I lived in Memphis until July 2000, where I was a teacher in the Catholic School System for 29 years ( 3 years at St.Dominic's and 26 years at St. Louis ).
We feel very fortunate that we were able to retire early. We moved to Central Florida to an unbelievable place called The Villages. You can find out about this wonderful place by logging on to www.thevillages.com
I recommend retirement to everyone.