Many people dream of relocating when they retire. While some spots are more popular for retirees, these areas often come with higher costs of living.

Did that AARP notification take you by surprise? If so, you’re not alone. Some members of Generation X — those born between the early 1960s and late 1970s — are feeling caught off guard by how quickly retirement is approaching.

No one could have foreseen the convergence of two of the most consequential economic events in our history – the mass migration of the Baby Boom generation into their final life stage and the tectonic shift of a declining global economy.

That diploma wasn’t free and if you’re like 73% of the other graduates, you have student loan debt and need to figure out how to pay it back.