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Hey Cami, Since you are retired you should have plenty of time to browse different guitar stores. In the old days you could find good used instruments in pawn shops. Google las Vegas guitar shops/stores.
I’ve picked up a beater before at thrift shops, estate sales can be great for finding a jewel, or some yard and garage sales, have fun with the search but you need to research buying a used guitar, probably google again. Again, I prefer guitar tone and playing action over looks . If anyone in your retirement community plays, check with them.
Things to check when looking for a used guitar.
Does the neck have a truss rod so you can adjust it? Is the neck warped?
How worn are the frets? Is the bridge loose. How much of the bridge saddle is showing?
If only a little of the saddle is visible make sure it has a truss rod so you can adjust it. You might be looking at a neck reset , again$$$.
Any body or neck joint cracks? Most of the time these can be repaired but that does cost $$$. How long has it been since it was played regularly? Is the case in good shape?
Buying a used guitar Is like that 1st date. You have to be really careful that you examine everything to see if you want to go on a 2nd date.