We love the SF Bay area but have barely lived there two years, despite owning homes there for over a decade. I think we will retire, repatriate, kick our beloved renters out of the main house and see how we like living there. We love the weather, culture, food scene, hiking, city, etc. We hate the traffic, crime, homelessness, and techies taking over. We can sort of tolerate the political correctness. Only thing is, the house needs some upgrades which don't thrill us to undertake. So, we'll either stay and continue frugality, fix it up (which would drive us nuts with tradesmen), or sell and get something we love in a location cheaper and more suited to retirement (e.g. Santa Fe, Tucson, Boise). Another option would be to retire but try to restrict our movements to the immediate area to avoid the greater Bay area chaos. We have local shopping, tennis, swimming, hiking, biking, etc without traffic or freeways. Can walk to BART but lack the patience to ride it.