Being retired myself, I understand completely. I was fortunate enough to recently retire to an area which we had always loved, the Blue Ridge mountains of north GA. The cost of living here is somewhat less than it was in our former location (FL). Still, we have found it necessary to considerably alter our lifestyle to meet our new income level.
One of the factors which attacted me to this area is the relatively low level of restrictive firearms laws. I am free to own as many fireams as I can afford without any licencing or registration hassles, and I have availed myself of the opportunity to aquire a GA concealed weapons permit which is also honored in many of the states we hope to visit. Needless to say, NJ isn't on my short list of places to visit. Anyway, best of luck to you in your retirement Gene, and don't let the gun-grabbing libs up there get you down.