You’ve omitted the critical, first-priotity option: get out. Unless that I what you meant by “plan for the future…”
Absolutely nobody who is sane of mind will look at texas, with its radical conservative “leadership” and sociopath 1% investors, and say “I want to stay here even though I could move.” And I’ll admit, I’m very quick to judge you for what you said: if you can afford whole-home solar, you can afford to move to a nice fucking house.
Now, I was in the same boat.
I left idaho (which by many measures is worse than texas) years ago, and have been trying to convince my family to do the same. They agree they need to leave that hateful shithole, but selling their home and uprooting from their tiny circle of non-psychopath idaho friends is still very hard. I’m going to end up digging deep financially to make it happen, but it’ll work out in the end.
Still, nobody deserves to end their life in such a hateful place. Leaving is an option once you can afford a home, no matter what anyone says. And at least if people leave, they won’t be actively forced to support a radical conservative hate state.