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Where Should I Retire...?


Aqua Buddha

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Denver, but I lived up in the Rockies before and enjoyed the solitude of life in a very small town. I saw Denver maybe once between October-May. It was not worth trying to drive down there if there was any kind of snowstorm. 
 

As you want a city though I would say Denver. A childhood friend lives in Castle Rock last I checked and he owns a business in Boulder. He loves being near the mountains, but not so much on being in them.

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On 8/19/2024 at 8:08 AM, Helobious said:

All the people saying they want to live in the CO mountains haven’t spent much time there. Was in Telluride this past month. Pulled into the AirBNB one night, fucking huge ass bear hanging out by the garage, it bolted into the woods when it saw us. I don’t understand wanting to live in the territory of something that can easily eat you, and there’s a ton of them out every night. Not a safe place to live at all. The east and south denver metro make a little more sense. Safer from forest fires and bears, plus the weather is way better.

Yep you would be dead within three days of living in the mountains. If you think black bears are scary, well, yeah that would not be in my top three things to avoid in the mountains. Black bears have no interest in attacking you unless you get between a mom and her cubs. Moose and badgers were far more of a concern to me when I’d set off hiking through a forest or wilderness area.

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Just found this thread. Wife and I have been ramping up the discussions about where we should move, given the dangerous slide of Texas politics away from women's health. My wife has a few health concerns, and we've got a 10 year old daughter, and I'm more and more concerned about their safety here.

 

Denver/Csprings and Eugene are basically our short list. I hadn't really considered the idea of two condos instead of one house, and the wife likes the idea of Santa Fe / Scottsdale in the winters, so that's on the table too (home-base likely still either D/CS or Eugene). Following along for the continued conversation!

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1 hour ago, capnamerca said:

Denver/Csprings and Eugene are basically our short list. 

I assume you've been to Eugene.  I've only recently become acquainted with it since my daughter started school at Oregon.  It has a small town feel, and sort of what I imagine Austin 30-40 years ago--liberal, hip/weird, educated, and mostly white.  It's a beautiful town, and while there are long periods of gray skies and rain, the rain is more of a tolerable mist than a steady downpour.  And the summer/early fall months are gorgeous.  Great if you're into outdoor activities. 

And the only big city around is Portland, which I've heard is a cheap train ride from Eugene.  But I'm not a big fan of Portland.   

It would probably make my list, but the rainy season would bump it down.  I think I'd need more sun throughout the year, and a decent metro area 1-2 hours away.

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1 hour ago, South Austin said:

I assume you've been to Eugene.  I've only recently become acquainted with it since my daughter started school at Oregon.  It has a small town feel, and sort of what I imagine Austin 30-40 years ago--liberal, hip/weird, educated, and mostly white.  It's a beautiful town, and while there are long periods of gray skies and rain, the rain is more of a tolerable mist than a steady downpour.  And the summer/early fall months are gorgeous.  Great if you're into outdoor activities. 

And the only big city around is Portland, which I've heard is a cheap train ride from Eugene.  But I'm not a big fan of Portland.   

It would probably make my list, but the rainy season would bump it down.  I think I'd need more sun throughout the year, and a decent metro area 1-2 hours away.

We lived there for six weeks last year, just in a long-term AirBnB. Your read on it is pretty spot-on. It's not NEARLY as dreary as Seattle or Portland, although still definitely in the PacNW. It's also inland, actually in a bit of a valley, which moderates the weather quite a bit. Eugene pretty regularly gets up into the 90's in the summer, and even hit 100 fora couple of days we were there. 

Amazing vibe to the town, incredibly friendly, etc. I found the airport perfectly serviceable - effectively two flights a day on each of the 4 major airlines, to a hub. So Seattle (Alaska), SF / Denver (United), DFW (American), and SLC (Delta), plus some regional carrier stuff. Not super-connected, but not off the grid either. 

I'm looking at it as a retirement conversation, so where can we perhaps build our ideal house without needing to care about schools. 

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1 hour ago, capnamerca said:

It's not NEARLY as dreary as Seattle or Portland, although still definitely in the PacNW. It's also inland, actually in a bit of a valley, which moderates the weather quite a bit.

I was a bit worried that my Texas daughter would have a rough adjustment to the Oregon climate.  But so far her first year in, it does seem much more moderate than Portland and other parts of the PNW.  And even during the rainy season, there are days here and there when Eugene gets some nice sunny days.  

I told her that the key is to force yourself to go outside in the rain and just get used to being wet (#thatswhatshesaid).  The instinct for Texans by and large is to stay in when it rains because that happens so rarely.  If you do that in Oregon, the seasonal affective disorder and isolation can really kick in.  She's taken that to heart, and she does spend a lot of time out and about.

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3 minutes ago, South Austin said:

told her that the key is to force yourself to go outside in the rain and just get used to being wet (#thatswhatshesaid).  The instinct for Texans by and large is to stay in when it rains because that happens so rarely.  If you do that in Oregon, the seasonal affective disorder and isolation can really kick in.  She's taken that to heart, and she does spend a lot of time out and about.

This was a thing we really noticed; the foot traffic didn't slow down AT ALL when it rained. Folks all seemed to own a good rainjacket and good duckboots or the like. So when the rain showed up, they just dressed appropriately and went about their day. It was awesome.

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On 8/26/2024 at 10:21 AM, crash_davis said:

Key comments from the reddit thread.


Echochamberking
It has a dry climate, the infrastructure is lousy, the area is poor but in exchange you would live in a quiet area with more or less good internet connectivity and probably the best ham in the world.

image.gif.ab57d0791a9a8e9baae5bb9253752824.gif

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Yep you would be dead within three days of living in the mountains. If you think black bears are scary, well, yeah that would not be in my top three things to avoid in the mountains. Black bears have no interest in attacking you unless you get between a mom and her cubs. Moose and badgers were far more of a concern to me when I’d set off hiking through a forest or wilderness area.
I've Newberry seen a badger, but moose and mountain lions are a much bigger threat to you and your pets than bears.
Castle Rock to Boulder is an interesting choice, between domicile and business.
And by interesting you mean dumb, right? Because it's dumb.
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This was a thing we really noticed; the foot traffic didn't slow down AT ALL when it rained. Folks all seemed to own a good rainjacket and good duckboots or the like. So when the rain showed up, they just dressed appropriately and went about their day. It was awesome.
Same for places that get lots of snow and cold. You just adapt and keep going.
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Just spent a week in Colorado and having back to back weeks of 30-something degrees between CO and TX, I finally could tell that 30 degrees in Texas is so much worse. Never once felt cold in CO. Even when it was 18 degrees one day when we were skiing, it was perfectly fine. The lack of humidity is huge.

My uncle grew up in Glenwood Springs and he always said cold days in TX were way worse than the same temp in CO. Until I experienced it immediately back to back, I didn’t realize how big of a difference it actually was.

Only 7 more years until we move to Fort Collins.

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13 hours ago, Iceman said:

Castle Rock to Boulder is an interesting choice, between domicile and business.

If memory serves correct when I was last there years ago he was in a partnership running several Burger King locations. I am guessing he got out of that because I also saw he had some fast food place he opened in Utah I believe. I only saw the Boulder one because I saw him in a photo with Shedeur Sanders doing a merchandise signing/NIL thing I believe. I think his oldest is now a cheerleader at CU as well so maybe makes sense to have his restaurant there. He’s a smart guy insofar as running that kind of restaurant so I would gander he’s probably doing really well.

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53 minutes ago, Chewbacca said:

I've Newberry seen a badger, but moose and mountain lions are a much bigger threat to you and your pets than bears.
 

And by interesting you mean dumb, right? Because it's dumb.

Saw plenty of them where I was at. Watched one from afar one day while taking a break from fishing that was destroying everything nearby. Guessing a mother maybe defending her turf. Mountain lions I just took as part of the deal of living there. They would see me well before I saw them. Moose if I ever heard one rumbling somewhere in the forest I was out. No way no how was I getting caught trying to get clear of them. I always just tried to respect the wilderness and let it be. The bear thing though with Helo is funny. They are not looking to eat people. Just steer clear of mom when she has cubs and you’re good.

I have no idea if he commutes back and forth. For all I know he moved up there. His house was pretty cool in Castle Rock though so who knows. Years ago I used to broadcast high school football games with his dad when I was in college. Might should call his dad and see how they’re all doing since his dad is nearing 80 now.

Edited by UpperWestside
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Saw plenty of them where I was at. Watched one from afar one day while taking a break from fishing that was destroying everything nearby. Guessing a mother maybe defending her turf. Mountain lions I just took as part of the deal of living there. They would see me well before I saw them. Moose if I ever heard one rumbling somewhere in the forest I was out. No way no how was I getting caught trying to get clear of them. I always just tried to respect the wilderness and let it be. The bear thing though with Helo is funny. They are not looking to eat people. Just steer clear of mom when she has cubs and you’re good.
I have no idea if he commutes back and forth. For all I know he moved up there. His house was pretty cool in Castle Rock though so who knows. Years ago I used to broadcast high school football games with his dad when I was in college. Might should call his dad and see how they’re all doing since his dad is nearing 80 now.
Where were you with the badgers? That's damn cool.
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8 minutes ago, Chewbacca said:
14 minutes ago, UpperWestside said:
Saw plenty of them where I was at. Watched one from afar one day while taking a break from fishing that was destroying everything nearby. Guessing a mother maybe defending her turf. Mountain lions I just took as part of the deal of living there. They would see me well before I saw them. Moose if I ever heard one rumbling somewhere in the forest I was out. No way no how was I getting caught trying to get clear of them. I always just tried to respect the wilderness and let it be. The bear thing though with Helo is funny. They are not looking to eat people. Just steer clear of mom when she has cubs and you’re good.
I have no idea if he commutes back and forth. For all I know he moved up there. His house was pretty cool in Castle Rock though so who knows. Years ago I used to broadcast high school football games with his dad when I was in college. Might should call his dad and see how they’re all doing since his dad is nearing 80 now.

Where were you with the badgers? That's damn cool.

South Park. There was an area not far from Hartsel that had them called Badger Basin on the northeast side of Spinney. The one causing the commotion was at Spinney as well. I was sitting in the General Store while it was having a field day. My high school mascot was a badger and I had first seen one in the 5th grade. Someone brought one to the atrium and it proceeded to destroy it. That was all it took for me to understand those were animals to just leave alone if I ever saw them again. 

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23 minutes ago, Aqua Buddha said:

Article about Spain:

https://www.msn.com/en-us/travel/europe-travel/americans-are-flocking-to-spain-despite-end-of-golden-visas/ar-BB1rdtxI

There were roughly 41,000 Americans living in Spain in June, a 39% increase from three years ago and double the number from 2014.

That's way less than I would have imagined. I think there are 40,000 Americans in London alone. 

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26 minutes ago, VABuckeye said:

Despite the end of the golden visa it's still a good place to retire.  Portugal as well.

I don't know the details but it's somewhat easier to get a visa through Portugal, which then applies to the rest of the EU.  We knew some people that were looking into that but he got German citizenship only because his mother was born there way back when.  It's something they do but it only links to the mother and I don't know why.

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19 hours ago, CooterBrown said:

Just spent a week in Colorado and having back to back weeks of 30-something degrees between CO and TX, I finally could tell that 30 degrees in Texas is so much worse. Never once felt cold in CO. Even when it was 18 degrees one day when we were skiing, it was perfectly fine. The lack of humidity is huge.

My uncle grew up in Glenwood Springs and he always said cold days in TX were way worse than the same temp in CO. Until I experienced it immediately back to back, I didn’t realize how big of a difference it actually was.

Only 7 more years until we move to Fort Collins.

I'm shopping Fort Collins right now and you might want to bring that timeline forward a bit... or buy sometime in the next three years. Opening FNL will be massive for the area.

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17 minutes ago, Gravy Train said:

I'm shopping Fort Collins right now and you might want to bring that timeline forward a bit... or buy sometime in the next three years. Opening FNL will be massive for the area.

Unfortunately, we are waiting on my wife retiring from the state.  My job is portable so I can live anywhere.  I guess if the legislature destroys public schools in the next session, we may just say fuck it and bail early so my youngest can spend her last 6 years getting educated.

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I'm shopping Fort Collins right now and you might want to bring that timeline forward a bit... or buy sometime in the next three years. Opening FNL will be massive for the area.

For the uninitiated, what is FNL?
I’m retired and wife is doing same in 4 months. We gonna long travel to about 6 places to see where we want to go and Fort Collins is on the list.
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21 minutes ago, CooterBrown said:

Unfortunately, we are waiting on my wife retiring from the state.  My job is portable so I can live anywhere.  I guess if the legislature destroys public schools in the next session, we may just say fuck it and bail early so my youngest can spend her last 6 years getting educated.

I think that's a better idea, she'll have a chance to start fresh before high school, and you have a robust UC-Health system nearby for her future career options.

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12 minutes ago, txduck87 said:


For the uninitiated, what is FNL?
I’m retired and wife is doing same in 4 months. We gonna long travel to about 6 places to see where we want to go and Fort Collins is on the list.

FNL is the Northern Colorado Regional airport, in Loveland.  It used to accomodate light commercial travel, but was shuttered through Covid.  Last year, it received Federal infrastructure grants to widen the runways (accomodating 737 bodies), opened two new gates in a freshly-renovated terminal, and has a project underway for an advanced, semi-automated control tower.  

There's a ton of tilt-wall commercial construction going on around the airport in Loveland, along with a massive, new, and mothballed Amazon Warehouse.  If it attracts commercial and business commuter travel, I can see the area blowing up if/when economic conditions ripen.  For now, the same job pays 20% more in the Denver Metro area, despite home prices fetching similar money.  

You'll want to be in Fort Collins or Loveland for tax diversity.  Windsor and Timnath are going to be built out 90+% residential with most new neighborhoods adding a metro (MUD) taxing district, tied to a 20-year bond package.  Fort Collins proper is already 70% developed, and with I-25 opening the inner tolling lanes, I can see future development fill out the Front Range from Berthoud to Wellington.

Edited by Gravy Train
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23 hours ago, Gravy Train said:

FNL is the Northern Colorado Regional airport, in Loveland.  It used to accomodate light commercial travel, but was shuttered through Covid.  Last year, it received Federal infrastructure grants to widen the runways (accomodating 737 bodies), opened two new gates in a freshly-renovated terminal, and has a project underway for an advanced, semi-automated control tower.  

There's a ton of tilt-wall commercial construction going on around the airport in Loveland, along with a massive, new, and mothballed Amazon Warehouse.  If it attracts commercial and business commuter travel, I can see the area blowing up if/when economic conditions ripen.  For now, the same job pays 20% more in the Denver Metro area, despite home prices fetching similar money.  

You'll want to be in Fort Collins or Loveland for tax diversity.  Windsor and Timnath are going to be built out 90+% residential with most new neighborhoods adding a metro (MUD) taxing district, tied to a 20-year bond package.  Fort Collins proper is already 70% developed, and with I-25 opening the inner tolling lanes, I can see future development fill out the Front Range from Berthoud to Wellington.

Last I heard the Loveland amazon facility is supposed to open during the first half of this year. It looks finished from the outside but I guess work is ongoing inside. (it wasn't one targeted for delay or closure afaik).

Metro Districts are like MUDs in Texas, as you pointed out, although MUDs have greater state government regulation. For example a developer has control over a Metro District even once a subdivision is largely built out. Personally I'd consider buying in a Metro District only if it had a 20 year track record. 

The FNL airport - afaik whether it will be used in the near-term for commercial flights is up in the air. Will an airline want to use an automated tower? Will the FAA allow it? I don't believe those answers are known. Nevertheless local government officials are building the facilities.  

We bought in Fort Collins about 4 years ago. I can't imagine a better place in the US to live but I felt the same way about Austin 30 years ago.

As it happens, we're also "invested" in the Portugal golden visa program. We were kicking it around and then felt like it was time to shit or get off the pot when the gov't of Portugal said they were ending the program. All that ended up happening was they made it more expensive for others, and then they made it easier to qualify for citizenship and get our initial investment back. In about 3.5 years we'll be eligible to apply for citizenship. We're waiting but in no hurry to be offered the opportunity for residency...that could come within a year but I doubt we'll exercise that right. Interest rates here (visiting PT now) are like 3% for mortgages so it'd be pretty tempting if I knew where I wanted to buy.

 

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On 1/9/2025 at 4:09 PM, Mo Horn said:

100% true. Jamon Iberico is the best bite of food in the world. 

And I know a place in Boulder that has it.

 

Just stumbled upon this thread. The youngest is a jr in HS. I'm probably not retiring until he actually launches, so 6 years, which would have me staring down 60.

My oldest is in school at ASU and my sister lives in Phoenix. Coworkers all over greater PHX. Nobody likes the summer. 

Son plans to move to Ft Collins or thereabout when he graduates ASU. Youngest son had interest in CU Boulder (probably because of Prime mania and nothing else). I have co-workers and customers in DEN area, so have spent time there.

Having said all of that, PHX and DEN are the top two spots I would consider. Raleigh is 3rd.

The problem is I like the beach and want to be close to it. So does Mrs. Slacks.

I'm going to try to check out S. Carolina this summer. 

I should buy a place in Costa Rica while I still can.

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1 hour ago, Chopper said:

We bought in Fort Collins about 4 years ago. I can't imagine a better place in the US to live but I felt the same way about Austin 30 years ago.

As it happens, we're also "invested" in the Portugal golden visa program. We were kicking it around and then felt like it was time to shit or get off the pot when the gov't of Portugal said they were ending the program. All that ended up happening was they made it more expensive for others, and then they made it easier to qualify for citizenship and get our initial investment back. In about 3.5 years we'll be eligible to apply for citizenship. We're waiting but in no hurry to be offered the opportunity for residency...that could come within a year but I doubt we'll exercise that right. Interest rates here (visiting PT now) are like 3% for mortgages so it'd be pretty tempting if I knew where I wanted to buy.

Sounds like I should pick your brain over the few neighborhoods I've been targeting in FoCo.  I thought Portugal's visa system was among the easiest to get into the EU, but are Spain's or Italy's improving beyond their 'digital nomad' programs?

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On 1/9/2025 at 7:21 PM, Chewbacca said:
On 1/9/2025 at 1:55 PM, capnamerca said:
This was a thing we really noticed; the foot traffic didn't slow down AT ALL when it rained. Folks all seemed to own a good rainjacket and good duckboots or the like. So when the rain showed up, they just dressed appropriately and went about their day. It was awesome.

Same for places that get lots of snow and cold. You just adapt and keep going.

ha! i remember the first time we were out and heavy snow started while we were in the movie theater...come out to at least 2-3 inches fresh snow on the car, we're newbies so were all 'ohhh drive home will be interesting!' proceed down Colfax from downtown, all the way home and it's packed, Saturday night, cars and people out everywhere. we were impressed 😁

On 1/9/2025 at 7:27 PM, CooterBrown said:

Just spent a week in Colorado and having back to back weeks of 30-something degrees between CO and TX, I finally could tell that 30 degrees in Texas is so much worse. Never once felt cold in CO. Even when it was 18 degrees one day when we were skiing, it was perfectly fine. The lack of humidity is huge.

My uncle grew up in Glenwood Springs and he always said cold days in TX were way worse than the same temp in CO. Until I experienced it immediately back to back, I didn’t realize how big of a difference it actually was.

Only 7 more years until we move to Fort Collins.

yes somehow the dry air makes both the heat cooler and the cold warmer 🙃

Edited by mchookem
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and now that we've been here a whole 2 1/2 years, i can officially advise of this...i never had an allergy problem in Austin. the occasional mild flare up when mold got a bit high, but not even a sneeze during cedar season. 

but i am now on a prescription allergy pill bc i literally spent like 5 months sneezing last year and finally had to do something, i was popping benadryl like candy! that's the extent of my symptoms- sneezing - but when you do it 12 times in a row 5 times a day... fuck that noise 🤧😬

so...yeah, i think something about the drier air keeps the pollen/allergens flying year round around here. still worth it. 😊

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I have horrible allergies in Texas, so escaping allergies would be a minor goal if we leave Texas. I never seem to have allergies when visiting Colorado but the dry air usually gives me chapped lips and pretty dry skin. Denver is an option on our list but that’s a small concern for me.

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8 hours ago, Gravy Train said:

Sounds like I should pick your brain over the few neighborhoods I've been targeting in FoCo.  I thought Portugal's visa system was among the easiest to get into the EU, but are Spain's or Italy's improving beyond their 'digital nomad' programs?

Definitely happy to try to help. Portugal's system is straight forward but they stopped processing biometric appointments (basically obtaining your fingerprints and giving the final okay for residency) about a year ago. In the meantime some people have successfully sued and obtained residency through the court. There was formerly a 5 year waiting period between residency and qualification for citizenship but they shortened it to start from the initial time of investment, at least for those of us who had already invested. In retrospect Spain's program was more streamlined.

2 hours ago, wild_turkey said:

I have horrible allergies in Texas, so escaping allergies would be a minor goal if we leave Texas. I never seem to have allergies when visiting Colorado but the dry air usually gives me chapped lips and pretty dry skin. Denver is an option on our list but that’s a small concern for me.

Same. We had a whole house steam humidifier installed that we turn on around October. It's been fantastic.

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6 hours ago, mchookem said:

and now that we've been here a whole 2 1/2 years, i can officially advise of this...i never had an allergy problem in Austin. the occasional mild flare up when mold got a bit high, but not even a sneeze during cedar season. 

but i am now on a prescription allergy pill bc i literally spent like 5 months sneezing last year and finally had to do something, i was popping benadryl like candy! that's the extent of my symptoms- sneezing - but when you do it 12 times in a row 5 times a day... fuck that noise 🤧😬

so...yeah, i think something about the drier air keeps the pollen/allergens flying year round around here. still worth it. 😊

You might be the only person on the planet that got more allergies moving away from central Texas. ‘Grats

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8 hours ago, mchookem said:

and now that we've been here a whole 2 1/2 years, i can officially advise of this...i never had an allergy problem in Austin. the occasional mild flare up when mold got a bit high, but not even a sneeze during cedar season. 

but i am now on a prescription allergy pill bc i literally spent like 5 months sneezing last year and finally had to do something, i was popping benadryl like candy! that's the extent of my symptoms- sneezing - but when you do it 12 times in a row 5 times a day... fuck that noise 🤧😬

so...yeah, i think something about the drier air keeps the pollen/allergens flying year round around here. still worth it. 😊

Opposite for me. I start sneezing as soon as I get within 30 minutes of Austin, and I've never even noticed allergies in Denver/Boulder. 

Cedar is the devil.

Edited by Slacks
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On 1/9/2025 at 12:55 PM, capnamerca said:

This was a thing we really noticed; the foot traffic didn't slow down AT ALL when it rained. Folks all seemed to own a good rainjacket and good duckboots or the like. So when the rain showed up, they just dressed appropriately and went about their day. It was awesome.

Oregon has 8.75% income tax, but no sales tax.  Which changes retirement calculations.

I’d spend a winter or two anywhere in Eugene before getting it into your head that the weather is much different from Portland.

Also if world traveling in retirement is desirable, Eugene will make that harder than Denver.

Edited by Incredulity
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11 hours ago, mchookem said:

and now that we've been here a whole 2 1/2 years, i can officially advise of this...i never had an allergy problem in Austin. the occasional mild flare up when mold got a bit high, but not even a sneeze during cedar season. 

but i am now on a prescription allergy pill bc i literally spent like 5 months sneezing last year and finally had to do something, i was popping benadryl like candy! that's the extent of my symptoms- sneezing - but when you do it 12 times in a row 5 times a day... fuck that noise 🤧😬

so...yeah, i think something about the drier air keeps the pollen/allergens flying year round around here. still worth it. 😊

You’re doing it backwards. 

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