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|Cuenca photo via Wikimedia Commons|
If you can't get out of the US before you retire, you can get out after. Heck, depending on where you live, you can have an apartment in Ecuador for only $150 to $200 a month. Medical care is cheap (which is good for Americans since the US won't allow Americans abroad claim Medicare even though they're required to pay for it).
Every time I look, it appears that Central and South America are really fantastic opportunities for Americans wanting to stretch their income but who can't get to Europe.
There's a lovely blog, watsontravels, of a couple of traveled to Cuenca, fell in love with it and retired there. However, they travel the world and do a good job of providing interesting perspective.