I don't think a 20 year lease would work for me, I also live alone but I am 54 disabled and not sure I will be staying in my home that long. I have learned how to get my bills to a manageable minimum. The wood stove for heat,collect rain and gray water for my garden, grow my fruit and veggies. With the mini ductless split system I can heat or cool rooms in use. I hang clothes to dry them, I cook and freeze several meals. It is amazing how much unnecessary items people purchase. I haven't had a home phone or cable tv for 13yrs and don't miss them. I also drive a 20 year old truck that gets good fuel economy.