Live and Invest Overseas
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

    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

      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
      DISCOUNT
      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
    • 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

        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
        DISCOUNT
        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

      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 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
        Share99Tweet52
        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.

        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
          DISCOUNT

          Offshore Wealth Summit

          PANAMA CITY, PANAMA Oct. 15-17, 2025
          LEARN MORE
          PRE-REGISTER

          GREECE WORKSHOP

          VIRTUAL Nov. 13, 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…






            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.