Live and Invest Overseas
  • HOME
  • COUNTRIES
    • TOP DESTINATIONS
      • PANAMA
      • PORTUGAL
      • MEXICO
      • FRANCE
      • GREECE
      • SPAIN
      • BELIZE
      • THAILAND
      • COLOMBIA
      • MONTENEGRO
      • THE DOMINICAN REPUBLIC
      • ITALY
      • ARGENTINA
    • RANKING & GUIDES
      • THE 12 BEST PLACES TO RETIRE OVERSEAS IN 2026
      • CHEAPEST REAL ESTATE
      • BEST PLACES TO RETIRE IN LATIN AMERICA
      • THE BEST PLACES TO RETIRE IN EUROPE
      • BEST HEALTH CARE OVERSEAS
      • BEST COST OF LIVING OVERSEAS
      • QUICKEST AND AFFORDABLE RESIDENCY OPTIONS
      • COUNTRIES WITH EASIEST GUN LAWS
      • BEST ENGLISH SPEAKING COUNTRIES TO RETIRE OVERSEAS
      • SAFEST PLACES TO RETIRE OVERSEAS
    • BUDGETS
      • CHEAP
        • HUA HIN, THAILAND
        • CRETE, GREECE
        • MENDOZA, ARGENTINA
      • AFFORDABLE
        • TARRAGONA, SPAIN
        • SANTA FAMILIA, BELIZE
        • GASCONY, FRANCE
        • SARDINIA, ITALY
        • KOTOR, MONTENEGRO
        • LAS TERRENAS, THE DOMINICAN REPUBLIC
        • BOQUETE, PANAMA
      • JET-SET
        • THE ALGARVE, PORTUGAL
        • PUERTO VALLARTA, MEXICO
  • REAL ESTATE
    • LATEST POSTS
    • THE OVERSEAS PROPERTY ALERT
    • BUYING REAL ESTATE FOR CASHFLOW
  • CONFERENCES
    • UPCOMING EVENTS
      • IN PERSON EVENTS
      • VIRTUAL EVENTS
        • 2026 LIVE AND INVEST IN MEXICO ONLINE WORKSHOP
        • 2026 LIVE AND INVEST IN FRANCE VIRTUAL CONFERENCE
        • 2026 OFFSHORE WEALTH VIRTUAL SUMMIT
        • 2026 LIVE AND INVEST IN COLOMBIA ONLINE WORKSHOP
    • CONTACT OUR EVENTS TEAM
  • RESOURCES
    • GLOBAL LIVING
      • LIVING & RETIRING OVERSEAS
      • RAISING A FAMILY ABROAD
      • FOREIGN RESIDENCY & CITIZENSHIP
      • OFFSHORE & DIVERSIFICATION
    • MAKING MONEY
      • INTERNATIONAL REAL ESTATE
      • BANKING
      • EMPLOYMENT
      • INVESTING
  • STORE
    • SERVICES
      • THE OVERSEAS LIVING LETTER
      • THE SIMON LETTER
      • GLOBAL PROPERTY ADVISOR
      • EUROPE UNCOVERED
      • THE PANAMA LETTER
    • REPORTS
      • EUROPE HAVEN REPORTS
      • OVERSEAS HAVEN REPORTS
      • PANAMA SPECIAL REPORTS
    • LAHARDAN BOOKS
  • MY LIBRARY
Live and Invest Overseas
  • HOME
  • COUNTRIES
    • TOP DESTINATIONS
      • PANAMA
      • PORTUGAL
      • MEXICO
      • FRANCE
      • GREECE
      • SPAIN
      • BELIZE
      • THAILAND
      • COLOMBIA
      • MONTENEGRO
      • THE DOMINICAN REPUBLIC
      • ITALY
      • ARGENTINA
    • RANKING & GUIDES
      • THE 12 BEST PLACES TO RETIRE OVERSEAS IN 2026
      • CHEAPEST REAL ESTATE
      • BEST PLACES TO RETIRE IN LATIN AMERICA
      • THE BEST PLACES TO RETIRE IN EUROPE
      • BEST HEALTH CARE OVERSEAS
      • BEST COST OF LIVING OVERSEAS
      • QUICKEST AND AFFORDABLE RESIDENCY OPTIONS
      • COUNTRIES WITH EASIEST GUN LAWS
      • BEST ENGLISH SPEAKING COUNTRIES TO RETIRE OVERSEAS
      • SAFEST PLACES TO RETIRE OVERSEAS
    • BUDGETS
      • CHEAP
        • HUA HIN, THAILAND
        • CRETE, GREECE
        • MENDOZA, ARGENTINA
      • AFFORDABLE
        • TARRAGONA, SPAIN
        • SANTA FAMILIA, BELIZE
        • GASCONY, FRANCE
        • SARDINIA, ITALY
        • KOTOR, MONTENEGRO
        • LAS TERRENAS, THE DOMINICAN REPUBLIC
        • BOQUETE, PANAMA
      • JET-SET
        • THE ALGARVE, PORTUGAL
        • PUERTO VALLARTA, MEXICO
  • REAL ESTATE
    • LATEST POSTS
    • THE OVERSEAS PROPERTY ALERT
    • BUYING REAL ESTATE FOR CASHFLOW
  • CONFERENCES
    • UPCOMING EVENTS
      • IN PERSON EVENTS
      • VIRTUAL EVENTS
        • 2026 LIVE AND INVEST IN MEXICO ONLINE WORKSHOP
        • 2026 LIVE AND INVEST IN FRANCE VIRTUAL CONFERENCE
        • 2026 OFFSHORE WEALTH VIRTUAL SUMMIT
        • 2026 LIVE AND INVEST IN COLOMBIA ONLINE WORKSHOP
    • CONTACT OUR EVENTS TEAM
  • RESOURCES
    • GLOBAL LIVING
      • LIVING & RETIRING OVERSEAS
      • RAISING A FAMILY ABROAD
      • FOREIGN RESIDENCY & CITIZENSHIP
      • OFFSHORE & DIVERSIFICATION
    • MAKING MONEY
      • INTERNATIONAL REAL ESTATE
      • BANKING
      • EMPLOYMENT
      • INVESTING
  • STORE
    • SERVICES
      • THE OVERSEAS LIVING LETTER
      • THE SIMON LETTER
      • GLOBAL PROPERTY ADVISOR
      • EUROPE UNCOVERED
      • THE PANAMA LETTER
    • REPORTS
      • EUROPE HAVEN REPORTS
      • OVERSEAS HAVEN REPORTS
      • PANAMA SPECIAL REPORTS
    • LAHARDAN BOOKS
  • MY LIBRARY
Live and Invest Overseas
Best Retirement Havens →
The 12 Best Places to Retire Overseas

Live Better Overseas
for Less Than You Think

Live and Invest Free Report

Enter your email to get your FREE guide instantly!

🔒 We respect your privacy. Unsubscribe anytime.

  • The retirement havens expats love most
  • Strong healthcare, infrastructure, and lifestyle
  • Climate, culture, and daily life insights
  • Monthly budgets from about $1,400–$3,000
Home Retirement/Living

An Ocean-View Apartment And A 22-Hour Work Week

by John Clites
Sep 25, 2024
in Retirement/Living
Google Add us as a preferred source on Google NO AI POLICY NO AI
Share:
Facebook X
Copacabana Beach and Ipanema beach in Rio de Janeiro, Brazil.

AdobeStock/f11photo

I’ve just finished class with Renata, a pediatrics resident who is going to the United States for a one-month observership. We’re focusing on conversation right now, but I’m also coaching her in American culture.

“Thank you, Teacher,” she says as we log off.

I’ve been teaching English for more than nine years now, and I’m still touched each time I hear those words.

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.
Renata was my last student of the day, so I log out of Skype, walk over to the couch, plop down, and open Netflix.

I’m living in Brazil, supporting myself teaching English. I teach professionals, mostly online. Between you and me, it’s not a bad life.

Most weeks I teach between 20 and 22 hours.

Three mornings a week, I meet my personal trainer at the beach at 7 o’clock.

After my workout, we return to my apartment where I give him an English class in exchange.

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.
I have a morning class Tuesdays and Thursdays, a noon-time class most days, and a block of classes each weeknight 6 p.m. to 9 p.m. I devote another couple of hours on Friday morning to doing lesson plans for the coming week while listening to oldies on YouTube.

My schedule may seem a bit disjointed to some, but it works for me. It affords me lots of time during the day to run errands, pursue other activities, or simply to loaf. I usually finish my planning work by mid-morning on Friday, which is nice if I want to get away for the weekend.

Currently I charge 98 reais per hour (about $18 at current exchange rates). I probably should think about increasing my rates, but my income from teaching

covers all my monthly expenses and affords me a comfortable middle-class lifestyle. I live in a modern, furnished apartment just four blocks from lovely Tombo Beach, with a view of the South Atlantic.

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.
More than that, I have a super bunch of students, and I truly enjoy what I do. Not everyone can make that claim.

How did I get started teaching online? It was a bit of serendipity...

About 10 years back, after getting hammered in the real estate debacle in South Florida and the subsequent stock market plunge, I did some soul searching and decided that I needed a “do over.”

I divested myself of most of my possessions and headed to Brazil. I had visited Brazil several times before this and had had the idea that I could make a living teaching English there.

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.
I relocated to Rio de Janeiro, where I did well. Almost too well. After three years, I had a full schedule and was running around town morning to night teaching students in their homes and offices. I was becoming frazzled, and decided another move was in order.

I relocated to the small town of Paraty, a few hours south of Rio. Paraty is a lovely colonial city featured in all the guidebooks. I figured that, thanks to the town’s thriving tourism industry, English classes would be in high demand.

This time I guessed wrong. I found few students, not enough to pay the bills.

I contacted my old students in Rio, asking if they’d like to continue classes with me online. Some agreed to give it a try. About the same time, I met a couple of folks from São Paulo who were visiting Paraty and signed them up as students, as well.

From there, boca a boca (word of mouth) took over, and I added students steadily. Today I don’t have to look for students and often have to turn away students I can’t fit into my schedule.

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.
Although I defaulted into teaching online, I find that I prefer it to teaching face to face when possible.

Teaching English—either in person or online—has a lot to recommend it. Some of the many positives include:

  • If you are a native (or near-native) English speaker, you can almost certainly do it. After all, you already know the subject matter cold; you just need to learn how to impart what you know.
  • The demand is huge, and it’s only going to increase. In many parts of the world, English teachers—especially native speakers—are in very short supply.
  • The earnings potential is solid, at $15 to $20 per hour… more if you settle into a good niche. And after you sign up a student, you’ve put in place a steady income for months or even years.
  • The cost of entry is low. Traditional brick-and-mortar businesses typically require a heavy investment and entail risk. You can get started teaching English on a shoestring.
  • (Shhhhh!) Don’t tell anybody I said this, but it really isn’t that hard! Actually, many classes are a lot of fun. Last week I had music classes with three students, listening to songs and interpreting the lyrics. And I’m currently reading “Fear and Loathing in Las Vegas” with another student.

To me, teaching online is better still, for several reasons:

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.

  • You work from home, so you don’t have to go out in bad weather or deal with traffic.
  • Because you have no commute, you avoid transportation costs, and you don’t lose time traveling from student to student.
  • You can schedule consecutive classes without gaps between them, allowing you to teach more in peak periods. And, of course, that means higher earnings.
  • Students like online classes, too. Wouldn’t you prefer having class in the comfort of your own home, in a relaxed environment?
  • It’s a wonderfully portable profession. You could teach from right there in Peoria… or from your new retirement home in Panama. As long as you have a reasonably decent internet connection, you’re set.
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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.

What holds people back?

I can’t say enough good things about the upsides of earning an income teaching English online. Still, many folks are hesitant to try it. Some of the more common reasons I’ve heard are:

“I’m no good with tech!”

The truth is, you don’t need to be a tech whiz. If you have a computer and know how to use Skype, you’ve already met the major requirements.

“I’m too old.”

As Colonel Sherman Potter would say, “Horse hockey!” While some online schools prefer young teachers (especially to teach children), that’s not true of most. And many students actually prefer a more mature teacher, who has more work and life experience to share.

“I’m terrible at grammar!”

Look, you already know English grammar inherently. What you need to learn is a bit of nomenclature. Work your way through a good textbook such as “English Grammar in Use” by Raymond Murphy, and you’ll feel much more comfortable. It’s also important to understand that most classes aren’t focused on grammar, but conversation.

“I don’t have a degree or certification.”

While some online schools prefer a degree and/or certification such as the TEFL, not all do. Demand for English teachers is very high, and if you are a native speaker, that may be all that a school or private student really cares about.

“I wouldn’t know how to find students.”

Few of us enjoy marketing, but remember that the demand for English teachers is huge, and that works in your favor. Prime the pump, and the students will flow forth. Also, you can always begin by working with an online school, which will find the students for you.

When you hear the words “teaching English” you may envision parsing a sentence like your fifth-grade teacher did on the blackboard. But that’s not what you’ll be doing.

Many classes are centered around conversation. I might use a prepared lesson or simply have the student read an article for me, correcting pronunciation and explaining vocabulary as we go.

Any topic is fair game, but food, travel, sports, and world affairs are popular, as are hobbies. As students advance, I also like to read and discuss short stories with them.

You might prepare students for work or study abroad. This can involve coaching them in how to take a test, helping them to complete an application or to write an essay, or simply giving them cultural tips, as I’m doing with Renata. (“You must tip so much?! Really?”)

Many students need English for their jobs. They need to learn specific vocabulary and how to navigate specific situations in English. If you have a background in IT, hospitality, health care, engineering, real estate, or general business, you may be able to command top-end rates, as, all around the world, professionals in these fields need English.

When I began teaching English, I never expected to be still doing it more than nine years down the road. But I enjoy it, I’ve found that I’m good at it, and I’m fairly compensated.

Also, I know that I am truly making a difference in the lives of my students.

What more could I ask for?

Sincerely,
John Clites
Contributor, Overseas Living Letter

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 12 Best Places To Retire Overseas In 2026.
We Value Your Privacy! We will not share your email address with anyone else, period.

John Clites

John Clites

John Clites is a U.S. citizen currently living in Brazil under permanent residence. He divides his time between teaching English, writing about Brazil, and maintaining an on-again, off-again blog.

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 12 Best Places To Retire Overseas In 2026.

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
Sign up for our free daily e-letter, Overseas Opportunity Letter, and get your FREE REPORT: The 12 Best Places To Retire Overseas In 2026

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

As seen in

US Logos
© 2025 – Live and Invest Overseas™ – All Rights Reserved.
About Us / Contact Us / Privacy Policy / Terms / Unsubscribe
Facebook-f X-twitter Youtube Linkedin-in Instagram
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

2026 Live And Invest In Mexico Online Workshop

Online Aug. 22, 2026
Learn More About This Event

2026 Live And Invest In France Conference

Online Sept. 25-26, 2026
Learn More About This Event

2026 Offshore Wealth Summit

Online Oct. 14, 2026
Learn More About This Event
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

FREE Report

The 12 Best Places to Retire Overseas in 2026

Simply sign up for our FREE daily 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.

LIBRARY

Follow Us:

© 2008 - Live and Invest Overseas - All Rights Reserved.

Book Cover
User

From the desk of Kathleen Peddicord
Founding Publisher, Live and Invest Overseas

The 12 Best Places to
Retire Overseas in 2026
Live better overseas—for less than you think.
Inside Your Free Report:
  • Where expats are already thriving around the world
  • Destinations with strong healthcare, infrastructure, and lifestyle
  • Climate, culture, and daily life in each location
  • Real-world monthly budgets—from ~$1,400 to ~$3,000
Enter your email to get instant access to your report.
You’ll also receive our free daily Overseas Opportunity Letter.
100% FreeNo obligations
Unsubscribe AnytimeOne-click unsubscribe
Privacy ProtectedYour info is never shared
Where Can You Live Well Overseas on Less Than $1,500 a Month?...
See The 12 Places →
RETIRE OVERSEAS AND LIVE LIKE ROYALTY
Sign up for FREE to learn how. Plus, check out our FREE report on THE 12 BEST PLACES TO RETIRE

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