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What We’re Planning For The Next Stage Of Life

Kathleen Peddicord Reveals: “Why I’ll Never Retire Overseas”

Kathleen Peddicord by Kathleen Peddicord
Jan 05, 2020
in Belize, Colombia, How to, Panama, Paris, Retirement/Living
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view across paris showing rooftops

Image Source: iStock/Pascale Gueret

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For better than two decades now, 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 we do with ourselves if we didn’t get up each morning and draft a dispatch to you, dear reader?

For us, retirement will be transitioning to what for us qualifies as the ultimate lifestyle—one of perpetual motion.

We like to move around, and we appreciate change and contrast. As parents of school-aged children, our moving around has been dictated these past 20-plus years primarily by school calendars. We’ve based ourselves in one place, where our children have gone to school—first Ireland, then Paris, then Panama City—and we’ve planned our travels around their breaks.

Starting last year, though, we’ve been able to embrace the start of the next phase of our plan. Now empty-nesters, our daughter grown and our son off to university, 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 mom to do when her kids no longer occupy her attention full-time?

I say: Hit the road!

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 were full-time residents of Panama for more than 11 years… and we’re in Panama to stay. Our Live and Invest Overseas business is headquartered in Panama City... while this country’s Pacific Azuero Sunset Coast is the location of the Los Islotes community we’re building.

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 start 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 each stay on the Azuero Peninsula. 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 and where we plan an extended stay. From this Paris base, Lief and I intend trips to Ireland and Portugal and perhaps to a couple of other places that have our attention in this part of the world. We’ll keep you posted.

Later this year, we’ll be repositioning again… from the Old World to the New… from the City of Light back to the Hub of the Americas. From our Panama base, we’re planning 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, when we’re too feeble to get on another plane, this is where you’ll find us.

Until that day, we also want to spend time regularly in the other places on our we-love-it-here list… and maybe in some other spots, too, that we’ve yet to identify.

When we come and go from these places, we prefer to do it as “locals,” rather than as tourists, and with a purpose. That’s why we’ve worked hard to build infrastructure in each location that has gotten under our skin and stirred our imaginations. In each of these places, we’ve made friends and made 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 help support local schools and education programs, for example. We try to take advantage of every chance we’re able to identify to help to give the next generation a leg up.

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.

In Cayo, Belize, we’re trying to learn a little about farming and self-sufficient living, with the help of friends in that part of the world who qualify as experts at those things.

In Colombia, we’re involved in a forestry program. We like trees and, with local friends, we’re learning about growing them on a grand scale.

On Panama’s Pacific coast, at Los Islotes, we’re building an oceanfront community in the Spanish-colonial style. Here, we’ve also invested in a small woodworking operation. With the help of an impressive cabinetmaker imported from Costa Rica we’re learning to make doors, windows, moldings, and furniture for the houses and community amenities we’re building.

All of the tables and chairs for our Panama Jack’s Beach Bar, for example, were made on site at Los Islotes. We take a sense of satisfaction from that.

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.

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.

When will that be? Lucky for us, we don’t know.

So we keep pushing ahead and moving around, Next-Stagers with a plan…

Kathleen Peddicord

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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

Her newest book, "How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad," published by Penguin Random House, is the culmination of decades of personal experience living and investing around the world.

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