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We want to leave cold Midwest states for ‘warmer and drier climes’ and affordable health care on $44,000 a year — so where should we retire?


My wife and I will be retiring in five years. We have lived in colder northern Midwest states for most of our lives and are ready to live in warmer and drier climes!

We will have an annual combined income of $44,000 from Social Security. We will also have approximately $600,000 total in my 403(b) and traditional IRAs. In addition to a warmer, drier climate, we would like good options for outdoor activities, especially hiking.

We’ll be selling our home in Michigan, which should net about $200,000. We hope to buy with, at most, a very small mortgage. So we plan to keep the total housing expense below $1,000 a month.

We lived in Arizona for a time while in the military and wonder…


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