Costs of living vary widely from region to region in the United States. If you don’t consider these differences when calculating your retirement budget, you are cheating yourself and it might cause you trouble later on. If you think you need help with this essential retirement planning, you might want to discuss it with your financial planner. Your bank might offer services of a free financial planner; so call and ask them. Dreaming of your retirement in a beach chair somewhere is dangerously vague. You need to consider some cold facts and take the steps early on to make your retirement dreams happen.