5) MOVING TO OTHER PLACES
Somebody recently mentioned that if you have resources to move away from the snow, and you fail to do so, it your own dang fault.

I tend to agree with the premise that we live with the results of our own set of possibilities.

Above and beyond the possibility of moving to warmer places in the USA is the possibility of moving to other countries where the cost of living is such that a reduced retirement income might not necessarily mean a reduced standard of living.

Google "offshore retirement", too many ideas to mention here