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Kayaking near Ely, Minn. Anna Wolf Ely, Minn. Pop. 3,470
Check out these low-cost lake, river, and bayside communities Few retirees would complain about spending each evening watching the sunset sparkle off the water, if it weren't for the B-word. Budget. Most condos with an ocean view will gobble up even more of your nest egg than the stock market did last year. However, if you're willing to spend your golden years by a lake, river, or bay, a retirement filled with beach bumming and sandcastle building is still attainable.