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Home Retirement/Living

Your Roadmap To A Richer, Better Life Overseas

by Victoria Harmer
Jan 06, 2026
in Retirement/Living
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Stunning panoramic view from the coastal road on the Makarska Riviera, Dalmatia, Croatia.The Adriatic highway winding along the dramatic mountain coast, a scenic road trip destination in Croatia

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Close to 200 countries make up the 57-and-a-half million square miles of land on planet earth—of which some 25 million square miles is habitable…

Upon that land lie millions of cities, towns, and villages which are home to billions of people…

So far, so overwhelming… especially when you’re trying to pinpoint one perfect spot for retirement.

That’s where we come in…

Here at Live And Invest Overseas, we know, better than anyone, that the world is packed with incredible destinations that can not only cut your cost of living but also hand you a lifestyle upgrade into the bargain.

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We also know that, in some ways, that’s the problem. As problems go it might be the best kind to have, but there’s no escaping the fact that an entire world of choices can be an overwhelming prospect.

That’s why we don’t just point to a bunch of countries and say, ‘go there’… Instead, we narrow down, with pinpoint accuracy, specific in-country locales waiting to welcome newcomers. Places where crime is as close to non-existent as can be. Where you don’t need to learn a new language if you don’t wish to.

Where the health care is top-notch, the streets are walkable, the Wi-Fi is fast, and the living is easy. And even still, when it comes to places that fit that criteria, your options are vast.

So, each year, we drill down further still to produce a shortlist of destinations that stand out as your very best starting point when looking for a place to call home overseas in the 12 months ahead.

That list is our annual Overseas Retirement Index—the culmination of months of meetings, interviews, data gathering and number crunching, and cumulative years of scouting trips and lived expat experience.

Our Index stands apart not only for its precision in honing in on specific communities where you can best enjoy a fresh start overseas but also because of the expertise of the team behind it… Folks that have already taken the leap into a new life overseas and know how best to smooth the path for you.

Heading up the team are Live And Invest Overseas Founders Kathleen Peddicord and Lief Simon. Experts in their field, Kathleen and Lief don’t just talk the talk when it comes to expat life, they truly walk the walk.

Together, they have traveled to more than 75 countries, invested in real estate in 24, established businesses in seven, renovated historic properties in six, and educated their children in four.

Today, they divide their time between Paris and Panama. Over the decades they’ve spent living and investing overseas they’ve built up an extensive network of expat experts the world over.

That team, of which I’m proud to be a part, have traveled to, lived in, and invested in, the places we recommend.

We know them. We know the communities, the neighborhoods, the people.

Plus, we know the price of a beer and the best bar to get it in…

And we know that each place we recommend has the potential to be the ideal spot for someone seeking a richer, better life overseas.

This year, we’ve narrowed down your options to a stellar shortlist of 12 overseas havens.

Whether you’re looking for a sun-soaked beach resort, a cool-weather mountain town escape, a lively city, or a rural idyll, you’re sure to find the right spot for you among this year’s picks.

For a sneak peek at the list, join me this Thursday for a very special webinar with LIOS Founding Publishers Kathleen Peddicord and Lief Simon, Senior Europe Editor Kat Kalashian, and Senior Latin America Correspondent Lee Harrison.

As an Overseas Opportunity Letter reader this event is free for you to attend. Simply sign up here.

Sincerely,

Victoria Harmer Signature

Victoria Harmer
Editor, Overseas Opportunity Letter

Victoria Harmer

Victoria Harmer

Victoria’s first stint living overseas was when she found herself studying English Literature at a 200-year-old university in the heart of rural Wales. From there, her desire to discover and explore pastures new grew, and in the intervening years have led her to Thailand, Australia, Panama, Portugal, Germany, Bali, and beyond. In her spare time, she enjoys kayaking, dragon boating, and long walks and good conversation with her boxer dog, Bella.

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