We are fortunate to live in the San Francisco Bay Area (Marin County) -- which has to be considered as one of the top ten places to live for a whole variety of reasons. Food, climate, diversity of cultures, arts, hospitals, other entertainment. However, it is also one of the most expensive places in the US to live. Therefore, while we truly love the Bay Area, and will certainly miss it terribly, we are realists and understand that, for retirement purposes, we need to look for another place to live. This is why we are joining this web site -- and are hopeful that it can assist us in making a good decision.