Downsizing has long been part of the traditional retirement playbook: sell the large family home, buy something smaller and use the remaining equity to help fund retirement. But for a growing number of South Africans, that equation may no longer add up. With 74% of middle-income retirees reporting higher-than-expected living costs,  retirees face an additional challenge, the home they planned to sell may be worth less than the smaller, more secure retirement property they now need. To explore this further and what questions to ask before retirement. Bongiwe Zwane spoke to Grant Smee, CEO of Only Realty Property Group