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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.

    • Spain
    • Portugal
    • Panama
    • Belize
    • Colombia
    • Cyprus
    • Mexico
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    • 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

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    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Argentina Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

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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

    Argentina 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
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THE 10 BEST PLACES TO RETIRE IN 2025

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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.

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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''Colombia''Nicaragua''retire'aging overseasEuropeLive 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.

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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 

 

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Discover tips and strategies used by global property investing veterans

READ MORE

Explore Our Latest Posts

 

Learn how to invest and purchase property abroad…

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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

Argentina 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

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  • The Simon Letter: Wealth Protection Insights
  • Global Property Advisor: Global Investment Opportunitites
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