22 Thrifty Retirement Spots with Affordable Options for Senior Bliss

16. Montenegro: Adriatic Beauty & Mountain Majesty on a Budget

Montenegro, another Adriatic gem, offers breathtaking landscapes reminiscent of Croatia but at a significantly lower cost. Retirees can settle in picturesque Kotor Bay with its fjord-like scenery, the charming coastal town of Budva, or the tranquil mountain regions. Enjoy fresh seafood, a relaxed pace of life, and stunning natural beauty perfect for hiking and exploring. While healthcare is more basic outside of Podgorica, the low cost of living for housing, food, and activities makes Montenegro an enticing option for those seeking European beauty without the high price tag.