Live and Invest Overseas
The Best Places To Retire In 2025 Report
FREE REPORT: THE BEST PLACES TO RETIRE IN 2025
We Value Your Privacy! We will not share your email address with anyone else, period.
  • 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

    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

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    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
  • 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

    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

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    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
 Moving Out Of The U.S?

THE 10 BEST PLACES TO RETIRE IN 2025

the 10 best places to retire in 2025

PLUS: A SPECIAL BONUS DESTINATION

Simply sign up to receive the FREE daily e-letter, Overseas Opportunity Letter, and we’ll immediately email you our editors’ latest research report… absolutely FREE

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

Home In Focus: Europe

Europe vs. Latin America: Where Should You Retire?

by Kat Kalashian
May 09, 2025
in In Focus: Europe
0 0
Paris, beautiful buildings place des Victoires, typical parisian facades and windows

AdobeStock/Pascale Gueret

I lived in Panama for seven years before moving to France.

I love life in Paris but there are plenty of things about life in Latin America that I miss.

If you’re still debating which side of the pond is right for you, maybe these pros and cons will help you decide…

The Laid-Back Attitude Of Latin America

After the rigor of France, being in easygoing Latin America can feel like a breath of fresh air. No one there is too worried about anything, no one moves fast or demands much from anyone else.

And Latinos love kids, which is a boon for my young family.

On the other hand, this often translates into a lack of respect for your fellow people. Whether it’s being late for an appointment or causing a traffic jam because you wanted to have a chat in the middle of the road, you can see how being so relaxed about everything in life can have a negative impact on others.

One of my pet peeves in our modern age is people who use their phones with the sound on in public. This happens all over the world, of course, but in Europe, a pointed glare from across the room is enough to shame anyone into hastily silencing their device (in most cases).

In Panama (and many other places I visit), everywhere I go people are taking calls on speaker, watching loud videos without headphones, or playing games with the volume all the way up… and if anyone notices a glare, they don’t respond to it.

I like that in Europe there are rules and everyone follows them…

Queues form naturally and if someone tries to cut, everyone will point out their mistake. Traffic moves swiftly, even in congestion, because everyone knows how to behave on the road to make sure everyone gets where they need to go in a timely manner. Meeting times are respected. Noise nuisances are rare.

I also like that people respect their environment as much as those in it. No one litters, roads are well maintained, facades regularly repainted, and parking rigorously enforced.

These are things that are often lacking in Latin America.

Europe vs. Latin America: The International Twist On Cuisine

It’s hard to scorn French food, but if there’s one word you’d have to apply to it, it’d be Traditional, with a capital T.

Innovation isn’t high on the list of things the French value, and while I love the consistency and dependability of a Parisian brasserie, I feel like a bit of a rube when I visit other places with more inventive takes on my old favorites.

Chefs in Latin America are all about pushing the boundaries and experimenting with local flavors, often blending them into classic recipes for a delightful burst of flavor that you weren’t expecting. They often train abroad and gain work experience in other countries, then bring all that skill to bear back home.

I met one such Panamanian chef who’s worked in one of the official Best Restaurants in the World in Manhattan before returning to work at Lo Que Hay, which made the list of 50 Best Restaurants in Latin America a couple of years ago, and was the hottest new restaurant in Casco Viejo last I visited.

Unfortunately, they don’t take reservations and when we tried to get in, the place was already packed. We wandered over to Tántalo instead, a popular rooftop nightclub and restaurant that my husband and I used to frequent back in the day. We were blown away by the tuna tartare, which featured apple instead of avocado, and played with passionfruit and cilantro instead of relying on the classic soy and sesame flavors.

Still, there’s something to be said for the reliable old French basics. I love that I know when autumn comes, onion soup is guaranteed on every menu. When things warm up outside, it’s carpaccio and tartars that take center stage. You can predict French menus like you can predict the weather in Panama.

Speaking of…

The Seasons

I love the variety that seasons offer…

I love that I need to check the forecast every day in Paris to know what the day will hold. I missed wearing boots and sweaters when I lived in Panama, and I relish the cold now that I have it back.

In Latin America, at least around the equator, there are no seasons to speak of. Moreover, the sun rises and sets at about the same time every day no matter the time of year.

I love waking up with the sun at 6 a.m. or thereabouts, and starting the day off with an enthusiastic bang. Seeing the clear blue sky as soon as I get out of bed is like a jolt of energy.

When I lived in Panama City, I’d take my dog out for a run before the sun got too hot, hit the gym, go for a quick swim to cool down, make a smoothie with fresh tropical fruits and coconut water, then head to work by 8 a.m.

The downside is that the sun also sets before 7 p.m. every day, which can be a drag when you depend on daylight for motivation. It’s hard to want to go out again after getting back from work in the dark. But I love that it winds me down naturally for the day.

In northern Europe, the sun rises after 8 a.m. and sets before 5 p.m. in winter… In summer, the sun rises early like in Panama, but stays out until well after 10 p.m. European daylight hours can be inconvenient, to say the least.

With the consistent sunshine you can expect on the equator, you never really need to plan ahead for the weather. Every day is perfect for the pool or the beach, with minor blips of monsoon level rain to add to the spice of life in the tropics. I had a nice tan for nearly a decade, which was fun.

Europe vs. Latin America: The Business Culture

This one depends on the location you’re talking about in Latin America, but when it comes to Panama City, there’s a much more modern business mentality than anywhere in Europe…

And this is true of most capital cities south of the border, as well as most other densely populated cities. It’s only in the small towns and fishing villages that you’ll encounter the “mañana attitude” that North Americans associate with this part of the world.

When I say business culture, it comes down to things like opening and closing hours, a more consumerist mentality, and even the ability to start or manage a business.

Europe is far less evolved on the topic of anything commercial than anywhere on the far side of the Atlantic. Businesses don’t typically open until 10 a.m., close for lunch (at least an hour, if not two), and close by 6, 8 at the latest. Few things open on weekends. Laws inevitably favor employees over employers, and the taxes associated with running a business can be prohibitive.

I was shocked that many businesses open at 7 in the morning in Panama and close at 8 p.m. at the earliest. Hours are consistent six days a week, and while you can’t count on things being open on Sunday, it’s becoming more of a norm.

Which Continent Is For You?

This is obviously a subjective question… all of the above-mentioned issues could be a pro or a con… or both… depending on your preferences, priorities, and perspective.

Do you like the idea of an anything-goes culture? Or are you a rule follower by nature?

If you like order and calm, then Europe is more your speed. If you like chaos and unpredictability, Latin America will be more your speed.

Do you prefer stability and reliability over spontaneity and experimentation? When it comes to the weather, Latin America is more dependable, but when it comes to maintenance of the status quo, Europe is the winner.

If you like that feeling of off-road discovery and a no-taboos Wild West feeling, it’s Latin America.

If you like walking a well-paved road that’s clean and orderly—both metaphorically and literally—it’s Europe.

And, of course, these are grand generalizations. There are places on both continents that defy all these stereotypes, and places where they are true to varying degrees… I’ve tried to outline the extremes of the spectrum.

Which is for you?

If you think it might be Europe, why not join me for our upcoming France Workshop where we’ll take a deep dive into all the pros and cons of life in this Old World great.

Find out more and book your spot to join us, here.

Bonne route, 

Kat Kalashian signature

Kat Kalashian
Editor, In Focus: Europe

Tags: 'France''panama city'EuropeLatin Americalive in Francelive in PanamaPanamaParisretire in europeretire in latin america
Share83Tweet52
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.

Start Your New Life Overseas Today!
Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on The 10 Best Places To Retire In 2025.

We Value Your Privacy! We will not share your email address with anyone else, period.
Our Expertise Unlocks The World

quick links

  • Best Places To Live
  • Best Places To Retire
  • Finding A Job Overseas
  • Real Estate

LIOS Resources

  • New To LIOS
  • Ask An Expert
  • Media Center
  • Contact Us
  • FAQs
the 10 best places to retire in 2025
Sign up for our free daily e-letter, Overseas Opportunity Letter, and get your FREE REPORT: The 10 Best Places To Retire Overseas In 2025

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

As seen in

US Media Logos

© 2008 – Live and Invest Overseas™ – All Rights Reserved.

About Us / Contact Us / Privacy Policy / Terms / Unsubscribe
Facebook-f X-twitter Youtube Linkedin-in Instagram

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In
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

Live and Invest In Spain Conference

VALENCIA, SPAIN Sep. 17-19, 2025
Learn More About This Event

Offshore Wealth Summit

PANAMA CITY, PANAMA Oct. 15-17, 2025
Learn More About This Event
PRE-REGISTER

GREECE WORKSHOP

VIRTUAL Nov. 13, 2025
Learn More About This Event
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
VISIT OUR STORE

Free Report

THE 10 BEST PLACES TO RETIRE IN 2025

FREE REPORT: The 10 Best Places To retire in 2025

Sign up to receive the FREE daily e-letter, Overseas Opportunity Letter and we’ll immediately email you our editors’ latest research report…

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

LIBRARY

Follow Us:

© 2008 - Live and Invest Overseas - All Rights Reserved.

RETIRE OVERSEAS AND LIVE LIKE ROYALTY

Sign up for FREE to learn how. Plus, check out our FREE report on THE 10 BEST PLACES TO RETIRE


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

RETIRE OVERSEAS AND LIVE LIKE ROYALTY

Sign up for FREE and learn how to live the good life on a modest budget, find bargain property, and more. Plus, check out our free report on the 10 BEST PLACES TO RETIRE.

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