Gosh, your property taxes are extremely high! We HAVE to pay ours monthly, interest is added when it's in arrears.
We started a small bnb in our garden cottage 6 months before I retired, been running it for 7 years now, and that keeps us busy. We're still enjoying it except for the aches and pains after a heavy day with guests departing & arriving, despite having staff.
What with home maintenance and ~~ old age~~ getting on in years, we're already on the list of a well-run retirement village down the coast...but want to stay here a little longer.
As for insomnia, you really should try music therapy (much material on youtube) which is great for slowing down those racing thoughts. My mind gets like that as I have a touch of ocd😉
I enjoy a strong cuppa in the morning, have not tried it as a nightcap👀
Have a great day @denmarkguy !