Last year, there were nearly 20 million Americans between the ages of 60 to 64.

If youre one of them, youre probably starting to think about retirement.

(Spoiler: Most of us have.)

A couple sits on the cliff side to enjoy coffee and the view

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This generation of retirees still prefers to age in their own community.

They want places with a little bit of life to them, she said.

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Census Bureau, theU.S.

Sounds pretty appealing, right?

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George Area Chamber of Commerce, the city had the most golf courses per capita.

1 spot on this list?

Well, Palm Coast, which is in between Jacksonville and Daytona Beach, barely missed out.

Just minutes from the beach, you wont experience chilly winters here.

For active retirees, the city has a healthy mix ofgolf resorts and nature trails.

Loveland, Colorado, which is less than an hours drive from Denver, is a perfect example.

And, since its Florida, there are plenty of opportunities for golf and fishing.

That makes it perfect for retirees from those cold cities looking for sunshine and baseball.

Well, Flora Mae Statler, your town just came in at No.

5 on a list of the best affordable places to retire, so youve got that going for you.

Thats 45% less than theU.S.

(See what I did there?)

Now, if they could just figure out that winning thing.

And over the years, its only gotten better.

Native Americans called the land Dancing Ground of The Sun for good reason.

The Jemez Mountains make for some stellar sunsets.

Those mountains arent only for looking at, either.

And if the outdoors arent your thing, Sante Fe is also known as a cultural hotspot.

The four-centuries-old city blends Native American, Spanish and Anglo roots into a one-of-a-kind arts and historical hotspot.

Dubbed Beer City, USA, in 2009, Asheville will bring out your inner cicerone.

Settled in 1670, Charleston is the oldest city in South Carolina.

It has grown to be the largest in the state as well.

Over its roughly 350-year history, the city has been at the center of many wars and conflicts.

History buffs will find its museums and national monuments particularly appealing.

Now, visitors rush to see the 217-foot Sundial Bridge that spans the Sacramento River.

But Redding is much more than tourist attractions.

Residents have settled into a balanced life of adventure and culture.

Surrounded by mountains, Redding is a hikers dream.

But downtown has plenty of entertainment options, too, along with a thriving theater scene.

Alex Mahadevanis a data journalist at The Penny Hoarder.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…