Earlier quoted context omitted.
Are they retiring with the same standard of living they had before? Can they sustain a medical emergency? Can they pay for their kids college? I'm sure some can do all this. But I'm pretty sure most can't.
> Are they retiring with the same standard of living they had before? This is a strong indicator that choice is a factor, despite your protests to the contrary. But what exactly do you mean by "standard of living"? For example, when you're employed, you have to live where the jobs are, no matter how expensive, unless you can get remote work. Whereas when you're retired you can live anywhere, perhaps a place that is b…
I think that it may be just the opposite. From what I've observed, access to good public transportation is a major contributor to quality of life in old age. In the US, that requires someone to live in a much higher cost of living location.