The question still applies, but you will not be living in Florida. It will not exist as we know it. Florida is disappearing by inches and feet every day. Miami and Miami Beach flood every day. Miami and Miami Beach will be among the first two cities lost to rising water, climate change, global warming.The new East Coast and West Coast are being established now. You need to be thinking inland such as at least Georgia. Just go around the country, via a map, or computer, and remove one state from along all of our coastlines. That will be the new United States — if we remain united.Either way it is going to cost you some money. You can buy and rent it out now, but it is going to cost you money to upgrade, renovate, remodel, facelift — all those “Architectural Digest” words. The building, etc. may not be standing in 20 years. Life is pretty much anything can happen on any given day. It is live theatre. I put all new stuff in a house just two years ago and it already feels old and passe. That is how fast design, style, trends, sourcing, etc. change. It is like driving the new car off the lot. It is already used and old and second hand.Keep an eye on the market. A lot will happen in 20 years. Save your money and a lot of it. Even now a one bath studio costs $146,000. When you get close, maybe a year or two out then really study hard and research your market, what you want in a home, all the usual questions: who, what, ,when, why, where and how. Your interests and health and passions, and perspectives will themselves change over 20 years. Mine have changed over the last 2 to 5 years. Some of this is just human nature. Some is ageing. Some is health. A lot is out of your control. You and millions cannot hold back rising waters.