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Chasing the Sun: Designing Your Ideal Winter Lifestyle
Exploring Destinations for Your Third Act Winters

Dear Friends,
The past few weeks have been cold, dark and full of germs - at least for me as I had a nasty cold that I’ve finally mostly recovered from. Then I got on a Zoom networking call last week and my new connection was in Hawaii. HAWAII! And she turned her laptop around to show me the ocean. She and her husband spend 3 months there every winter and that got me thinking…
As we navigate the exciting journey of planning our Third Act, one of the most liberating realizations is that we have the power to choose where we live— for our own enjoyment and well-being. This week, let’s explore the enticing option of spending winter months in warmer climates, including destinations beyond our borders.
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Popular Winter Havens for Americans
Many Americans are trading in their snow shovels for sunscreen during the winter months.
Here are some of the most sought-after destinations:
1. Florida: Cities like Naples, Sarasota, and St. Petersburg offer beautiful beaches and a vibrant cultural scene.
2. Arizona: Scottsdale and Tucson provide desert beauty and world-class golf courses. 3. California: Palm Springs and San Diego boast near-perfect weather and diverse activities.
4. Hawaii: The islands offer a tropical paradise with rich cultural experiences.
5. Texas: Cities like Austin and San Antonio provide a blend of warm weather and urban amenities.

European Winter Escapes
Europe offers a blend of rich history, diverse cultures, and mild winter climates in its southern regions:
1. Spain: Costa del Sol and the Canary Islands offer year-round sunshine.
2. Portugal: The Algarve region boasts beautiful beaches and charming towns.
3. Italy: Sicily and the Amalfi Coast provide milder winters and stunning scenery.
4. Greece: Crete and Rhodes stay relatively warm even in winter months.
5. Malta: This Mediterranean gem offers mild winters and English-speaking locals.

Asian Tropical Retreats
Asia presents an array of exotic locales with warm climates and unique cultural experiences:
1. Thailand: Phuket and Chiang Mai offer beaches and mountain retreats.
2. Malaysia: Penang and Langkawi blend modern amenities with tropical beauty.
3. Vietnam: Da Nang and Hoi An provide rich history and beautiful coastlines.
4. Bali, Indonesia: Offers a perfect mix of culture, spirituality, and natural beauty.
5. Philippines: Cebu and Palawan boast incredible beaches and friendly locals.
Framework for Choosing Your Winter Location
Selecting the perfect winter haven is a personal decision. Here’s a framework to help you make an informed choice:
1. Climate Preferences:
• How warm do you want it to be?
• Do you prefer dry heat or humidity?
2. Lifestyle Considerations:
• What activities do you enjoy? (Golf, beach, hiking, culture)
• Do you want a bustling city or a quieter community?
3. Health and Wellness:
• Proximity to quality healthcare facilities
• Opportunities for physical activities and healthy living
4. Social Connections:
• Presence of like-minded communities
• Opportunities for socializing and making new friends
5. Cost of Living:
• Housing costs (rentals or purchase)
• Daily expenses and entertainment costs
6. Accessibility:
• Ease of travel to and from your primary residence
• Proximity to airports for visiting family or exploring further
7. Trial Period:
• Consider spending a few weeks in potential locations before committing

Determining if International Locations Are Right for You
Choosing an international destination for your winter months adds exciting possibilities but also requires additional considerations:
1. Cultural Immersion:
• Are you excited about experiencing different cultures and customs?
• How comfortable are you with language barriers?
2. Healthcare Systems:
• Research the quality and accessibility of healthcare in potential locations
• Consider international health insurance options
3. Visa Requirements:
• Investigate long-stay visa options for retirees or digital nomads
• Understand entry and exit requirements
4. Financial Considerations:
• Research cost of living in different countries
• Understand currency exchange rates and international banking needs
5. Distance from Home:
• Are you comfortable being further from family and friends?
• Consider time zones for staying connected
6. Safety and Political Stability:
• Research the current political climate and safety situation in potential destinations
• Check travel advisories from the U.S. State Department
7. Expat Communities:
• Look for established expat communities for easier transition and social connections
8. Technology and Connectivity:
• Ensure reliable internet access for staying connected and managing affairs back home
9. Legal Matters:
• Understand tax implications of spending extended time abroad
• Consider consulting with an international tax expert
10.Trial Period:
• If possible, spend an extended vacation in your chosen location before committing to a longer stay

🔥 Bonus: AI Prompt to Help You Decide Where to Go
Modify the following prompt based on your preferences and enter it into your favorite AI tool. I use Chat GPT and Perplexity most often.
“I am a retiree looking for the ideal winter destination for 3-4 months each year. Please act as a travel and lifestyle consultant to help me find the perfect location. Consider the following about me:
1. My preferred temperature range is insert range, e.g., 65-80°F.
2. I enjoy activities such as list 2-3 favorite activities, e.g., golf, beach walks, cultural experiences.
3. My budget for monthly living expenses is approximately insert amount.
4. I do/do not speak languages other than English.
5. I prefer urban/rural/coastal environments.
6. Access to quality healthcare is very important/somewhat important/not a major concern.
7. I’m open to/hesitant about international locations.
8. I want/don’t want to be part of an expat community.
Based on these preferences, please suggest 3-5 potential winter destinations. For each, provide:
• A brief description of the location and why it might suit me
• Typical winter climate
• Cost of living overview
• Available activities and cultural experiences
• Healthcare quality and accessibility
• Any visa or legal considerations for extended stays
Also, please offer advice on how to best research and prepare for a trial stay in these locations.”
Here’ a couple YouTube channels for further exploration. There are many more if you search.
💡 Remember, choosing an international destination for your winter months can be an incredibly rewarding experience. It offers the opportunity to broaden your horizons, experience new cultures, and potentially even reduce your cost of living while enjoying a higher quality of life.
If you missed this announcement on social media, I was featured in the inaugural issue of The Annual Exit from the Exit Planning Institute. You can find my article on pages 30-33 and can download the magazine here: https://exit-planning-institute.org/the-annual-exit
Stay tuned for weekly content about travel, health, relationships, identity, spirituality, doing good and starting a new venture as it relates to your third act/the next chapter in your life ✨
Please subscribe and forward this newsletter to others who are thinking about planning their third act. Thanks for your support 🙏.
Warm regards,
Cara Gray
Third Act Consultant, CPRC, CEPA™️
P.S. If you want to start planning your third act, set up a time on my calendar for a chat: Schedule a Chat with Cara