The Baltic Cruise that we were on in June was an interesting experience for us as we contemplate early retirement next year.  While it was a great 12 day getaway, we felt a bit like fish out of water all week, as we were likely 12-15 years younger than the average cruiser on the ship, with most people in their 60s.   We weren’t expecting … Continue reading Retirement Havens – Steer Clear For Years?