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Places to Retire

The Duke

The Duke

Heisman
May 29, 2001
16,795
51,954
103
name your top 3 *financially realistic* retirement destinations. I can’t buy Necker Island, even after the hurricane damage.

My current top 3 (wife and I):
- Santa Fe
- Stillwater
- somewhere in the Hill Country of Texas
 
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B

BigBobBarker

Sophomore
Apr 2, 2008
706
103
0
Florida or Texas. For retirement plans you pay state income tax on where your primary residence is at time of withdrawal not on where the money was earned. Even more reason with the decrease in the ability to write off state income taxes on federal income tax.
 
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SquinkY5786

SquinkY5786

Heisman
Dec 21, 2005
46,783
54,743
68
We have thought about this. I have young retirement or old retirement. I think toward the end of my retirement I probably end up in urban areas where I can walk to food and other things. Young I have thought about Colorado, Stillwater, or a beach crosses my mind. With the beach I love just having to throw on a T-shirt, shorts, and flip flops. I think it really depends on what my kids end up doing.
 
1

1981grad

Senior
Aug 31, 2016
518
579
93
I retired in June of 2016 and moved to Cedar City, Utah which is located in southwest Utah, and here are the reasons why:

1. I have all of the outdoor activities you could want.
a. Outstanding hiking and hunting
b. Plenty of snowmobiling and ATV opportunities
c. Good fishing
b. If I played golf, I would be within an hour of 10 golf courses
2. It is a small town, approximately 30,000 people, that has a low cost of living
3. Great medical facilities in S. George which is 45 minutes away
4. Great climate

The key to retirement is that you have to keep yourself busy
 
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trapped_in_tx

trapped_in_tx

Heisman
Jul 8, 2001
15,463
21,719
97
I've contemplated splitting time between Wyoming and Arizona, which would require rather humble dwellings in either location unless some things turn out much better than average for me in the next 20 years.

I have plenty of time though so my plans are fluid.
 
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cableok_rivals

All-Conference
Nov 7, 2002
2,642
1,830
0
Probably someplace in Caribbean, but somewhere warm and where I can scuba dive. Almost bought a property in Ambergris Caye (island off Belize) two years ago. May go there, but more likely now Puerto Rico or USVI.
 
Marshal Jim Duncan

Marshal Jim Duncan

Heisman
Dec 22, 2013
32,010
40,039
113
The Duke said:
name your top 3 *financially realistic* retirement destinations. I can’t buy Necker Island, even after the hurricane damage.

My current top 3 (wife and I):
- Santa Fe
- Stillwater
- somewhere in the Hill Country of Texas
Click to expand...
Mine are:

  • Somewhere in the Hill Country of Texas
  • Durango, CO (or possibly Fort Collins)
  • Stillwater
 
The Duke

The Duke

Heisman
May 29, 2001
16,795
51,954
103
Marshal Jim Duncan said:
Mine are:

  • Somewhere in the Hill Country of Texas
  • Durango, CO (or possibly Fort Collins)
  • Stillwater
Click to expand...

I would throw in the Pagosa Springs area as #4. I know Durango is a larger town, hear good things but haven’t been there yet.
 
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BluegrassPoke

BluegrassPoke

Heisman
Dec 10, 2002
41,026
82,085
101
We will retire somewhere between Ft. Meyers and Naples.

Why:

Warm weather
Live off the coast
Not heavily populated
Year round golf
 
C

cableok_rivals

All-Conference
Nov 7, 2002
2,642
1,830
0
BluegrassPoke said:
We will retire somewhere between Ft. Meyers and Naples.

Why:

Warm weather
Live off the coast
Not heavily populated
Year round golf
Click to expand...
Not heavily populated? I guess that is relative.

My father has lived in Bonita Springs for last 25 years. Winter time has a lot of people down there. But beaches are beautiful and lots of great golf.
 
BluegrassPoke

BluegrassPoke

Heisman
Dec 10, 2002
41,026
82,085
101
cableok said:
Not heavily populated? I guess that is relative.

My father has lived in Bonita Springs for last 25 years. Winter time has a lot of people down there. But beaches are beautiful and lots of great golf.
Click to expand...
Bonita Springs and Estero are very nice.

Port Charlotte is also a place we will consider.
 
F

FMPoke

Heisman
Jan 12, 2002
64,965
17,483
113
osu_orangestreak said:
USVI Worried about medical access if something happened
Marco Island
Siesta Key area
Click to expand...

Love Siesta Key but how's the Cost of Living there. Have never paid much attention but it seems like it would be pretty pricey real estate.
 
D

Deepfork

Heisman
May 29, 2001
14,272
13,801
113
I may just stay in Nashville. Pretty much year round golf, lot's of friends, low cost of living, no state income taxes, and great medical facilities.
Other areas I may consider:
Texas
Stillwater/Tulsa
Hot Springs
 
C

cableok_rivals

All-Conference
Nov 7, 2002
2,642
1,830
0
ostate5786 said:
What about Belize safety and medical
Click to expand...
I have vacationed there twice, but both times on the Ambgris Caye island. Appeared very safe to me. Ambergris Caye is the island Madonna sang about in “La Isla Bonita” FWIW.
Currency in Belize is tied to USD, which is convenient. And you can use USD everywhere.

Don’t know about medical.
 
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wyomingosualum

wyomingosualum

Heisman
Sep 2, 2005
9,042
14,939
108
trapped_in_tx said:
I've contemplated splitting time between Wyoming and Arizona, which would require rather humble dwellings in either location unless some things turn out much better than average for me in the next 20 years.

I have plenty of time though so my plans are fluid.
Click to expand...

My wife and I have started talking about this. Her parents live in the Tucson area and we visited them over Christmas break. The weather was spectacular. Once the kids are gone, I can easily envision us dragging the travel trailer down there for a month or more every winter.

I have a buddy in Lake Havasu City. If you live there less than half the year, you don’t get docked for state income tax. He said the state is very proactive about checking utility records and such to see how much time you spend there. Maybe somebody who lives there can provide more info on this,

Anyway, I’m liking the snowbird idea and we are about 4 years out.
 
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BluegrassPoke

BluegrassPoke

Heisman
Dec 10, 2002
41,026
82,085
101
The only international destination I would consider is Vermont/Hermanus, South Africa.

Some of you that know me realize I spend a lot of time in South Africa. I love the people and the pure beauty of the land. Since it is in the Southern Hemisphere I could live in warm weather year round and do whale watching in September. The wine is incredible. My wife is always concerned I will move the family there full time.

The biggest downside is the long *** flight but it is worth it.
 
trapped_in_tx

trapped_in_tx

Heisman
Jul 8, 2001
15,463
21,719
97
Marshal Jim Duncan said:
The city itself? Agreed.
Click to expand...

I've been through a couple times and didn't explore much but this assessment doesn't surprise me.

I have an old friend who lives a bit southwest of town. Out in the woods seems better... Until it's fire season. Not sure I'd want that stress in retirement.
 
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