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What factors are you considering for retirement?

Economic conditions/versatility 

politics. ( sorry- it’s huge)

climate ( tough one - nowhere is perfect and I do like the change of seasons)

ease of travel in and out

population density 

warm, sunny, beaches.  Some island in the Carribean would be nice.  Or maybe Belize.

What factors are you considering for retirement?

Only one at the moment.  When my wife will let me.  I am ready to retire now, but wife is a bit younger and still enjoys her job, where I can't stand mine. But I am not going to retire as long as she is working, as tempting as that is. 

In the process of building my retirement home right now.  The equity in my current house will just about pay off the new house.  That is probably the biggest factor for me. I don't want a house payment in retirement, ease of mind as making a payment wouldn't be a problem.  Never leaving the desert, I like it too much so location is not changing. 

I'm in my location.

I might be as well, or for at least part of the year. 

as far as specific location...

golf cart driving distance from the course

Depends how much money I have.

Ideal would be here in California. Probably either somewhere on the central coast near Paso Robles, or up in Sonoma. Maybe San Diego county, but it's probably too crowded for me, and by the time I retire it'll probably be the southern part of Los Angeles, if it isn't already. 

I know, the politics suck. The taxes suck. The cost of living sucks. I have to hold my nose on those things to live here now. But those are all problems money can solve.

But the climate is perfect. Never too cold, never too humid, not really even ever too hot. The scenery is amazing. Ocean, mountains, desert, etc. There is rich cultural diversity, whether you're interested in the arts, in museums, in cuisine, etc. And in a place like Paso, you're a couple hours drive from all the things you can do in Los Angeles or the Bay Area without actually having to deal with the density of Los Angeles or the Bay Area. 

If I don't have enough money for that, then it gets harder. I don't want to go someplace with constant horrific winter like I grew up in. Someplace like Colorado might be acceptable because they have winter intermittently. I don't want to go to the desert where it's 115 degrees in the summer. My body would rather have cold. I don't want to go someplace humid like Florida. I hate humidity. 

I might consider some sleepy town on the Oregon coast that's driving distance from Portland without being within the Portland housing price market, or similar in Washington in proximity to Seattle. You get some winter there, but bearable winter. 

But it's hard to find a place that checks off all the right boxes.

Cabo?

I worry about political risk there. Even more so than California. 

Then there are personal safety concerns, and questions about adequate medical care, given that I'd be in retirement age where I'm sure my medical needs will increase. 

I've never been there. I'm sure it's lovely. I'd maybe consider it for a vacation. But I don't know if I could get myself over the risk to make it a retirement destination.