他们选择“以房养老”后：晚年多了一笔“养老金” 2018年08月23日　来源：广州日报
--all i can tell is china might make 以房养老 working. comparing with usa china's company much better than usa. in usa 以房养老 is really not great. 1. you have to maintain house well 2. must buy house insurance 3.when the house value down you get less until the value too low then force you move out 4.when you can't live alone then you have to move out(china company allow the owner rent it out)
however both have the same problem if you are very illness suddenly and need huge money to pay medical expenses then you can't sell the house. 以房养老 only good for you have no serious diseases for rest of your life or the country provide very good health insurance.
china company is better offering for the house owner an very likely the house valur hardly go down as too many popullations.

mine income-expenses >4%(expenses)

--it is assumed you have a job and the expenses including: daily expenses,

monthly utilites/medical insurance/retiring savings,

yearly taxes and estate taxes that including retiring medical insurance

if you live in buildings or not safe area then should buy house insurance.

for the future inflation(in usa assume 4%) then you should save 4% inflation saving for future.

According to usa medical expenses and bad medicare, better have two houses for the couple in case have cancers. 

the more you knew the more you would become saving-penny type, it's good for your retiring life that have no worry and could have healthy body.

you see my husband was very nurvous type and can't manage money but buy anything he wants. he became broken at 50. he was lucky married saving-penny type me, now he spent time on his favour TV shows, movies, ...history related, taking warm water exercises, worry nothing.