Having enough financial flexibility is every senior’s dream. After years of work, who wouldn’t want to kick back? Having enough money for basic necessities and your favorite activities turns out to be a bit of a juggling act, however, considering the high cost of living in many cities across the U.S.

But it’s definitely not impossible. If you’re willing to relocate and possibly even downsize, your golden years will be spectacular.

If you’re not swimming in cash, here’s a list of 20 cities that are not too expensive for retirees. (will insert link)

Where you’re settling down will play a huge part in the previously mentioned balance. If you spend most of your savings on housing then you won’t be left with much for healthcare, utilities, activities, and emergencies. That’s why we’ve prepared a list of 20 cities you should set your sights on for a fun and affordable retirement.