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    Super Cheap

    • Chitré, Panama
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    • 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
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    Luxury

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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

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      • 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

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        Go To The Overseas Property Alert Site

        • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
      • Conferences

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        • 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
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        Contact Our Events Team

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

      • Store

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        • 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
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        Home Retirement/Living

        Why We Didn’t Include These Retire Overseas Locations

        9 Places Not To Retire Overseas

        by Kathleen Peddicord
        Sep 12, 2021
        in Retirement/Living
        0 0
        Civic Centre across Maitai River, South Island, New Zealand

        Alamy/Greg Balfour Evans

        As we finalize plans, presentations, and panel discussion talking points for this week’s Retire Overseas Virtual Conference kicking off bright and early tomorrow morning, we’re reminded that some of our top picks can be surprising.

        Some of the destinations we’ll be featuring are not as widely publicized as others that we have chosen not to include.

        Why have we omitted some of what are typically thought to be the most desirable overseas retirement havens from the list?

        We don’t normally approach this conversation from this perspective, but I thought it might be helpful to share our thinking on places we’re choosing not to include.

        This is not to say that these would be “bad” places to live or retire… simply that we don’t count them among the world’s best today…

        Why Not Loja Or Otavalo?

        loja ecuador square
        Image Source: flickr/Angie Drake
        Loja

        We chose to feature Cuenca as part of our Retire Overseas Virtual Conference program over other, also-popular Ecuadorian choices.

        Why? First, the existing expat community. Although other towns in Ecuador have begun to attract foreigners, Cuenca is the hub for expat retirees in Ecuador.

        We also like the city itself, prefer it over its competition. This is a colonial gem, an architecturally beautiful city with a great deal to offer by way of culture—opera, theater, museums, galleries…

        Good luck finding this level of sophistication and infrastructure anywhere else in Ecuador outside Quito (which we also would not recommend as a place to live).

        Why Not Uruguay?

        San Francisco Fisherman's place near the town of Piriapolis in the Uruguay Coast
        Alamy/Kseniya Ragozina

        Uruguay has gotten expensive, too expensive for the lifestyle on offer, and it’s likely to become more expensive still.

        Uruguayans are used to the devaluation of their peso. They refer to appreciation as atraso cambiario, “the exchange rate is running late.” Because of this phenomenon, prices for many big-ticket items in Uruguay (including real estate, cars, and even high local salaries) are quoted in U.S. dollars.

        Why Not Brazil?

        A wave crashes at Praia da Costa, Vila Velha, Espirito Santo, Brazil
        Alamy/Andre Seale / VWPics

        High crime rates keep much of Brazil off our radar and out of our survey. That said, along the northeast coast in the Fortaleza area, you can enjoy super-cheap coastal buys in safety.

        Further, the bureaucracy, red tape, and corruption at all levels involved with getting anything done in this country are significant downsides to life here. The country doesn’t make establishing residency easy and offers no retiree benefits program.

        Also, Brazilians speak Portuguese, which, for most of us, is not as easy to muddle through as Spanish, French, or Italian.

        Why Not Ajijic, Chapala, Or Merida?

        Wooden sculpture and cafes on the main plaza in Ajijic, Mexico
        Alamy/Greg Vaughn
        Ajijic

        Mexico offers many well-publicized options for the foreign retiree. Why did we choose Puerto Vallarta and Mazatlán, specifically, over the rest of the choices for next week’s conference? Because these destinations offer the best options anywhere for the retiree looking for developed Pacific coastal living on a budget.

        Nicaragua, Panama, Costa Rica, and Ecuador all also offer Pacific coast options, but none is anywhere near as fully appointed as Puerto Vallarta, which offers marinas, country clubs, golf courses, shopping, and fine dining.

        Mazatlán, meantime, offers the full package—life on a beautiful Mexican beach with the comforts, amenities, and distractions of a real city backing it up.

        Why Not New Zealand?

        The Waiwhakaiho River, the city of New Plymouth, and Mount Taranaki, New Zealand
        Alamy/travellinglight

        We like New Zealand as a part-time retirement spot, but we didn’t include it in our program this year because it’s just not a realistic full-time option for the typical retiree. The truth is, New Zealand (like Australia) isn’t keen on the idea of foreign retirees and doesn’t make it easy for the retiree to establish residency. In fact, in most cases, it’s not possible.

        Why Not Costa Rica?

        Turquoise water in Tamarindo Beach, Costa Rica
        Alamy/Oscar CB

        About four decades ago, Costa Rica decided to make a business of the foreign retiree. The Costa Ricans invested in a formal and successful advertising campaign, targeting Americans primarily. Tens of thousands of would-be retirees from the States took up the invitation and relocated to this beautiful land of hills and rainforests.

        The benefits Costa Rica offered retirees who became resident were terrific, including the original pensionado program against which others were measured for decades. In addition, way back when Costa Rica made a name for itself as a top retirement choice, the cost of everything from groceries and eating out to prime coastal property was super cheap.

        Fast forward a couple of decades, and, thanks to investors and speculators, Costa Rica wasn’t so cheap anymore, neither its cost of living nor its beachfront real estate. And, while prices had risen dramatically, the infrastructure hadn’t kept pace. Retirees were happy to overlook falling bridges and unpaved roads when prices were low. Harder to rationalize putting up with failing infrastructure in the face of appreciating costs.

        Worse, after working so hard to woo American and European retirees, Costa Rica seemed to change its mind. The Costa Ricans didn’t eliminate their famous pensionado program; they simply eliminated most of the tax breaks it had promised, as part of a deficit-reduction austerity package.

        And they didn’t grandfather in existing pensionados. So those who’d chosen Costa Rica for the retiree benefits it offered were surprised and disappointed to find that those benefits existed no more. Now the Costa Rican government is considering a further pensionado program adjustment. They’re talking about increasing, maybe substantially, the minimum monthly income requirement to qualify. And, again, if the change is made, existing pensionados won’t be grandfathered in. To renew your status, you’d have to qualify under the new requirements.

        Sincerely,

        Kathleen Peddicord signature
        Kathleen Peddicord
        Founding Publisher, Overseas Opportunity Letter

        Tags: 'Brazil''Ecuador''retire to costa rica''retirement'Mexico'New Zealandretire abroadretire overseasRetire To Ajijicretire to BrazilRetire To MeridaRetire To New Zealandretire to UruguayUruguay
        Share102Tweet52
        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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          Top Countries

          • Spain
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          • Belize
          • Colombia
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          • Montenegro

          Best For:

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          BROWSE ALL COUNTRIES

          Budgets

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          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

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