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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
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      • Browse All Countries

      Best For:

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      • 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
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      Follow Us:

      • Meet Our Experts
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      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.






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        Buying Real Estate For Cashflow

        • Discover tips and strategies used by global property investing veterans

        Explore Our Latest Posts

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        Go To The Overseas Property Alert Site

        • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
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        Offshore Wealth Summit

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        VALENCIA, SPAIN

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        PANAMA CITY, PANAMA

        Oct. 15-17, 2025

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        Toll-Free U.S. and Canada:
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        Reach us with your questions by email at: events@liveandinvestoverseas.com

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        • Expats' comprehensive destination guides

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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

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        Home Lifestyle

        News From Readers Living And Retiring In Portugal

        The #1 Place To Retire Overseas—And Why It May Not Be For You

        by Kathleen Peddicord
        Jul 31, 2022
        in Lifestyle, Portugal, Retirement/Living
        0 0
        Panorama of the city of Porto in Portugal

        Adobe Stock/Fred

        Here’s one of my favorite retire-overseas stories…

        “About a year ago, my wife and I made the leap,” writes Terry O’Halloran. “We moved halfway around the world, to Portugal.

        “Maybe we were a little crazy, but we haven’t looked back and we couldn’t be happier.

        The Start Of Our Journey

        “We’d lived in Hawaii for 40 years, and my wife Ann had just retired from her career as an emergency room nurse. It was time for our next phase in life, and we wanted to make the most of it. We’d saved enough, but we didn’t want to just settle into a ‘comfortable’ retirement. We wanted new, different, and exciting.

        “Both of us are active and healthy, and we love traveling. We thought a simpler life, where less could be more, sounded very appealing.

        “Live And Invest Overseas soon became our guide as we explored the idea of living outside the United States. We acquired country reports and did the recommended research into what expat living might entail.

        Discovering Portugal

        “When Portugal popped up on Live And Invest Overseas’ list as the best place to live in the Old World, we really became interested. We’d traveled internationally for years but never to Portugal.

        “We knew our criteria for the right place for us. A mild climate was important, as was living near the ocean, good health care, safe environment, interesting culture and history, good food, and a reasonable cost of living and of establishing residency. We were also looking for a place where we could get by speaking English.

        “We learned that Portugal had it all.

        “Our friends asked why we were going to live in a place we’d never seen. Ann would simply reply, ‘Why not?’ She was ready for adventure! We were both ready

        The Adventure Begins

        We sold our house, most of our possessions, packed our suitcases and cameras, and headed into an unknown future where going back was not an option. We decided we were all in.

        “Portugal’s Algarve region looked interesting, but we wanted to be near Lisbon, at least initially. Once again, we turned to Live And Invest Overseas and their contact in Lisbon, Luis da Silva. We felt like we hit the jackpot with Luis. He found us a beautiful, fully furnished two-bedroom apartment in Costa da Caparica, with an ocean view and a short walk to the beach, just outside Lisbon, south of the Rio Tejo.

        “The beaches in Costa da Caparica are enormous, with miles of sand and so many exquisite seashells, some of which are now displayed on a shelf in our home. Surfing is a big deal here, we were surprised and happy to discover. The surf is world-class and so are the surfers. Although we don’t surf, we love watching. It helps us feel close to our former home in Hawaii.

        “Life without a car is something neither Ann nor I have experienced since we were in high school. Now we walk wherever we can and use the bus, train, and Uber to get around to places too far for walking. Back in Hawaii, I’d never take the bus, always driving everywhere, never realizing how it can be isolating. Using public transportation, I feel more a part of the community, meet new people, and have a better sense of place. At some point we may get a car, because there are a lot of remote places we want to explore, but for now using our feet and public transportation suits us just fine.

        “After three months, when the lease on our initial rental was expiring, we decided to move closer to Lisbon. This time Luis found us another two-bedroom apartment with an ocean view in Caxias, midway between downtown Lisbon and Cascais. It was a small community with quiet neighborhoods and friendly people. Next door was a large house with lots of trees and shrubs. Living on that property was one of the most beautiful peacocks we’d ever seen. Each morning we watched him stretch his feathers and prance around. You never know what you’ll find in Portuguese neighborhoods!

        “Caxias turned out to be too quiet for us. With only a couple of small neighborhood grocery stores, we frequently took the train to Cascais for supplies. It didn’t take long to realize that we’d be much happier in Cascais… meaning it was time to move again.

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        Finding Our Haven In Cascais

        Panorama of Cascais, Portugal
        Adobe Stock/joyt

        “Cascais seemed to have everything we were looking for, and we loved that it is just a 40-minute train ride to the center of Lisbon. Luis again helped us find a great apartment with a sweeping ocean view on one side and a spectacular view of the Sintra Mountains on the other. This is, without a doubt, our favorite apartment and place in this country. Now we feel like we’re home. We love Cascais.

        Life In Cascais

        “There’s so much to see and do here that we feel like we are only beginning to discover the true nature of Cascais and its surrounding areas. Our favorite discovery so far has been the enormous Cascais market on Wednesdays and Saturdays, with fishmongers, bakers, butcher shops, and the freshest seasonal produce you can find at prices easy on the wallet. This is a happening place with a strong sense of community.

        “Cascais is also spectacularly beautiful with clean ocean waters, a rugged coastline, white sandy beaches, stone buildings, cobblestone sidewalks, and several parks. When the sun or moon rises over the bay, you can feel the romance in the air. My wife and I feel like we’re falling in love all over again. Our favorite pastime is strolling along the bay holding hands.

        “The people here are marvelous… friendly, welcoming, and helpful beyond expectation. Although we get by with English, we’re trying to learn Portuguese. It’s a challenge but worth the effort. People I meet are willing to help me learn, and the smiles are priceless when I actually pronounce a word correctly.

        “We love to walk, it keeps us from getting rusty. One of our favorite walks, 15 minutes from our apartment, is to one of the oldest active lighthouses in Portugal, the Farol da Guia. From there we follow an excellent walking/bike path along the coastline of rugged seaside cliffs into downtown Cascais.

        “In the center of Cascais, outdoor cafés, restaurants with seaside dining, and interesting shops abound. In addition to the parks, there are forts, museums, flowers year-round, palm trees, and statues everywhere. We often stroll around with no destination or time constraints, just enjoying the sites and taking photos.

        “Summer in Cascais is all about getting outside and enjoying the beaches. This time of year, we share the city with a vibrant tourist crowd from all over the world. The winter months are much quieter with mostly just local Portuguese folks to keep us company. We like both seasons and the differences each brings.

        “One thing that helps to create the strong sense of community here is the annual events calendar. All year long we have outdoor concerts and fireworks by the bay. Then there’s a Festival of Light when light artists from around the world project their art on city structures… international sailing races… equestrian events… and each summer cerveja (beer) and sardinha (sardine) festivals.

        “Magnificent Lisbon is on our doorstep. This city reminds us of San Francisco with its red 25th of April suspension bridge, trams (cable cars), and steep, narrow streets. We’ve traveled to Lisbon for concerts, a bullfight, and great dinners out. Recently we found a Chinese restaurant that serves respectable Peking duck and an excellent Italian restaurant perched on a cliff over the ocean. I could go on and on, but you get the idea.”

        Terry and Ann have found their ideal home in Cascais. But, of course, it’s not the only option in Portugal.

        Expats in other corners of this country are just as passionate about their finds…

        At Home In Porto

        View of Porto Portugal, two colorful boats with the city behind them
        Adobe Stock/SeanPavonePhoto

        Jana Oliver and her husband Harold Buehl chose to call Porto (Portugal’s second city) home:

        “Porto’s history is centuries-deep,” reports Jana. “With that history comes architectural treasures from the Palácio da Bolsa to the Sé Catedral. But there’s much more to this city than postcard photo ops.

        “One of our must-haves in our new home, in accordance with our commitment to improving our health and reducing our waistlines at this stage of life, was a ready source of fresh produce, meat, and fish.

        “Porto has us covered. Within a few minutes’ walk of our apartment are numerous mom-and-pop produce and butcher shops. And, despite being in the heart of the city, prices are affordable.

        “Porto has a long history of sharing its treasures with newcomers. For us, part of the fun of living here has been seeking out this city’s markets, both the reoccurring ones and those that pop up less regularly.

        “After a successful scouting trip, we proudly carry home our plunder. Our unique treasures have furnished our home here and have provided the makings of many memorable and healthy meals.

        “It’s all part of our new life in one of the most vibrant corners of the Old World.”

        Sincerely,
        Kathleen Peddicord signature
        Kathleen Peddicord
        Founding Publisher, Overseas Opportunity Letter

        Tags: AlgarveCascaiscost of living in portugallagosLisbonlive in PortugalPortoRetire In Portugal
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        Kathleen Peddicord

        Kathleen Peddicord

        Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

        Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

        Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

        Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

        Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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          To Live Overseas?

          Super Cheap

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          Cheap

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          • Kyrenia, Cyprus
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