Winter retirement options..not Fl, Mexico, South Amer or Asia
1) 2-4 mths /yr
2) does not have to be hot...winter daytime lows of 10-15c is fine
3) safe and worry-free...I am a conservative traveler with some anxiety issues
4) does not have to be fancy..we only want a modest retirement
5) budget uncertain- 3-4k/mth??