Hi, I noticed your post and wondered if you've tried light therapy to get you thru the winters until you can retire some place else. I first got my light therapy box when I lived on the coast where it rained constantly and it saved my life. I live now where we have long cold winters with very short summers and I use my box every winter. Just sitting two feet from my box for 30 min. in the mornings makes a world of difference. I've suffered from SAD by the way for about the last 10 years. You need at least a dose of 10,000 lux which is how the light is measured. I got mine from 'alaska northern lights' but I'm sure you can find one any place. Just wanted to mention this to you in case you haven't tried it.