Every year about a million Americans over 60 pack up and move. Warmer weather, closer to grandkids, cheaper everything.
And a decent number of them discover, three months later, that something important quietly broke.
The Medicare Advantage plan does not operate in the new county. The cardiologist is not in network. The estate documents were written for a state that does things differently. The tax bill went down in one column and up in two others.
None of that is a reason not to move. Moving in retirement is often the single most effective financial decision available, worth more than any investment change.
It is a reason to move in the right order.
So here is the honest inventory: what follows you automatically, what you have to carry by hand, and what breaks if you are not paying attention.