Early retirement, retirement planning, cost of living, healthcare, insurance, and retiring in America are all starting to feel different than many of us expected.

I’m 57 and retired, and lately I’ve been asking myself a question I never expected to take seriously: Is America becoming too expensive to retire in?

In this episode, I talk about how rising costs feel different once the paycheck stops — groceries, property taxes, home insurance, auto insurance, healthcare, and everything else that can chip away at retirement confidence.

This is not a political episode. It’s a practical and personal look at how retirement in America feels right now, and why more retirees and near-retirees may be thinking about options they never considered before — moving to a lower-cost state, downsizing, renting, spending part of the year somewhere else, or even retiring abroad.

I’m not saying I’m leaving the United States, although I’ve been thinking about it as a future possibility. I’m not saying everyone should move abroad. But I am saying retirement planning is about more than hitting a number. It’s also about flexibility, quality of life, and whether the place you live still supports the retirement you imagined.

✅Free Resources available on my Patreon!: 

📊Free MAGI calculator Excel template

📊Free 12-Step Early Retirement Planning Checklist

📊Free eBook: ACA Premium Shock Fix, 10 Ways to Pay Less for Marketplace Coverage All Year Long

👉 To get these free downloads, go to my Patreon here: https://www.patreon.com/cw/earlyretirementroadmap then click Join for Free, then click on the Tools collection. You can download any of them there. 

💼 My Favorite Retirement Planning Tool! If you’re serious about planning for retirement, you’ve got to check out Boldin. It’s a powerful tool that helps you map out your financial future—whether you’re a DIY planner or just want to stress-test your retirement strategy.

Disclosure: This is an affiliate link, which means I earn a small commission if you decide to go on the paid plan after a free 2-week trial, or you can remain on the free plan, but I highly recommend the paid plan to use all its robust features! I personally use it for my retirement planning and love it! This link doesn’t cost you anything extra and helps to support the content I create. Thank you!

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DISCLAIMER: This episode is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information.