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      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

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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
         Moving Out Of The U.S?

        THE 10 BEST PLACES TO RETIRE IN 2025

        the 10 best places to retire in 2025

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          Home Lifestyle

          Busting Myths: Expectation Versus Reality Of Moving Overseas

          Expat Myth Busted—You Do Not Have To Be Rich To Retire Overseas

          by Dusty Tubbs
          Sep 09, 2021
          in Investing, Lifestyle, Panama, Travel
          0 0
          Canal de Thiou, Annecy, France.

          Alamy/Jan Wlodarczyk

          Recently, Mary M. from the United States, wrote in to say:

          “Kathleen, I do not believe a word of those articles you publish from the people who say they quit their jobs and are traveling around.

          “Please don’t print stuff that is fantasy. It just isn’t fair.”

          In response, All Access Pass Member Dusty Tubbs wrote us this letter that I’d like to share with you today. It’s an important reminder of what you don’t need to enjoy a great adventure and richer life overseas.

          Over to Dusty…

          * * *

          All right, Mary M., to be fair, I did not quit my job and move overseas.

          The reality is I did not have a job to quit.

          Tired of using my brawn and wanting to use my brains, I quit my big-box retail job and returned to live the life of a full-time student.

          Graduating with honors, I took my newly printed diploma from my master’s degree and went in search of a good-paying job.

          Unfortunately, I was not to be rewarded for my hard study. Hotels and local shops were going out of business faster than the government can spend money.

          The primary airline that brought the much-needed tourists to our local community also went bankrupt. No tourists meant a severe loss of revenue… adding to more businesses closing their doors.

          So, in reality, I did not quit my job to move overseas. I would have had to have found one first.

          Instead, I began a rigorous search for a location where my wife Carolyn and I could move. Somewhere that would allow us the ability to live in comfort off my retirement pensions.

          Before you bemoan the fact that you’re not a wealthy retiree, let me set the record straight on another misconception—namely that you have to be rich to live overseas.

          My first career (if you want to call it that) was in the U.S. Navy. Of course, we know that all high school graduates join the military to make their fortune. It’s the easiest way to become wealthy, right?

          After over 30 years of service, the navy sent me home. I wasn’t ready to retire yet. I was still having too much fun.

          But orders are orders, so I departed the military and began a second career as a teacher. Another wealth-building profession…

          I departed the world of education when our local chancellor decided that the college district’s funds would be better spent on him and his family. Which took me to my aforementioned big-box retail job.

          Fortunately, I also managed to become a private investor—mostly dealing in stocks. In spite of the stock market crash and the housing bubble burst, I did manage to build a small investment fund.

          With my investment money, Carolyn and I managed to move to Panama, buy a house, and start a new life.

          We also like to travel a lot. How do we manage that?

          Moving to the interior of Panama allowed us to save 75% of our daily cost of living. The money we saved we now spend traveling around Central and South America and the Caribbean.

          It was a Live and Invest Overseas conference, a few years back, that kick-started our offshore adventure.

          I invite Mary, and all of you Overseas Opportunity Letter readers, to come join us at a future event and learn the ins and outs of living, investing, and doing business overseas.

          At A Live Event, You Get To:

          • Personally meet the speakers—to ask your questions and share contact information…
          • Get the straight scoop—no hype, no baloney…
          • Express your fears and concerns—knowledge is the best way to slay the boogeyman…
          • Interact with other like-minded conference attendees…
          • Most importantly—listen live to the experts as they share their knowledge…

          These expats are just your average, run-of-the-mill, extraordinary people who have decided to move overseas.

          I say extraordinary because the “ordinary” people are the doubters who never take the first step to finding the truth about this remarkable lifestyle.

          Dusty Tubbs
          All-Access Pass Member and Full-Time Expat in Panama

          Tags: 'Work Overseas'live in PanamaMove to Panamaoffshore wealth summitPanamaretire abroadretire overseasVeteran
          Share117Tweet63
          Dusty Tubbs

          Dusty Tubbs

          After he’d been in the U.S. Navy for more than 30 years, Dusty decided it was time for a change. Retiring from the Navy, Dusty next became a professor for the Ventura Community College District before going to work with a big box retailer. The downturn in the economy in Hawaii, where he was living at retirement, prompted Dusty and his wife Carolyn to seek new opportunities and new adventures overseas. The couple moved to Chitré, Panama, in 2013, where they are now full-time residents and adventure seekers and Dusty is reinventing his life as a freelance copywriter and photographer.

          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.

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






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