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I wouldn't go to europe you will get killed on the exchange rate and yanks aren't so popular! I reckon pacific coast of costa rica or somewhere like that as you can take dollars and its safe. Maybe don't sell everything but get some cash and go down there in November for a few months. You can stay cheap in a hostel or a cabina, learn to surf see how you like it.
Check out Tamarindo and along the Guanacaste coast where there are quieter surf towns. Dominical is cool too.
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