Start Your Beachfront Retirement in 30 Towns Under $40,000 a Year

18. Akumal, Mexico

Akumal, Mexico, a quaint seaside town nestled along the Caribbean Sea, is aptly named "The Land of the Turtles" in the Mayan language. Its crystal-clear waters are home to an abundance of sea turtles, offering mesmerizing encounters for visitors.

While Akumal was once a hidden gem, it has recently gained popularity among tourists from nearby Cancun and Playa del Carmen. This influx of visitors has led to the expansion of restaurants, snorkeling tours, bars, and entertainment options, enhancing the town's charm.

Compared to the United States, Mexico boasts a significantly lower cost of living, allowing couples to live luxuriously for just $2,240 a month, or $26,880 a year. With the favorable exchange rate of nearly 20 Mexican pesos to one US dollar, even modest incomes, such as Social Security benefits, can afford a comfortable lifestyle.

While language may pose a challenge for those only speaking English, learning Spanish is essential for effective communication with locals. While some tourism workers may speak English, embracing the native language enhances the experience of living in Akumal.