You've saved and invested your whole adult life for this, and the time has come to quit working and start living. But where will you spend your retirement years?

If you decide the answer is abroad, you won't be alone. Millions of Americans have done just that. Some experts estimate that as many as 12% of the nation's 45 million or so retirees are living overseas.

There are a lot of incentives for such a move: a lower cost of living for a higher quality of life, for instance. New experiences in exotic settings. And there are any number of locales willing to up the ante to have you choose them as the golden isle for your golden years.

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Source Fool.com