RRR, you don't have to be stuck living in a rural town because of finances. Most cities, or counties, offer dwellings for seniors, 55 or 60 years old and up. The rent is based on a sliding scale according to your income. It wouldn't hurt to look into it. Some have waiting lists, but you could put your name on one, and when your name rises to the top of the list, you could move. Another good thing about places like that is there are activities, and many opportunities for friendship with people around your age. If you truly want to live in a larger metropolis, pick an area, and place your name on their waiting list.