Feeling the winter blues but can't swing that snowbird lifestyle? You're not alone—tons of retirees are in the same chilly boat. Instead of splurging on months in Florida, try a couple of short, budget-friendly getaways, crash with friends in warmer spots, or join local clubs to beat isolation. Even a small winter fund can make a big difference. Get creative and plan ahead—your wallet (and mood) will thank you! #News #RetirementHacks #WinterBlues