anonsdca wrote: ↑
Mon Jul 27, 2020 7:55 am
Culture in San Diego? Unless you are going to live in a very affluent city like LaJolla, Carmel Valley, etc.(and not much culture there anyway), the culture you are heading for is the Mexican culture. Take that great savings and head to a nice town in Mexico because in either place you will be speaking the language and eating the same great food. At least in Mexico you will not have to worry about housing or running out of money or just the crap you need to put up with in the US.
No idea what this person is talking about. San Diego is incredibly far from a single culture. I find San Diego to be more conservative than most of CA. Yes, the Mexican food is pretty good -- but there's a lot more chains now, unfortunately. Overall, San Diego has an incredibly outdoorsy, relaxed culture with a lot of diverse food, and very diverse demographics base. Maybe the person is referring to specific towns in San Diego, but San Diego is really really big land area wise, so you can't generalize too much.
San Diego cost of living is less expensive compared to LA or bay area, but the home-price to income ratio is pretty high. Like pretty much everywhere, you can spend as much money as you want on housing or good food, but there's plenty that falls within affordability range (and if you don't have kids or worry about commute, then it's even easier).
I'm not sure why people are concerned about CA taxes so much -- yes it's high if you have high incomes, but if your income is lower, especially during retirement, CA taxes is not much worse than elsewhere. If you buy a cheaper property, you're also paying significantly less property taxes as well. San Diego property tax is only about 1.3%, so this is a lot lower than many other states if you have a home of the same size. Your maintenance and insurance cost is also a lot less without much natural disasters (earthquakes and fires rarely damage, and are also localized). Lastly, I also think you'll end up with better health care options than most of the country.