These 8 overlooked cities offer incredible value and welcoming communities that make retirement funds last longer than you might expect! AlmaAlma’s historic downtown invites you to stroll beneath shade trees where brick storefronts whisper stories of simpler times. Bay CityBay City’s historic downtown district preserves the charm of yesteryear. Twinkling lights transform Bay City’s historic storefronts after dark. The historic downtown buildings house businesses where your Social Security dollars stretch remarkably far.