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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.

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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

          • 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
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          Home Offshore

          The 2 Biggest Concerns Retirees Have Before Living Overseas

          One Retire Overseas Challenge You May Not Have Considered

          by Kathleen Peddicord
          Sep 11, 2022
          in Offshore, Retirement/Living
          0 0
          Senior couple sitting together on lake bank

          Adobe Stock/Luengo_ua

          The Forbes reporter who interviewed me recently wanted me to give it to him straight.

          “Living or retiring overseas,” he began, “is an exciting idea on the surface… but there must be downsides.

          “What are the biggest concerns people have after making a move to another country, once the honeymoon is over?” he wanted to know.

          “I can think of two,” I told him…

          Problem #1. Missing Family And Friends

          The first big-deal distress that can take hold after settling into a new home in a foreign place is missing family and friends, especially children and grandchildren, back in the place where you came from.

          If you’re used to being a regular part of your grandkids’ lives, breaking that connection will hurt.

          The good news is that you have more good options for addressing this risk today than ever.

          FaceTime, Skype, and video chat technology make it possible to “see” your kids and grandkids everyday if you want.

          Of course, FaceTiming with your 4-year-old grandson is not the same as bouncing him on your knee, but it can make the separation easier to deal with.

          If you have children or grandchildren in your life who you want to keep in your life after you’ve relocated your life to a new country, make sure you include a generous travel allotment in your budget. Build in the cost of visiting your kids and grandkids and of having them come to visit you and then make those visits count.

          What a great opportunity for your grandchild to spend two months each summer with you in your new home at the beach or in Old World Europe, for example.

          Problem #2. Aging Overseas

          The second real-life practical issue associated with moving overseas is aging overseas.

          Say you’re 55, and your spouse is 62. The two of you retire this year to Panama.

          You love your new life in the hills outside Boquete. The wildflower-filled countryside makes for lovely views from your bedroom window and back porch. Your new neighbors welcome you into their community. You become involved and connected, volunteering at a local school. The affordable cost of living means you’re able to travel often…

          Life is good.

          Fast-forward 10 years, and your spouse, now 72, has a stroke. He’s unable to get around and can’t be left on his own.

          At 65, you’re still healthy but beginning to slow down…

          And you have a choice to make.

          Are you going to carry on living in the relatively remote region of Panama where you and your husband have made a new life for yourselves, realizing that, as the years pass, it will become harder and harder for you to take care of your husband and yourself without the support of family…

          Or are you going to return to your family?

          This is a real-life example, the story of a couple of friends who retired to Panama a decade ago. Last year, the husband had a stroke… and the wife faced a very difficult decision.

          Start Your New Life Today, Overseas






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            She could have hired in-home help, which is common in Panama and a bargain compared with the cost of that kind of nursing support in the States.

            But she chose to take her husband back to the Midwest, where her children and grandchildren are living.

            “I feel like I’m letting my husband down,” she told me after she’d made her mind up to return to the United States.

            “It was my dream but his, too, to live here in Panama as we have been. And he’s loved it here. We both have…

            “I’m afraid I’m failing him, but I think I need to get us both back close to our family.”

            “You aren’t failing your husband,” I told her. “And you aren’t failing yourself.

            “You aren’t failing at all!

            “You and your husband have had a grand adventure… a decade of extraordinary experiences and new friendships that you’ll cherish for the rest of your lives.”

            Retiring overseas doesn’t have to be a one-way trip. You can always go back.

            And going back isn’t giving up. It’s simply the start of a next phase.

            Two Practical Comments On This Topic

            First, this is why we recommend that you keep Medicare when living or retiring overseas. Think of it as a backup plan. Should you decide at any point in the future… even many years down the line… that you’d like to return home to take advantage of family support and U.S. health care, you’ll be glad you’ve kept up your Medicare payments.

            Second, I believe that it won’t be too many years before you’ll have another option for growing older overseas.

            In the early 1980s, developers in locations attracting attention from foreign retirees and expats began building products specifically for that market. Today, across Latin America and the Caribbean, especially, you find gated communities conceived and developed for North American buyers.

            Now developers are realizing a new product opportunity—private communities for that market that incorporate age-in-place and assisted-living facilities.

            Such communities are being built in Bogotá and Medellín, Colombia, for example, and in Portugal… and I know developers planning such projects in Panama.

            Not everyone who moves overseas wants to move back to wherever he came from when he needs a little help managing day-to-day living… and not everyone has family to return to.

            I predict that this growing market niche will be better addressed very soon.

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

            Tags: 'Boquete''Nicaragua''retire'aging overseasColombiaEuropeLive abroadlive overseasMove abroadmove overseasPanamaretire abroadretire overseas
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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.

            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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                  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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                  READ MORE

                  Explore Our Latest Posts

                   

                  Learn how to invest and purchase property abroad…

                  EXPLORE

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                  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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