Do you have a place you would like to retire to?
I am quite happy here in Chapel Hill [N.C.]. I'm probably five years away from retirement. For some individuals, climate becomes a major concern. They want to get out of a cold climate into a warmer one. Other people really seek out the comfort of being near family and friends. Some older adults are choosing to move back to the town where they had [working] lives because the need for social supports has turned out to trump the climate variations. Some people make drastic moves when they retire, while others stay in the environment that is familiar to them. When you move, you have to find a new dry cleaner and a good mechanic, and some of those creature comforts are pretty important.