When you think of retiring, you probably think of a nice warm place where you don't have to battle snow, sleet and ice for 6+ months. Maybe one of the Carolinas, Florida, Arizona or something like that. For me, that decision would be a tough one because my heart will always be in Buffalo. How about you? Have you given retirement any thought? I know many of you (including me) are a ways away from that, but it's a thought that quickly passes through my mind here and there.