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Old 12-30-2020, 06:58 PM   #41
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I didn't move, but I think one key recommendation in these threads is not to move right before, or right after, retiring. Give it a year. Travel, maybe test run the areas with an AirBnB or extended hotel stay.

The greener pasture, viewed when still working, might not be the same one you want after you've retired.
Exactly our plan! We're about 2 years away from retiring and we're starting to throw around ideas about where retirement might be - and one of the first things we though of was to test-drive different areas via AirBnB/VRBO/Homeaway/etc. and live sort-of like a local for an extended period first.
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Old 12-30-2020, 07:12 PM   #42
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Part of the reason we retired early was so we could move away from the city where we lived. It was a mid-sized, Midwestern city with nothing much to recommend it. The only thing keeping us there was our jobs. We were originally planning on moving out West - maybe Colorado or Oregon - but we found it hard to make a decision with so many options on the table. So instead we ended up buying a house less than 300 miles away in an area we knew well from many long weekends away and it was one of the best things we ever did. We like the outdoors and there is much more to do here than in our previous location (spent this afternoon cross country skiing, for example). We have made good friends here since we have more in common with the people in this area than we ever did in our previous place. I still work 400 hours or so for my long time employer (so technically I am only 80% retired��), but I do that completely remotely.

The only real downside is we are further away from a major airport so that makes trips a little less convenient - but it’s a small price to pay. Cost of living is similar so that wasn’t really a concern.
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Old 12-30-2020, 08:39 PM   #43
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If you moved just before or after retirement, why did you move and how has it worked out for you?
In 2006 we decided to move to Springfield, Missouri right after our late 2009 retirements. During 2010 we fixed up our houses to sell, put them on the market, and then changed our minds and took them back off the market.

We never moved. Here are our reasons, and why we didn't move after all:

(1) I think that subconsciously, a big part of our motivation to move was a desire to get away from the workplace and those we worked with. After we retired that motivation vanished.

(2) Another reason to move was bad hurricanes (like Katrina), but we have had none since we retired. Meanwhile Springfield had a bad ice storm and Joplin (near Springfield) had an awful tornado, illustrating to us that no place is free of natural disasters. So this motivation isn't as strong now as it was.

(3) And finally, another reason to get out of New Orleans was the crime here, which still is not great, but at least it does not seem to be any worse in our neighborhood.

I was still ready to move in 2010 but Frank changed his mind and said he thought we'd be happier here. He was right! Springfield is a lovely town (for us), but we are happy right where we are so there really is no reason to move.

About a year after we decided to stay, I realized that I was feeling wistful about not moving, because I was not getting to look for and move into my Dream Home for retirement. So, I did that right here in New Orleans. I spent a few years looking for that Dream Home, and in 2015 I found and bought it in cash. It is everything I always wanted, and right next door to Frank as well. Dreams really can come true.
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Old 12-30-2020, 09:29 PM   #44
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We moved from Colorado to Florida less than 3 weeks after my last day on the job. We had visited our new location several times before the move so it was not impulsive at all.

One thing I will say about Florida summers. Yes itís hot and humid, but I adjusted my hours a bit and play golf, pickleball, or softball 7 days a week during the morning hours. Iím home by around 11am, have lunch, maybe go to the pool in the afternoon if itís not raining. And it cools off some later in the evenings for a nice walk.

All told, Iím WAY more active in Florida during summer than I could be in Colorado during winter. So no regrets here about moving right after FIRE or for moving cross country to Florida.
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Old 12-30-2020, 09:54 PM   #45
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Eight years after my retirement, we moved from central AR to NW AR--150 miles. We had talked about retiring to this area for years.

Our daughter called while we were visiting youngest son in San Francisco and announced she was taking a job in NW Arkansas. I remember saying, If you're going, we're going. That was the motivation we needed to start the pain-in-the-neck moving/selling/buying thing.

Although we settled in just before COVID restrictions began and we have yet to join in the old folks opportunities that abound, we love it here. The only people we visit with regularly are the couple next door.

It is great living in the beautiful Ozarks -- no regrets.
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Old 01-02-2021, 12:26 PM   #46
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We moved a couple of years after retirement. We took several vacations in Texas and Florida trying to decide where to go. We ended up in Florida due to the milder winters. We moved from The St. Louis area as I just didn’t like the cold. I can take the heat. We do try and vacation up north around July and August.

We moved down in 2014, I’m afraid it’s about full down here now.
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Old 01-02-2021, 07:53 PM   #47
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Our three kids have already left the nest and are scattered all over, i.e Seattle, Phoenix, and DC. We are considering a move from Houston to CA mainly to be near family/nice weather/more outdoor activities. I know about HCOL and CA taxes, but I want to live where I can enjoy this new phase instead of just saving up more money. Have been there many times but will rent before we buy.
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Old 01-02-2021, 08:13 PM   #48
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Our three kids have already left the nest and are scattered all over, i.e Seattle, Phoenix, and DC. We are considering a move from Houston to CA mainly to be near family/nice weather/more outdoor activities. I know about HCOL and CA taxes, but I want to live where I can enjoy this new phase instead of just saving up more money. Have been there many times but will rent before we buy.
Consider Ventura County, the best kept secret in So Cal. It is out of the LA/ Orange County orbit. The climate is mild, and I have been living here for 13 years and love it.
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Old 01-03-2021, 02:57 PM   #49
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Thanks. Will check it out.
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Old 01-05-2021, 03:35 PM   #50
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3. Be sure to consider the long haul. One example would be medical care. With all due respect to the Hawaiian residents/transplants, I know several 70+ yo friends here in Cali who left Hawaii due to lack/scarcity of specialty care.
On Oahu, we haven't experienced issues with specialty care, but do know a couple of folks who decided to seek treatment options on the mainland. Having said that, the outer Islands do have relatively limited care options. Many folks have to travel to Oahu for their care. Options are improving on other islands, but Oahu is still the go-to Island for more complete care.

We have made "peace" with the possibility that we might have to return to the mainland under very specific situations of health care. The good news for us is that we can do that relatively easily as we have maintained one foot on the mainland.

Additionally, we have done some looking on the mainland in case we would ever need long-term care. Such care in the Islands is even more expensive than in many mainland areas. We sort of joke about "once you're stuck in a care home, who cares if it's in Hawaii or North Dakota" (no offense to ND!!) YMMV
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Old 01-05-2021, 03:42 PM   #51
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On Oahu, we haven't experienced issues with specialty care, but do know a couple of folks who decided to seek treatment options on the mainland. Having said that, the outer Islands do have relatively limited care options. Many folks have to travel to Oahu for their care. Options are improving on other islands, but Oahu is still the go-to Island for more complete care. YMMV
+1. We do have specialists who fly over from Oahu for routine visits. But my retinal specialist doesn't, because he doesn't have his lasers and other equipment here. So I'm having to fly to Oahu twice a year, just to see him! Definitely makes me think that I'll need to move somewhere besides Hawaii Island by the time I turn 70+ or 75. We'll have to wait to see how the health is by then. Fortunately, I have 15-20 years before then if no new major health problems arise.
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Old 01-05-2021, 03:47 PM   #52
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Somewhat unexpectedly, we moved this fall. About 30 miles away from where we were (townhouse in city-like suburb to house with big deck in nice, green, less-traffic suburb). I am retiring at the end of this year. We were going to move in a few years, but with me teleworking 100% of the time and my DH already retired, we starting talking about "where".

And the more we talked, the more we realized that we like "here" (northern VA), we just needed a different location/set up. So, we found one. As much as I love the West, my whole family is on the east coast; realistically we wouldn't move that far away....

We love it so far; if not for the whole COVID situation, we'd still be in our townhouse. We are much happier in the new place. So, now our plan is to stay in this area during retirement, with lots of traveling (which we were going to do no matter where we lived).
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Old 01-05-2021, 04:05 PM   #53
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On the first day of September 2009 (my official last day), DW picked me up at the office, and we drove nonstop from Chicago to South Carolina. Never looked back.


This is very similar to what I did. I moved 1500 miles from NM to OH. Left NM on the same day as my last day of work. No regrets at all, do not miss NM. Never intended to have NM as my retirement location. I grew up in CA, but don't want to live there now. Lived around the country for work in 7 different cities (5 states), plus my work travels, so I have seen a lot of the USA.



Moved to OH to be near family. Built a new house and a big detached garage, we are happy here. My only real complaint is the weather is not the best, I prefer warmer winters. Last winter we did a bit of snowbirding south for 2.5 months. I see that becoming more common next year and beyond.
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Old 01-05-2021, 04:33 PM   #54
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If you moved just before or after retirement, why did you move and how has it worked out for you?

I keep toying with the idea of moving from CA to FL for hopefully lower cost of living and entertainment options (thinking Orlando area). Part of me thinks this is an awful idea because we don't have friends or family in the area and I will melt in the summer heat but I can't stop thinking about it. Watching videos of how much house I can get for my money doesn't help.

Any thoughts, suggestions?
I moved from NY to FL in 2000. Ft Lauderdale area. I love it. Is it perfect? Nothing is. But I like my life here. And I love not being cold.
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Old 01-05-2021, 04:50 PM   #55
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Totally agree with trying before buying if possible! We are planning to take 1-2 yrs after retirement to travel and figure out where we want to set down new roots. Plan to leave Bay Area and find something coastal or PNW.

Question for the group - any advice on how to leverage equity in existing primary residence to purchase new residence? Sell, move, rent until buy? Bridge loan? Short term mortgage? Curious. Happy to start a new thread if that's more appropriate.
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Old 01-05-2021, 04:55 PM   #56
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We moved from high cost / high tax NY to low-cost DE within a few months of retirement. Like you, we didnít know a soul, but took multiple trips to the area to make sure we knew what were were doing and to pick the right community. We did pick new construction in a new development, as we figured that everyone would be new and looking to make friends. Covid social restrictions have tested that a bit (!) but it has worked out well and we are glad we made the move.
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Old 01-05-2021, 05:08 PM   #57
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Story told more than once: We moved to HI from the midwest after FIRE. It certainly was NOT for the lower COL (though lower taxes have been a surprise benefit.) Mostly, we were tired of winter, tired of corn fields, tired of hot/sticky summers, tired of prairie and frozen tundra. We considered FL and SoCal but they STILL have winters there. Now we have neither AC nor heat. We have a Million Dollar view of the vast Pacific (heh, heh, cost less than half that). We have beautiful mountains, all the beaches we could ever walk, mostly nice neighbors, Costco, etc. etc.

We visited a dozen times (up to 6 weeks at a time.) So we DID do a good trial run before moving. That's important as I don't know but a couple of folks who have moved FROM the mainland to HI and have stayed longer than we have. Everyone else has returned after 3 months to 5 years. Let's face it, 600 square miles (Oahu) or even 4000 square miles (Big Island) ain't that big. (My old county was 400 square miles and it was surrounded by the rest of the mainland!) So, it takes a certain "attitude" to make it here (and that doesn't include the much higher COL - though there are always ways around most of the issues caused by the higher prices - I've never eaten a fresh blueberry here, but lots of frozen ones, etc. etc.)

All in, we are very happy with our move after 13 years. Until Covid, we returned to the midwest each year for a good portion of the summer. I'd say the main two things that bother me in our current location are traffic and the one-party political system (it could be EITHER party to be a problem.) YMMV
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Old 01-05-2021, 05:08 PM   #58
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Thinking about the sage advice to test drive a potential retirement location for a couple of months. Can I ask those who have done this about the practical aspects? Is it easy to find a short term rental that would have most things set up (e.g. furniture, dishes, internet, cable)? If in a 55+ community, would it be possible to have access to the clubhouse or activities (though it may be severely curtailed right now)?
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Old 01-05-2021, 05:10 PM   #59
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We moved to Florida two years ago from Connecticut.
We live in Venice on the west coast. We live in a resort community and our busy everyday with biking, pickleball and concerts. We love the weather and actually enjoy summers here because of the fewer people. Sure itís hot but you can still do activities early in the morning or go swimming . We have a core group of friends and are never lonely. We visit our children in summers and canít wait to start traveling again.
I would highly recommend coming down and get a feel for the area.
We visited this area for many years and knew where we would end up prior to retirement.
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Old 01-05-2021, 05:16 PM   #60
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DH and I met in a business math class in SoCal, married 3-1/2 years later, and after 3 years of marriage, we got transferred, kicking and screaming, away from our home and families up to the San Francisco Bay Area.

After 32 years up there, we came back to SoCal, a little further inland. We left as newlyweds and returned as middle-aged retirees.

After nearly 7 years back down here, though we love our new home, we are thinking of going back to my home stateóREWahooís dire warnings notwithstandingóbecause that is where most of our remaining kinfolk live.

We miss family.
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