft.

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  16. Maybe we should all start claiming 1600 Pennysylvania Ave, Washington DC as our address – it’s the People’s House, after all…

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  17. as a full time RV’er I’m registered in Texas. to travel I need a drivers license, insurance and tags for the vehicles. I need an address for that. and my government appreciates me having an address so our checks can be deposited and taxes can be paid

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  18. I really like the blog and as an RV owner who is considering a tiny house, Im curious if you think a tiny house may not be as road worthy (long term) as an RV. My RV sits almost full time on land I own so I think a tiny house would be a good solution, but do you think heavy RVing in a tiny house is practical??what are the pros and cons? Weight, towing ease? I know it’s somewhat dependent on size but someone with experience in both could benefit those with less experience. Thanks!

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  19. Great article, very informative. I would love to read a follow-up with additional topics. Thanks for sharing your experiences.

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  20. While we were initially caught up in building our own tiny home, we settled for buying a new (2014) 34′ Puma travel trailer and selling, trading, storing, or getting rid of a lot of our stuff to fit inside it.
    Most everything runs on a combination of propane/12 volt and/or 120 volt AC.
    For four months we lived with a 4,000 watt generator powered by gasoline.
    We learned a lot since we moved into our trailer. We bought a two acre parcel of land in the boonies, had to even cut a driveway onto it so we could drive on it.
    We had the water company install a meter, and then we rented a trencher to come from the meter to our home, and another 200 ft past that to where our garden is. We hooked up 3/4″ PVC to the hydrants.
    The land is a corner lot, and we even had to go to the planning department to obtain an address. We put up our own pole, meter, and service for the local utility company to hook up power.
    We are both in our 60’s and just before we move onto our land the company I’d worked for folded. My husband is on Social Security, and I’d made a good salary, but we’d spent all our savings and with my salary it was not a problem, but with the loss of work we’ve been living check to check.
    Still, we wouldn’t go back, and we love it out here. There is a neighbor across the road who has tractors and all sorts of tools. My husband can do almost anything and he has a lot of tools too. We just broke our garden, about 200′ square, and plan to can or freeze a lot of food.
    We have a 10’20 building we finished inside, and it holds a side by side, a freezer, and our stacked washer and dryer. It is partitioned and the other room is a huge walk in closet for us both. In the next year we plan to begin building a cabin, finishing a prefab, converting this travel trailer into a permanent residence, or get a modular home. You are never too old to start over. We love it here. We have two neighbors we can barely see.

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  21. Love the post. My family and I just did the same thing, at least we’re in the process of it. We’re re-modeling our trailer at the moment, and move in next week. We hope to hit the road and live nomadically in October, can’t wait! We love hearing and learning from others who’ve done the same. If you’d like, you can follow what we’re doing on our Facebook page: Facebook.com/suburbanpilgrims
    Would love to hear from anyone else doing the same. Happy travels!

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  22. My husband and I currently live full time in our RV 32ft travel trailer. I love it. we are not completely retired, but it gives us the freedom to work our way across the country. Workamping is one of the best ways to do that efficiently. we will be in Tenn. for 3 1/2 months while my husband works, he will get paid and they will cover the cost of the site plus utilities. We are then traveling to Arizona for the winter where I will work for our site and utilities (20 hrs a week) while he gets a job doing something else. The most important thing to remember to really make this work is you are striving for financial freedom, therefore it is very important that you don’t run out and purchase your rv on credit and expect to be able to make it, unless you’re independently wealthy.
    If you are looking at this lifestyle as an option, my advice is to begin paying off all debt before you are ready to leave the old sticks and bricks behind!! Otherwise you will be in sticker shock when you get started.
    I also want to say thanks for advising people to try it out before they jump in the deep end. we personally rented trailers and traveled a bit before we decided this was something we wanted to do.
    All you troubles don’t go away they just change and slow down.
    Hope to see you on the Road!!!!

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    • I am glad to have found this as well. We are in a 29 ft fifth wheel with bunks. Have an 18 year old and 15 year old. This was a personal choice. We do still own the house but are currently renting out while we decided to cut down stress in every way. I can’t say how happy we are. We do work in delivery between 3 cities so we can move around locally; the area is ripe with rv parks and lakes (our perfect mix). Our 15 year old is home schooled (even before we did this a year ago) and our son will soon be starting his choice of schooling with his diploma. We have a few questions but hope to keep scrolling and answer. One place we park is a totally organic tiny house community and we are in heaven when there. Everyone is all ages and complete ‘hippies’ (smile). We fit in well. The community is wonderful; my husband and I are in love with these Tiny homes and keep it (along with maybe a class C as another option) for when we are fully retired and the teens are out of the nest. For now, my kids are happy. We had a lot of negative thoughts and many not so nice judgements from family over our decision at first but seeing our pics, talking to the kids and seeing how happy everyone is now have pretty much turned most of them to where now they actually schedule their meetups with us (smile) [now detecting even jealousy….from my brother lol]. We are joined by our 2 lb, and 5lb chihuahuas, a rabbit and a fluffy white cat (only started with the chis-I promise). We have redone the camper to make it where everyone can be open but also added curtains to each partition for each of the teens. We can save now-our bills are so much smaller I can’t even begin to describe. We use only netflix and Hulu and a must is internet. The other must is karaoke and board games-something that never would have been used in the past without the kids scoffing and holing themselves into their caves with 3 different gaming systems. What a difference. Our days are really happy (adding however that we were a seasonal die hard camping family before so the adjustment was not so rough). Will keep checking in and looking forward to other experiences from others whom changed their way of living to this way. Thanks.

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  23. My partner and I are considering selling everything and moving into an RV to travel around the US for 6-12 months. I can work remotely and he is starting his own business (he’s done it before). We’re wondering what a permanent RV life wardrobe looks like? How many items of clothing is realistic/needed? We’re going over our belongings and are unsure how much we should be getting rid of? I know there are dependencies (I still need a few suits as I do have to go to the office once in a while), but generally what do people take?

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  24. First off – 18 U.S. Code Part 1 Chapter 2 Section 31 describes a Motor Vehicle as a “Contrivance used for Commercial Purposes.” Traveling around in your privately owned automobile is a Right. They take your Rights away from you so that they can charge you anything they want, and all of you let them get away with it. I have given up my license, and intend to exercise all of my unalienable Rights. I will not let Domestic Enemies dictate my life. All of you are poorly educated, that you cower in front of these public servants. Ohio’s BMV’s History also proves my point. In 1935, the legislatures created Licensing law so you would have a legal right to use the road and highway, then they created the Financial Responsibility Act and made it a privilege. Prior to 1935 it was a Right under your Right to Liberty to Travel the Roads in the ordinary course of everyday life, unless you use your property for gain. But who am I, just a Retired Serviceman whose fed up with the B#@$sht. I will be traveling full-time next year in a travel trailer. If they stop me, I’ll just ask for a jury trial and defend my rights w/o an attorney.

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