Somebody you love is going to hand you a glossy brochure with a photo of a silver-haired couple kayaking, and the only number on it will be "starting at $2,895/month."

That number is a trailer. The movie costs more.

Retirement communities are one of the last big purchases in American life where nobody publishes a real price list. So today we're building one, four product types, four totally different pricing models, and the traps hiding in each.

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