it seems like bait and switch. people who spent their working lives believing that they could retire at 65 or so are looking at their financial statements and thinking that it can’t be done. the recession — and maybe their own spending — took too big a bite out of their balances. many people are willing, and even eager, to keep working until they can build up their retirement savings. but for those who long to retire sooner rather than later, there is a way out of workaday life that can be leveraged to great advantage — moving to a lower-cost area.