Or .... you can retire in "another" California - like we did - where:
- there is little-to-reasonable traffic on roads to/from stores between the recommended retired persons shopping hours of 9AM to 3PM Monday through Friday,
- you are 15 miles from a beach that you can camp at all year long,
- you are 20-40 miles from several coastal mountain campgrounds that you can camp at all year long,
- you are 130 miles from the Sierra foothills that you can camp at all year long,
- you are two zero-traffic miles from a fully stocked country grocery store,
- two parcels over is a horse stables with a workout rink,
- two parcles over the other direction is a winery with weekend tastings if you're into that sort of thing,
- each fall you can drive around in the redwoods attending on-site art studio tours within 15 miles of where you live,
- you are still getting fresh apples off your trees in January,
- picking up fresh made (you-bake) pizza is a 15 minute drive through the redwoods,
- you are still eating Granny Smith apples off your trees in January,
- you are still eating out of your garden in October,
- your view out the living room window is lush green canyons,
- your summer high temperatures are most of the time no higher than the 80's with low humidity so you're not sweating to death even on the warm days,
- your winter low temperatures are most of the time no lower than the mid-30's so you don't even have to wrap outside pipes or need only leave them dripping,
- you have no snow,
- you have very little ice on the roads in the dead of winter,
- you never need chains on your vehicles,
- your (ultra-safe) all electric heating can be done fairly inexpensively each month via a heat pump,
- you don't have to garage your vehicles in order for them to start in the winter,
- you have no coastal fog even though you are 12 miles from the coast,
- you have day after day after day of blue skies,
- your hear no traffic or neighbor noise weekdays or weekends,
- your air has no visible pollution in it,
- you are ten miles from a gun range,
- it's only a 60 mile drive to a 90,000+ acre State Park hiking/backpacking/mountain-biking/horseback-riding wilderness with lakes/ponds so under-fished they'll bite on almost anything,
- your health care can be spectacular due to proximity to Silicon Valley and San Francisco Peninsula resources ... most of which fully accept Medicare,
- your property taxes have some exemptions for seniors and increase very little each year due to Proposition 13.
Most of the above retirement advantages/features are "priceless", so even at certain "elevated California pricing" they, IMHO, are a terrific retirement value.