Where we live is significant with retirement strategies. "Land is the only real estate," my mother would say. We live on the coast in rural Nova Scotia where land is in hot demand, particularly from the US and overseas. Almost everyone with half a mind keeps eyes and ears open because land becomes available from time to time as bargains. A neighbour picked up waterfront for $5,000 and sold it 20 years later for $1,000,000. A Pittsburgh newspaper editor paid $150,000 for land my mother bought for $4,000. Real estate is where it's at for those of us with day jobs.