There is no problem finding a suitable place to spends winters. The problem is I will have to do it on my own and I am not in a financial situation where I can do that. If I had known this was going to happen I would have held off on retiring.

My husband and I have been together for 33 years, married 27. Both are retired. We have no children. The dilemma is that we want entirely different things now that we are retired. I would love to be a "snowbird" and hit the highway toward a warmer cl...