If you search the Internet for the most affordable places to live in the United States you will find that those places only use an average of 28 percent of income towards living expenses. In some areas like California, New York and big cities it is up to 65 percent.
You may not want to move, but if you can plan ahead and work where income is higher, then at retirement move to inexpensive locations where the cost of living is less, you just might be surprised at how affordable retirement becomes! If you can find a location you wouldn’t mind moving to where living costs are much lower than what you are currently 
paying, consider moving and spend much, much less at a time when your
income may be fixed and in more jeopardy than it is now.
Here’s an example: A friend of mine lives six months in Costa Rica during the winter and travels back to the United States in the summer. Her cost to live in Costa Rica is so low she can afford to live in a nice neighborhood in California in the summertime. She has made dear friends in both locations and now others travel with her doing the same thing.
Expand your thinking when it comes to retirement and how you can more affordably fund it by considering alternative locations to live and the costs associated with that location. This may save you enough to match what you have in retirement savings and take the stress out of your life.
