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Old 06-29-2021, 09:01 PM   #61
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Originally Posted by harllee View Post
I was born in NC and lived all my life in NC and Virginia. When I retired I moved to Chapel Hill, NC, home of the University of North Carolina where I had gone to school and taught during part of my career. It is a small town with a large University and an easy drive to larger cities and an airport. I love living in a college town, so much to do for retirees and excellent health care. Cost of living is low compared to most places. The only down side to me was hot summers so I bought a cabin in the NC mountains near Banner Elk so I have the best of all worlds.
I always thought college town was for folks in 20s meaning college students and singles?
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Old 06-29-2021, 09:04 PM   #62
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Retired in the same place we have been living since 1989. On the Connecticut shoreline. Are there cheaper places? Yes. Are there better places? No.
What about state taxes in CT?
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Old 06-29-2021, 09:05 PM   #63
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Originally Posted by Montecfo View Post
Have lived in Texas, Arizona and here in Northern VA (DC area) where we worked and retired in place. Not exactly LCOL but manageable given the benefits.

We will move when we find some place better, we look constantly.
What about Texas?
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Old 06-29-2021, 09:08 PM   #64
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Retired in place in SW NH. We love our property and location and lifestyle and social network. Access to the ocean (albeit 2 hours) the mountains, Boston, Maine, VT etc.etc. We also sill love the snow and hopefully always will.
I hate the heat and would rather put on extra layers in the winter than suffer in the summer. Besides we can always snowbird if necessary.
We do get humidity for several days for a few of the summer months but nothing like many other places. The new mini split A/C unit is fantastic and quiet 9 acres of total privacy yet only 25 minutes to 2 hospitals, college activities, chain stores etc. is ideal to us.
Live literally a 5-10 minute walk from 3 clean lakes and ponds. One has no houses and the loons are nesting on it right now. Kayaked to them yesterday and watched them rotating an egg on the nest. No one around. This is our idea of bliss!
Sounds like you are an outdoor person.
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Old 06-29-2021, 09:09 PM   #65
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SOMD, been here since Jan 1980. This is where friends and family are!!!! Love our house and location on Patuxent River. DW started the snowbird in 2019, i started last year and that is the plan on out. Will stay with dad or SIL/BIL in FLA.
Nice.
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Old 06-29-2021, 09:11 PM   #66
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I moved to the best kept secret in SoCal, Ventura County. Before we met, DW had found a home in a +55 park, and when we married, I moved there from the San Fernando Valley.
The temperatures are much cooler, and the topsoil is great, compared the adobe in the Valley.
Very expensive?
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Old 06-29-2021, 09:11 PM   #67
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What about Texas?
Sorry, we're full.
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Old 06-29-2021, 09:13 PM   #68
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We lived in the San Diego area and chose to retire there. My wife and I were born and raised in So Cal. and it's hard to leave such a vacation destination.

As far as bang for the buck, one nice place that is still relatively inexpensive is North Carolina - Raleigh/Durham, Charlotte and Asheville seem very hospitable and reasonable. Asheville is quite unique. It even has a nice coast - but the weather there can be terrible during hurricane season.
Are you FatFIRE?
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Old 06-29-2021, 09:14 PM   #69
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Sorry, we're full.
We are?
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Old 06-29-2021, 09:15 PM   #70
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We are?
Yes, definitely.
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Old 06-29-2021, 10:26 PM   #71
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You have to pay Federal tax on retirement income?
yup.
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Old 06-29-2021, 11:28 PM   #72
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Are you FatFIRE?
OP, you asked both commentors from San Diego, myself included, if we are FatFIRE. Being new on the forum I had to look up the meaning.

Im curious what the significance of being FatFIRE is to you?
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Old 06-29-2021, 11:43 PM   #73
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OP, you asked both commentors from San Diego, myself included, if we are FatFIRE. Being new on the forum I had to look up the meaning.

Im curious what the significance of being FatFIRE is to you?
None. SD is a very expensive place to live overall. I was just asking in general.
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Old 06-30-2021, 05:16 AM   #74
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Montana is a state almost no one talks about. Itís almost never in the news. I guess itís under rated?
I hope it stays that way. Lol

I had to travel from my home last week. In 93 miles of driving on black top road, I seen 3 vehicles on the road. When I hit interstate system and other state highways it was a different story. I like quite and remoteness.
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Old 06-30-2021, 05:27 AM   #75
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You have to pay Federal tax on retirement income?

Yes, Federal taxes follow you wherever you go.
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Old 06-30-2021, 05:27 AM   #76
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We moved from NY to TX to be close to my family. We live in a small city about an hour outside of Dallas. I thought we'd miss the city life more than we do. We haven't gone into Dallas once for entertainment and we've been here almost eight years now. We used to go into NYC about once a year.
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Old 06-30-2021, 05:31 AM   #77
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I thought state doesnít matter when it comes to Medicare?

How hard was it to give up So Cal?
No the State does not matter, but the ACCESS to the healthcare does. Honestly we have better access here than SoCAL, I think it is simply there are more doctors, Specialists etc. per capita here, but that is observation and from experience here and not fact. We lived near Laguna Beach, and do miss the weather and a couple of good friends, but honestly not much else. The Traffic was ludicrous and the people congestion was getting silly. Especially around the "Y" and Irvine Spectrum.
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Old 06-30-2021, 06:54 AM   #78
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What about Texas?
We will always be Texans but we do not judge that it is a better location for us than Northern VA.
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Old 06-30-2021, 06:59 AM   #79
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What about state taxes in CT?
Not bad actually. For MFJ income of $20k to $100k , the rate is 5%. It goes to 5.5% at 100k, 6.0% at 200k and 6.5% at 400k. Top rate is 6.99% beginning at $1 million.

For AGI < $100k, currently 42% of pension income is not taxed (going up stepwise to 100% in 2025) and 100% of Social Security is excluded from tax.

In any event, I planned for taxes when I planned for retirement. In my opinion, a plan that required me to move somewhere cheaper in order to make the numbers work would not have been a good plan.
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Old 06-30-2021, 07:55 AM   #80
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We will always be Texans but we do not judge that it is a better location for us than Northern VA.
Native Texan here and IMO just about anyplace is better to move to than Texas....
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