"Kathleen, I am a subscriber to both your and Lief's newsletters and have just started reading your new book.

"I am planning to retire out of the USA and have narrowed my decision to Belize or Roatan, Honduras. Our only source of income will be mine and my wife's Social Security checks.

"In your opinion, which area do you feel is best, and why do you recommend one over the other?"

--Rich M., United States

As we say often, no place is inherently "better" than any other, and certainly no single destination is "best," period. It's all a matter of what you're looking for and what's important to you.

What kind of lifestyle do you want?

With two Social Security checks monthly, you and your wife should be able to live comfortably in either Belize or Roatan. Parts of Belize (Cayo, for example) would be more affordable than Roatan. The cost of living in Ambergris Caye would be comparable, more or less the same as the cost of living on Roatan.

If you want Caribbean (as I suspect you do, given your focus), Ambergris and Roatan are both great choices (probably my two preferred spots in the region). Which would be better for you? The only way to answer that question would be to spend time in both. One likely will feel more like home to you, more comfortable. Go with that gut response. At the end of the day, it can be the most important determining factor of all.

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