Sounds like you want to stay in The US for your retirement. So I won’t go into some of the Homework I have been doing on being an Expat in some other countries with very low cost of living. You may want to think about doing a NJ summer/ Fall and head South to Florida in the winter. Cost of living here in Florida isn’t bad. Surfing here is OK all beach break. I do miss Surfing and living in San Diego. We can no longer afford to live there unless we we’re vagabonds living out of a converted School bus. Trust me I have thought about that. But I like having roots. Put down. Down sizing in NJ and not going crazy on a Place in Florida could allow to still get your time in Hawaii. We aren’t right on the beach about a 20 minuet drive to the Ft Pierce Jetty from our home. Besides Surf there is really good fishing. Lots of other things like Golf riding Bikes and or Motorcycles. Lots to explore here in Florida. You will still need a wetsuit a 3/2 is good right now @9:30am air temp is 56 degrees Water is 70-74 degrees. Surf is sloppy mess at 2 to 3 foot. Might hit it but think I’ll get more work done on the House.