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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
      • Portugal
      • Panama
      • Belize
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      • Montenegro
      • Browse All Countries

      Best For:

      • The Best Places To Retire
      • Health Care Abroad
      • Cost Of Living
      • Investing in Real Estate
      • Establishing Residency
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      • English-Speaking Countries
      • Safest Places For Retirement
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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
    • Resources

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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

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          Overseas Havens Reports

          • Expats' comprehensive destination guides

          Conference Kits

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          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

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          Home In Focus: Europe

          Don’t Let Currency Concerns Keep You From Europe

          by Kat Kalashian
          Mar 28, 2024
          in In Focus: Europe
          0 0
          white walls, blue windows in a house

          AdobeStock/Sergojpg

          We often get questions from readers about currency risk when moving overseas… Concerns about currency exchange fluctuations are valid, especially when moving to Europe, where the currency is stronger than the U.S. dollar.

          The euro-dollar exchange rate has been relatively favorable the last several years, even reaching parity in 2022, but the fact is that you’re losing money when you earn an income or pension in dollars and have to convert it to euros in order to live on this side of the pond.

          A retiree on a fixed income could see his quality of life eroded by a depreciating home currency. Don’t let this keep you from making a move to a country where you want to live. You can mitigate the currency risks.

          It’s an inconvenience my husband and I grapple with on a daily basis living here in France. One way to soften the loss is by opening an international exchange account that allows you to hold multiple currencies (such as Wise), keeping a close eye on rates, and moving large sums from dollars to euros when favorable.

          Quality Of Life Overseas

          Another strategy to protect yourself would be to buy a place of your own to live in the country where you want to be, paying in full up front, when you make the move or even in advance of a planned move, to take advantage of a favorable rate of exchange.

          Housing cost—a mortgage or rent—is generally the single biggest expense in any budget. If you own your own home (house, apartment, what have you), you eliminate the risk of unfavorable currency fluctuations for that part of your monthly expenses. Taking this approach, you could buy your retirement home in Portugal, for example, today, while the U.S. dollar is riding strong versus the euro.

          Do this, and you’re locking in your housing cost at today’s very favorable exchange rate. A 100,000-euro condo on the beach in the Algarve (where I’ll be next month for our Live And Invest In Portugal Conference) would cost you close to just $109,000 at the current rate of exchange.

          Housing covered, you’re largely insulated against negative currency fluctuations. The currency moving against you would affect your day-to-day living costs only, costs you can control at least to some extent.

          The dollar could continue strong against the euro for another 12 to 24 months or longer. On one hand, this means it could be better to wait to buy in Europe. On the other hand, while you’re waiting, property prices could appreciate.

          If you’re retiring in the near term and dream of Europe, I’d encourage you to take advantage of the current window of opportunity to own a place of your own for what can amount to a bargain and discounted rate. With a European pied-à-terre of your own, you know what your retirement housing cost will be today, tomorrow, and forever—zero.

          Start Your New Life Today, Overseas






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            If the euro continues to depreciate, great. Your day-to-day costs of living continue to depreciate. When the euro turns up against the dollar again, you could likely ride things out. Over the course of a 20-plus-year retirement, you should expect to experience a slow roller coaster of exchange rates.

            Here’s another strategy for reducing your currency risk in retirement—invest locally to earn income in the same currency as your expenses. This could be as simple as buying a local CD… or more complicated—buying a rental property, for example, or starting a small business.

            While we aren’t yet able to buy our own home here in Paris, my family has hedged our currency risk by investing in both real estate and agriculture in Europe.

            We bought a preconstruction condo in North Cyprus a few years ago which is set for completion this year. We haven’t yet decided if we’ll flip it immediately or rent it out to earn some extra cash before selling it on.

            We’ve also bought into Spanish truffles a few years ago, which have earned us a modest sum in the last couple of years but which will continue to throw off an income that will grow each year for decades to come. This legacy investment will not only help us pay for our lives here in Europe, but eventually our daughter’s, too.

            Whatever you do to earn local currency, don’t move all of your assets to your new country. Hedge things by keeping some of your investments in your home currency… or in another currency in addition to your new one.

            Here’s one more option for protecting your pension check against currency fluctuations: Don’t put down permanent roots anywhere. Rent your residence wherever you decide to live, then pack up and head to a lower-cost-of-living country that appeals when the local currency turns against you.

            This kind of perpetual traveling can be done short- or long-term. You could make that move to Portugal today and stick around until the euro gets too expensive for you… if that happens again in our lifetime. Then you could shift your retirement to another country with a more attractive exchange rate.

            The bottom line is that you can take steps to take control of your cost of living in another currency. Don’t let exchange rate fears keep you from acting on opportunities for spending time or taking investment positions in Europe.

            Bonne route,

            Kat Kalashian signature

            Kat Kalashian

            Editor, In Focus: Europe

            Tags: 'Property In Spain'buying property Portugalcurrency riskmove overseasquality of life overseas
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            Kat Kalashian

            Kat Kalashian

            Kat Kalashian has grown up around the world, living in the United States, Ireland, France, and Panama, and has traveled extensively in her few years. Growing up as a young expat she is familiar with the trials and tribulations of an overseas move and the adjustments that must be made in every new destination. After living in Panama for seven years, she and her husband relocated back to Paris, France, in 2018 where they now live full-time with their American-born cat, Panamanian-born dog, and two French-born daughters. She's now been living in Paris for over 10 cumulative years, and enjoys being able to explore France and the rest of Europe at every opportunity. As head of Live And Invest Overseas’ European Division, she is Editorial Director of Europe Uncovered, a monthly subscription service, MCs the Europe based Live And Invest Conferences, and scouts out new locations for coverage on the Continent.

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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

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                  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

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                  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

                  FREE REPORT: The 10 Best Places To retire in 2025

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