Eddie,
My retirement home package would probably have the 2 structures noted. Maybe a machine shed, too, for ag equipment. 10 - 15 years (or more...?) is a loooong time and alot changes. My needs and desires will also change. No hurry; patience pays dividends.
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You should know that my principal residence is currently my dream home...and it comes with a mortgage. That's why we move along at calculated, incremental steps on our second property.
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Wouldn't it be absolutely awesome to be able to invite friends to stay with us at our project and hand them the keys to their own place on the pond? Donna has SCADS of nieces and nephews, and they keep crankin' out the next generation. Know what I mean?
As we discussed, everyone's life program is unique. This master plan fits ours pretty good.
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If you build this building, or one like it, will you really build the house of your dreams when you are in your 60's?
The current project will likely be the last one this size. If/when we are able to retire, and assuming that we still own this second property, we would cash out our principal residence and have our retirement home built by others.