My sister always says that she expected me to spend my retirement years on the beach. She has felt that way since the time she visited me in Southern California when I was living across the street from the Pacific Ocean back in 1977. Yes, you could see the ocean through the living room window in that small beach town. I always thought so too but like all of us know, things change in life and sometimes you just have to go with the flow. Yet when I saw that article recently of a single lady that had moved to Belize and was building her new home ... it got me thinking.