My retirement income is $95,000 a year, and I want a walkable, affordable beach town to spend the winter. Where should I retire?

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My retirement income is $95,000 a year, and I want a walkable, affordable beach town to spend the winter. Where should I retire?
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Where is a beach town we can retire with $95,000 a year?

My wife and I are 58. She will retire at 62 and I at 67. Our annual retirement income at 67 will be approximately $95,000 from Social Security, pensions and investments. We would like to find an affordable, friendly place to rent during the winter months, that is warm and as close as possible to the ocean in the good ‘ole United States of America.

And Travel & Leisure, which named it one of the seven best places to visit in Florida, notes that: “It’s a walkable town, imbued with intrigue; whispers of the past swirl through every cobblestoned alley.” Kiplinger’s adds that St. Augustine has “everything from golf to belly dancing for retirees” as well as “plenty of cultural activities, affordable luxury living, and first-class health care.

You won’t be bored there: “Because Galveston attracts a lot of weekend visitors, there’s always something going on,” writes Kiplinger’s — including annual celebrations like Mardi Gras, the Food and Wine Festival, the Brewmasters Craft Beer Festival, as well as an amusement park, and summertime concerts. Plus, Houston — which has excellent health care and plenty more to do — is under an hour’s drive away. Crime is slightly elevated in Galveston, but there are safer neighborhoods.

You can also find certain neighborhoods that are walkable and plenty of other perks too like a “growing food and live music scene, killer lineup of breweries and almost eternally beach and boat-friendly weather,” writes Thrillist, which calls the quality of life here “appealing.”

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