#41 through 45. See the picture for scoring and descriptions.
Sample houses:
41 – Siem Reap (Cambodia)
https://www.realestate.com.kh/buy/sv...-villa-127788/
42 – Miami (FL)
https://www.realtor.com/realestatean...-60353?view=qv
43 – Farmington (NM)
https://www.realtor.com/realestatean...-52730?view=qv
44 – Gulf Shores (AL)
https://www.realtor.com/realestatean...-34143?view=qv
45 – St. Augustine (FL)
https://www.realtor.com/realestatean...-93394?view=qv
Summary (starting from the bottom)
St. Augustine (FL) seems like a nice community. The housing selections are nice and affordable, and kind of close to the ocean. The winters are very nice and mild, and Florida’s tax-friendly environment would cut a year off of my retirement plan. The summers are a couple of degrees warmer and notably more humid than Denver, being coastal and all. This is not a bad option.
Gulf Shores (AL) – you get a ton of nice house for the money. It would cut 1.5 years off my retirement schedule, and has mild winters. Summers are hot and humid, and in the big picture it’s Alabama. St. Augustine actually has a nicer climate (slightly) in all aspects, but you can get a great house for the money at Gulf Shores. Also, I'm not a beach guy, but Gulf Shores has one of the two prettiest beaches I've ever seen.
Farmington (NM) – Farmington is very interesting. It’s big enough that there are some decent services available, and you get a lot of house for a very low price. It would cut 1.5 years off my retirement plan, so … nice house that’s inexpensive in a nice location that's close to the four corners and the interesting Navajo Nation. However, the climate’s not really better than Denver other than 80 percent less snow. The temperatures are about the same in winter and three degrees warmer in the summer, with a little more humidity. It’s worth considering, in my opinion.
Miami (FL) – Ah, yes. Miami. The average January low is 61 degrees, so winter would only be a memory. The summer is very slightly warmer than Denver with a fair bit more humidity. Housing is surprisingly affordable, taxes are low, and I could have an indoor pool. Being a large metro area, there’d be lots of options for activities and restaurants and stuff. It’s a realistic option.
Siem Reap (Cambodia) – I liked visiting there a couple of years ago, and Cambodia seemed to have its act together. It’s very affordable, and I bet I could have my own domestic staff and private driver. I could buy a season pass to Angkor Wat and really study it. There are no winters, though the summers are very hot and muggy. After looking into it briefly, the tax situation is really weird and I don’t want to go to Cambodian prison, so I think this is just a fun suggestion. (Apparently Cambodia has an income tax but it's not enforced and almost no one pays it. So I'd either pay disproportionately or I'd risk having the Cambodi-feds come after me and making me share a cell with Gary Glitter's bar buddies.)