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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

      • Spain
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    • Budgets

      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

          • Access Your Library

          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

          • Hours of coverage  from our latests conferences

          Lahardan Books

          • Titles on living and investing around the world
          • Explore Our Store
          Your passport to a life well-lived abroad

          Services

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

        • My Library
        Live and Invest Overseas
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        THE 10 BEST PLACES TO RETIRE IN 2025

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          Home How to

          My Next Stage Plan

          Panama, Paris, And Beyond…

          by Kathleen Peddicord
          Jan 07, 2024
          in How to
          0 0
          Sunset view from a balcony in Paris, France. life in europe

          AdobeStock/Karen Mandau

          For better than two-and-a-half decades, Lief and I have been working together to identify and then position pieces of our eventual “retirement.”

          We don’t plan ever to retire in the conventional sense.

          What would I do with myself if I didn’t get up each morning and draft a dispatch to you, dear reader?

          For Lief and me, retirement isn’t about stopping doing what we’re doing.

          Indeed, we’d say we’re already retired…

          Though we’re working more than ever.

          We’ve long looked forward to retirement as a stage of perpetual motion and constant contrast… flexibility, freedom, and discovery.

          We like to move around, and we appreciate change.

          When our children were in school, our moving around was dictated by school calendars. We’d base ourselves in one place, where our children then attended school—first Ireland, then Paris, then Panama City—and we’d plan our travels around their breaks.

          Now that both children are fully launched, we’re able to embrace the next phase of our plan. Lief and I are able to come and go as we like.

          For me, this transition has been bittersweet. Sure, it’s nice to be able to wander where we want, as often as we want, and to stay in each place as long as we’d like.

          On the other hand, I have to admit that adjusting to the idea of being a mom without kids in the house has taken some effort. What is a mother to do when her children no longer occupy her attention full-time?

          I say: Hit the road!

          Our Next Stage Plan

          Lief and I are working now in a more focused way than ever to fit together the pieces we’ve accumulated over the past two decades into a more formal Next Stage Plan.

          This plan has Paris and Panama as dual hubs.

          We’ve been residents of Panama for more than 15 years… and we’re in Panama to stay. Our Live And Invest Overseas business is headquartered in Panama City… while this country’s Veraguas coast is where we’ve sighted our long-term home base at Los Islotes.

          We’re all in on Panama… and more bullish on this country’s prospects long-term than ever. Panama is one of the best places in the world to run a business or invest in real estate… and we look forward to every opportunity to spend time with the LIOS team in our Panama City HQ.

          Plus, of course, we savor every day we’re able to spend at Los Islotes. Mother Nature has outdone herself on this coast.

          Today, though, I write from Paris, where we’ve enjoyed the holidays with our children and local friends.

          Next week, we’ll be repositioning… from the Old World to the New… from the City of Light back to the Hub of the Americas. From our Panama base, we’ve planned trips to Belize, Colombia, Brazil, and the Dominican Republic… chances to reconnect with friends and colleagues on the ground and to check on investments we hold in each location.

          As I said, we like to move around.

          Thanks to our natural affinity for the place and the four years we lived here when the kids were younger, Paris feels like home and is our second long-term home base.

          As well, though, we want to spend time regularly in the other places on our we-love-it-here list… and in other spots, too, that we’ve yet to identify.

          When we come and go from these places, we want to do it as “locals,” rather than as tourists, and with a purpose. That’s why we’ve worked to build infrastructure in each location that has gotten under our skin and stirred our imaginations. We’ve made friends in these places… and investments…

          We’ve found partners and launched businesses…

          We’ve bought apartments, built houses, planted trees, and cultivated gardens.

          We’ve become involved in the local communities, contributing, as we can, to support local schools and education programs, for example. We try to take advantage of every chance we identify to support the next generation.

          When we show up in each location, we want to have something to do with ourselves (in addition to drafting these dispatches). We want company for cocktails and companions for dinner, but we also want to be engaged in activities with an aim.

          Our Los Islotes community on Panama’s Pacific coast is the culmination of this driving lifetime agenda.

          At Los Islotes we’re creating an oceanfront community in the Spanish-colonial style.

          I tell the whole story in my latest book, “At Home At Los Islotes—Finding Our Way On This Veraguas Coast.

          Very long story short, at first, Los Islotes was about making money. More than a decade into the most challenging undertaking of our lives, I realize it has nothing to do with cash flow.

          Los Islotes has been our bridge to a hidden world with secrets the world should know. Connecting with them has gifted me purpose.

          As we stand at the start of new year 2024, my #1 resolution is to open the Los Islotes Learning Center. This will be a place for local students to come to access the internet and a lending library, to learn basic computer skills, to meet with tutors, and to take English-language lessons.

          Giving this particular next generation a leg up seems the most worthwhile use of my time I can now imagine.

          For my 40th birthday, Lief took the kids and me to Galway for the weekend. We were living in Waterford at the time.

          Walking along the seafront in Galway town the eve before the big day, Kaitlin, then 14, looked up at me and asked, “Does it bother you that your life is over?”

          Before I could respond, she continued…

          “I mean, you’re married. You have two kids. You’ve been doing the same job forever. Does it bother you to think that everything for you is already all figured out and over?”

          A 14-year-old’s take on turning 40.

          Now that milestone is way back in the rear view, as is the big 5-0… and, as well, with 2023 done, my 60th year.

          Does it bother me? Well, sure. We’d all like to slow things down if we could.

          On the other hand, nothing’s over ’til it’s over.

          I’d say I’m just getting started.

          Until next time,
          Kathleen Peddicord signature
          Kathleen Peddicord
          Founding Publisher, Overseas Opportunity Letter

          Tags: 'retirement'retire abroadretire overseas
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          Kathleen Peddicord

          Kathleen Peddicord

          Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

          Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

          Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

          Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

          Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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                HOME

                Top Countries

                • Spain
                • Portugal
                • Panama
                • Belize
                • Colombia
                • Cyprus
                • Mexico
                • France
                • Montenegro

                Best For:

                • Health Care Abroad
                • Retirement Living
                • Cost Of Living
                • Investing in Real Estate
                • Establishing Residency
                • Gun Ownership
                • English Speakers
                • Safety
                BROWSE ALL COUNTRIES

                Budgets

                How Much Will It Cost
                To Live Overseas?

                Super Cheap

                • Chitré, Panama
                • Santa Marta, Colombia
                • Phuket, Thailand
                • Dumaguete, The Philippines

                Cheap

                • Medellin, Colombia
                • Boquete, Panama
                • Kyrenia, Cyprus
                • Hua Hin, Thailand
                • The Algarve, Portugal

                Affordable

                • Valencia, Spain
                • Cascais, Portugal
                • Las Terrenas, The DR
                • Pisa, Italy
                • La Rochelle, France
                • Mazatlán, Mexico

                Luxury

                • Ambergris Caye, Belize
                • Kotor, Montenegro
                • The Panama City Beaches
                • Paris, France

                Resources

                Global Living

                • Living & Retiring Overseas
                • Raising A Family Abroad
                • Foreign Residency & Citizenship
                • Offshore & Diversification

                Making Money

                • International Real Estate
                • Banking
                • Employment
                • Investing
                Meet Our Experts

                Real Estate

                Overseas Property Alert 

                 

                How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams

                VISIT SITE

                Buying Real Estate For Cashflow

                 

                Discover tips and strategies used by global property investing veterans

                READ MORE

                Explore Our Latest Posts

                 

                Learn how to invest and purchase property abroad…

                EXPLORE

                Conferences

                INTERNATIONAL PROPERTY SUMMIT

                PANAMA CITY, PANAMA June 18-20, 2025
                LEARN MORE

                CARIBBEAN VIRTUAL CONFERENCE

                VIRTUAL July 17-19, 2025
                LEARN MORE
                PRE-REGISTER

                Live and Invest In Spain Conference

                Valencia, Spain Sep. 17-19, 2025
                LEARN MORE
                PRE-REGISTER
                MORE EVENTS

                Contact Our Events Team:

                Toll-Free U.S. and Canada:
                1 (888) 627 8834

                From Outside North America:
                1 (443) 599 1221

                Working Hours
                Monday – Friday 08:00 am – 17:00 pm EST.

                Reach us with your questions by email at: events@liveandinvestoverseas.com

                Store

                Overseas Havens Reports

                • Expats' comprehensive destination guides

                Conference Kits

                • Hours of coverage  from our latests conferences

                Lahardan Books

                • Titles on living and investing around the world

                Services

                • Overseas Living Letter: Affordable Retirement Guidance
                • The Simon Letter: Wealth Protection Insights
                • Global Property Advisor: Global Investment Opportunitites
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                THE 10 BEST PLACES TO RETIRE IN 2025

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