Looking for a retirement haven that will offer a retreat from big-city living and preferably not eat up all your retirement savings?

Well, 55places.com, which already looked at the most affordable potential retirement cities, went through its list again and chose 20 towns of 55,000 or less that also provide small-town charm.

We're taking that one step further.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.