What I'm planning for retirement is to buy two small houses, one for winter and one for summer. The winter will be Moab, UT. Nice size, sunny and warm and beautiful. Summer will be on the Oregon Coast, I'm thinking Yachats or Newport area, maybe Bandon. I'd love to have Santa Rosa / Sebastopol area on that list, but can't see how that would be affordable with high taxes and cost of living.