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    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
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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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    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

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    overseas living letter offers affordable retirement guidance
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  • 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

    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
 Free Panama Guide

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Home Lifestyle

Move To Panama: Live Better And Save More

We Chose Panama When We Could Have Based Ourselves Anywhere—Here's Why

by Kathleen Peddicord
Oct 30, 2022
in Lifestyle, Panama, Retirement/Living
0 0
A map of Panama with a pin pointing to Panama City. los islotes. map of panama

“In 2013 my wife Carolyn and I decided we needed a change. Our lives in Hawaii were stalled.” Dusty Tubbs explains.

Finding Our Overseas Paradise

“We began researching options online and, the more we looked, the more excited we got about options overseas.

“We considered Costa Rica… then ruled it out when we learned that they’d abolished their retiree program.

“Looking at the map, Panama jumped out next as our ideal replacement destination.

“Its location was a big draw. It’s so accessible from the United States, but, unlike other warm and welcoming countries we could have chosen, it doesn’t get hurricanes.

Falling In Love With Panama

“We arrived in Panama for the first time for what amounted to practical reasons. Once here, though, it was love at first sight. We were won over immediately by the country and by the people.

“We knew after our first visit that we wanted to make Panama our home. It was everything we were looking for retirement living—beautiful beaches, a warm climate, lush mountainous terrain (that remind us of the Hobbit movies), and a large and vibrant expat community.

“We shopped around… considered many coastal options in Panama… but nothing fit us the way this spot on the Pacific fit us. Affordability was a key factor.

“Now, more than seven years later, we are settled into our custom-built home. We never could have afforded the life we’re living here in Panama back in the States.

“We’re here now indefinitely.

“Back in Hawaii, we were struggling to get by and to make ends meet.

“Here, we’re living very comfortably and well off just our pensions. Why in the world would we want to go back?

“Saving 75% of our daily cost of living in the States, we have been able to afford to travel to countries we only dreamed about before.

“Now, we look forward to wonderful years ahead building sand castles on our beach, helping baby turtles find their way back into the ocean, and being warm all the time.

“We’re embarking on a whole new chapter. And having the adventure of our lives.”

Dusty And Carolyn Found Happiness Here… And I Bet That You Could Too—Just Like Me And Thousands Of Other Folks

Dusty and Carolyn’s story is inspiring and exciting… but it’s not unique.

Indeed, Panama today is home to many thousands of folks who’ve taken the leap and reinvented their lives for the better in this land of sunshine and ocean breezes.

I should know, I’m one of them.

In fact, I’ve been making this case for more than 25 years, and I’m writing today to tell you that I’m more bullish on the opportunities and upsides on offer in Panama—for both fun and profit—than ever before.

Bottom line, if you are in the market right now for a place to live well, retire better, invest, own property, or do business overseas…

I’d say you’re doing yourself a big disservice if you aren’t looking closely at this little country at the hub of the Americas.

How Can A Country This Size Continue To Bring So Much To The Table?

If you’ve been reading these dispatches for any time, you’ve almost certainly heard us go on about Panama.

After all, we could have based ourselves and our business anywhere… and we chose Panama to be our base of operations.

We know Panama from a foreigner’s point of view like nobody else…

As I mentioned, I’ve been spending time and doing business in this country for more than 25 years… and I’ve been living and operating my business here full-time for more than 15.

Here in Panama, over the past two-and-a-half decades, we’ve bought pre-construction for investment and centuries-old French-colonial for renovation…

We’ve invested in raw land… both oceanfront and riverside… and both residential and commercial rentals…

We’ve started businesses, formed corporations, and opened bank accounts, corporate and personal…

We’ve acquired full-time residency through the country’s ground-breaking “Specific Countries” visa program…

We’ve hired staff, shipped household belongings, and put our son through school…

We’ve sourced architects and carpenters, paid local utility bills, researched which health insurance plan makes most sense for our family, bought cars (because finally we’d had enough of dealing with Panama City taxi drivers!), gotten local driver’s licenses, even started a local franchise (a family project)…

And our personal experiences in this tropical haven are only the beginning of what we bring to the table for this conversation.

Spending time and money in Panama as we have all these years, we’ve gotten to know everyone you’d want to know if you were thinking about following in our footsteps…

Our circle of Panama friends, expats, and advisors is extensive.

And, really, it’s not just me… you need to take advantage of all of us and all of our hard-won wisdom…

That is, to determine if Panama makes sense for your new life overseas, you need multiple perspectives.

Plus, you need experienced, professional counsel when it comes to things like taxes, banking, trusts, corporations, residency requirements, investor incentives, insurance…

My rolodex includes our trusted personal advisors, people you can count on to help you accomplish whatever you’re hoping to accomplish in this country safely and efficiently.

Better yet, I’d like you to meet my entire inner circle…

And that’s the plan for our Live And Invest In Panama Conference taking place in person in Panama City on Feb. 15–17, 2023.

Panama should be on your live-and-invest-overseas radar…

And the best way I know to find out if Panama is indeed the right place for you to plan to spend time and money is to join us in the room in Panama City in February.

Lief and I will be there with bells on… and joined on stage over the three days of the event by dozens of other Panama experts and expats… also all with their boots firmly on the ground in this land of opportunity.

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

Tags: 'Expats In Panama'Azuero PeninsulaChitrécosta ricaLive abroadlive in PanamaMove abroadMove to Panamaretire in panamasave money
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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

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  • Employment
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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
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