Retirees in small towns often don’t struggle to decide where to spend their retirement. They’re rooted where they are, surrounded by family and lifelong friends. Some even return to their hometowns when they retire.

If that’s you, consider yourself fortunate. Elsewhere, retirees are bouncing between states and cities, searching for the perfect spot. Some try Florida only to find it too far from family, leading them to move closer, perhaps to places like Tennessee. Others build dream homes in remote areas like northern Georgia, only to feel isolated and struggle to make new friends. A common tale involves retirees moving to be near adult children, only to find that their kids’ lives are too busy to recreate the family closeness they envisioned.

Housing costs add to the challenge. For those who can afford to split their time—like snowbirds who alternate between New York and Florida—it’s a rewarding balance, but it’s not feasible for everyone.

Take The Villages in Florida, touted by many as the ultimate retirement spot. This sprawling 55+ community covers more than 32 square miles with over 60,000 households and offers endless amenities: golf, concerts, restaurants, and even Senior Olympics. Although it’s a paradise for many, drawbacks include limited diversity and a largely conservative culture. Still, with entertainment costs averaging just $200 a month and no HOA fees, it’s an attractive option.

Another challenge for retirees is downsizing. Many hope to sell their family homes only to find that smaller homes often cost just as much, leaving fewer affordable options. Economists note that more retirees are choosing to “age in place,” staying in their current homes. However, limited availability of smaller, affordable homes has created bottlenecks in the housing market, affecting young families and older adults alike.

Some retirees are exploring international options where living costs are lower. France, Colombia, Greece, and Mexico are increasingly popular with Americans seeking affordable, beautiful places to retire.

As for us? My husband and I are still on the hunt for the ideal spot. Somewhere with 75-degree weather, year-round hunting, great hospitals, fresh local food, low taxes, and no traffic jams would be perfect. Maybe that’s a bit of heaven—and we’re okay waiting to find it.