We are in Italy, but that's more because DH is Italian than due to any sound retirement planning (Italy is not cheap as it once was). It's kind of a de facto retirement since DH is trying to get some IT consulting but it's tough if you are starting over; even if you get some project going here, the big trick is getting paid!
So I have to keep a close watch on things and basically pretend like we are retired. If he starts bringing home some bacon, that'll be 'gravy.' (How's that for a twisted metaphor?)