People who can afford to 'winter' in warm, sunny places are usually thought of as wealthy.<br />But according to Business Insider, one financial planner says you don't have to be wealthy to be a snowbird.<br />However, it does take serious, long-term planning.<br />Jeffrey Corliss is a financial planner based in Connecticut, and says the costs of snowbirding can add up quickly.<br />After all, you may have two homes to pay for, insure, maintain, secure, and pay tax on.