Brad Billingsley could have been waiting for his tee time at a U.S. golf course.
Instead, the former Lafayette, Calif., resident and his wife, Linda, were in a lagoon off Cabo San Lucas, Mexico, snapping photos of gray whales bobbing next to their small charter boat.
"Every day, it's an adventure here," Brad Billingsley said. "It's added 20 years to my life."
Brad, 62, and Linda Billingsley, 61, are among the "silver surge" of baby boomers seeking alternative retirement nests in Mexico, according to a report by the International Community Foundation.
It's not certain how many U.S. retirees are living in Mexico - a 2004 study puts the number between 500,000 and 600,000 - but the foundation and other researchers say an increase is likely as more boomers settle into their golden years and find Mexico an affordable alternative. Almost half the retirees living in coastal areas are getting by comfortably on less than $1,000 a month, said the report, which cites the growth of real estate projects targeted at retirees as proof that aging Americans are flocking south of the border.
The Billingsleys had seriously considered a retirement community with a golf course in central Arizona. But they lacked the enthusiasm for fairway living that seemed to consume retirees there.
"Their entire lives were involved with golf," Brad Billingsley said.
In 2007, the couple became expatriates and settled into a $300,000, two-bedroom beachfront condominium in Rosarito Beach, in Baja California.
They have made the most of their retirement dollars, Brad Billingsley said. The cost of living - from groceries to health care - is low in their beachfront town, and there's plenty to do, such as driving down the coast to Cabo, walking on the beach, and shopping at the local mercado.
The couple lived in California's Bay Area for 60 years.
Sometimes they miss their old haunts, especially bookstores, Brad Billingsley said. But like most expatriates surveyed in the foundation's report, they return often to the United States. The Billingsleys make a trip across the border to San Diego every few weeks.
Affordability, quality of life, weather, and proximity to the United States were top reasons retirees chose Mexico, according to the foundation report, which surveyed 842 expatriates about their experiences.
"After the market crash of 2008, we wanted to better understand what was going on with retirees in Mexico," said Richard Kiy, president and chief executive officer of the foundation, a Southern California-based nonprofit that works to increase charitable giving and volunteerism across U.S. borders. In an 88-question survey of retirees 50 and older, the foundation found that expatriates had weathered the economic storm well.
The foundation's 17-page report, released in March, deals with demographics and day-to-day basics such as public-safety concerns and household expenses of retirees in Mexico's coastal areas such as Cancun, Rosarito Beach, Rocky Point, and Puerto. Four follow-up studies over the next few months will tackle topics that include the effect on Mexico's environment, health-care accessibility, real estate, and civic involvement by U.S. retirees.
A weakening U.S. economy, U.S. State Department travel alerts, and worries about the H1N1 virus hurt tourist travel numbers to Mexico over the last year, but the country still remains an attractive haven for retirees, said Anne McEnany, coauthor of the foundation's report and the foundation's senior adviser for environment and conservation.
Reports of narcotics-related violence, especially in border cities such as Tijuana and Nogales, initially gave many retirees the jitters, McEnany said. But that anxiety fades away after they've settled into their new homes, she said.
"I'm really saddened to see coverage of [Mexican] crime in the media," said Doug Gray, 60, a retired fire captain from the East Bay.
He and his wife, Cyndi, who live in Livermore, Calif., recently purchased a condominium in Manzanillo, a port city between Puerto Vallarta and Acapulco. They say they feel as safe - if not safer - walking around the mercados and boulevards as they did in Livermore.
"We really love the pace," Cyndi Gray said. "It's a slower pace and you can sit down there and get into the groove. I can unplug."