# Retirement Pool Debate

> Retirees debate $80,000 pool for grandkids: math works but mental costs may outweigh benefits.
- Title: Retirement Pool Debate · Kiplinger | Shortify
- Summary: Retirees debate $80,000 pool for grandkids: math works but mental costs may outweigh benefits. Retirees with $1.1 million savings can afford a $80,000 pool…
- Keywords: retirement, pool, grandkids, social security, financial planner, prudential, swimply, home insurance, resale value, Debate, Kiplinger
- Source: Kiplinger — https://kiplinger.com/retirement/happy-retirement/should-you-spend-usd80-000-on-a-pool-just-so-the-grandkids-will-visit
- Published: 2026-10-15T12:30:00+00:00
- Read time: 1 min
- Topics: retirement, pool, grandkids, social security, financial planner, prudential, swimply, home insurance, resale value
## Retirement Pool Debate
Retirees with $1.1 million savings debate spending $80,000 on a pool for grandkids.
## Math Works for Pool
Financial planner Derilyn Freeman says $80,000 pool won't harm retirement if $1,500 monthly maintenance is covered.
## Pool Maintenance Costs
Pool rental marketplace Swimply reports $3,000 to $6,000 annual cost for pool ownership.
## Mental Costs Matter
Retirees feel guilty spending savings on enjoyment, which may explain husband's pushback.
## Alternative Uses for Money
Pool money could fund family vacations, national park lodges, or an RV for grandkids.
## Resale Value Concerns
Pool may lower home value in some areas, according to financial consultant Steve Azoury.
## Climate and Pool Use
Pool only useful for three months in some regions, making it less practical for grandkids.
## Family Priorities Matter
Retirees should prioritize what matters most for family fun and bonding with grandkids.
## Final Decision
Pool purchase depends on whether it aligns with family's values and practical needs.
## Key takeaway

Retirees with $1.1 million savings can afford a $80,000 pool without harming retirement plans but must weigh emotional and practical costs.