When do people buy beach/retirement homes?

When do people buy beach/retirement homes? In the big picture of the arc of life, how and when do people buy beach houses to retire in? To be clear, my family isn't rich. My spouse and I (mid/late 30s) are both in higher education, making in the $55-85K range each, so we're not high earners in this economy. But we've been lucky to start out with no debt because of college scholarships an...

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