Yes plans change with time. 4 years ago my husband was alive and I dreamed of finding a good amount of land in Alabama and together building up a place where we could retire and make ourselves ready for whatever. Then he died suddenly and I decided to not entirely give up that dream, but downsized it . I retired from my work at 65, moved to rural Maine, built a net zero house with lots of storage for my stuff. No mortgage. Gardens. Freeze dryer. Lots of tools and supplies. 6 acres with a creek and a lot of trees on a dead end road it 1 other person living on it. By myself isn’t the best scenario but it is what it is. No financial worries at least.