Retire To Europe

When There's No Substitute For Continental-Style Culture

Jan. 19, 2011, Basque, France: If, for you, there’s no substitute for the kind of culture and history you can find only in Europe, get creative. The Old World can be at least a part of your retirement plan, even if your retirement nest egg is limited.

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Dear Live and Invest Overseas Reader,

We give a lot of virtual ink to retirement options in Central America, for three reasons primarily.

If you're a norteamericano , this part of the world is nearby and accessible. No matter who you are, you'll find this region warm and sunny. And, finally, Central America is cheap. Cheaper than North America. Cheaper than Europe.

Nearby, sunny, and cheap are great but maybe, for you, not enough.

To tell you the truth, for me, they're not enough. We're loving our sun-drenched, escape-any-weekend-the-whim-strikes-us-to-the-beach lifestyle in Panama, but we miss our former lives in the Old World sometimes.

We miss café culture, museums, live theater, cheese shops, chocolate shops, bookshops...

We miss river walks that take you past centuries-old buildings, well-kept parks, formal gardens...

For some, tropical sunshine doesn't replace Continental charms. But who could afford to retire to the Continent?

In this month's issue of my Overseas Retirement Letter, Euro-Correspondent Lucy Culpepper shows you that, in fact, it could be that you could, for Continental living doesn't have to be nearly as costly as you might fear.

Lucy's ORL report shows that a couple could retire to Biarritz, France, on a budget of less than 2,000 euro per month, including rent. No, that's not super-cheap, but, if your retirement nest egg is denominated in U.S. dollars, that's less than it was a few years ago...and more than we believe it will be as this New Year progresses.

In other words, we see the cost of living in euro-land falling for those with income denominated in Greenbacks.

Lief and my long-term plan is part-time retirement on the Continent. We intend, when the day comes to flip our retirement switch, to spend part of each year enjoying Panama's Pacific coast...part of each year savoring country life in Istria, Croatia... part of each year in Paris...and part of each year somewhere...else...

Paris isn't necessarily a bargain, but the costs of spending three months a year in what, for us, is the most beautiful, most romantic place on earth will be mitigated by the lower costs of living we'll enjoy in Panama, Nicaragua, Belize, Vietnam, India, China, and Thailand...all places that we intend to include on our retirement schedule.

When we're not in residence, our Paris apartment can be rented out, further offsetting our overall annual retirement budget.

In other words, if, for you (as for me), there's no substitute for regular doses of the kind of culture and history you can find only in Europe, get creative. The Old World can be at least a part of your retirement plan, even if your retirement nest egg is limited.

Kathleen Peddicord

Editor's Note: Euro-Correspondent Lucy Culpepper's complete guide to retirement in Basque, France, is featured in this month's issue of my Overseas Retirement Letter, in subscribers' e-mailboxes now...

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