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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.

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    • 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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      • 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

        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.

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          • Discover tips and strategies used by global property investing veterans

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          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

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          overseas living letter offers affordable retirement guidance
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          Home Retirement/Living

          Where Are The Cheapest Places In The World

          Where And How To Retire Rich

          by Paul Terhorst
          Apr 09, 2021
          in Retirement/Living
          0 0
          Kota Kinabalu, Malaysia

          Alamy/ARV

          You’re living rich. Congratulations.

          In the past, being rich meant spending a lot of money. But then came low-cost jet travel, ATMs, satellite TV, computers, Skype, and iPads. Millions of expats suddenly were able to move to places where they could live better and have more fun, sometimes way more fun, with the money they already had.

          In some countries you can live rich just on your Social Security benefits.

          I figure we need an up-to-date definition of rich, and here it is:

          If you live well within your means, you’re rich. If you spend more than you have, no matter how much you have, you’re poor.

          Note that living rich has to do with how you spend money, rather than how much money you have. To live well within your means implies adaptability, the ability to change or modify the what, where, and how of your lifestyle.

          Your ability to adapt might allow you to do something you never had thought possible.

          Living Rich In Paris

          River Seine and Eiffel Tower in Paris, France.
          Alamy/Givaga

          In the late 1990s, someone wrote to us and explained how we could live in Paris for little money. Wow! We had always thought Paris would be way too expensive. Six months later we flew to Paris and settled into a cozy, furnished, fifth-story walk-up in Montmartre that cost us around US$600 a month.

          Later Montmartre became trendy. But, when we lived there, Montmartre seemed little changed from when Van Gogh and Picasso painted there. We lived full-out in Paris for one-and-a-half years. Later we continued with shorter stays, balancing the ever-increasing cost of living in Paris with longer stints in cheaper Thailand.

          We had to adapt. Our building had no elevator, and those five flights of stairs tired us out. We had to wash clothes at a laundromat. We learned to live with a bathroom so small that the entire bathroom was the shower stall. We had a closet-sized kitchen with only a small fridge, hotplate, and toaster. We had no TV and dial-up Internet. Yet we barely noticed what we lacked. Instead, as we saw it, we lived rich, overjoyed with the window of opportunity that allowed us to live in the City of Light.

          Living Rich In Argentina

          A view of the majestic vineyards and mountains famous to Argentina.Some time later, Vicki and I had a house in Argentina. At the time, the dollar cost of living in Argentina was doubling every three years or so. So we adapted. We took fewer taxis and ate out less.

          And we began spending more time elsewhere—in Thailand, China, and other lower cost countries.

          How You Can Live Rich

          I figure that, if you’re reading this, you are already, or you soon will be, living rich simply because you have a passport. A passport enables you to live and travel abroad, thus giving you numerous options and opportunities to live rich.

          You’re among the few. Only some 40% of Americans have passports, and most of them use their passports to go only to Canada or Mexico.

          So you have a passport. This means you can take advantage of the flexibility that comes with it. Can’t afford an extended stay in Seattle? Try Nha Trang, Vietnam. Can’t afford to be a snowbird in Miami? Try Hua Hin, Thailand. Can’t afford the eternal springtime of San Diego? Try Chapala, Mexico.

          To live rich you simply move to where your most important needs can be met at a cost you can afford. And you expand your comfort zone.

          Coming Out Of Your Comfort Zone

          Vicki and I have French friends who never travel overseas. They suppose that if they travel they might find themselves among people who don’t speak French. We have American friends who travel only to countries where English is spoken. Vicki and I have traveled all over the world, and I’d certainly agree that speaking the local language makes traveling easier, more comfortable.

          When we travel to countries where we don’t speak the language, we become more creative, courageous, and dynamic. We enjoy an intensity that comes only when we’re out of our comfort zones.

          We all have our comfort zones, and some people refuse to budge out of them. Recently we were told of young Canadians who visited expat relatives in Portugal. The guests from Canada arrived and installed themselves in the living room with TV, Wi-Fi, DVDs, and computers. They spent their entire two weeks in Portugal doing exactly what they’d have done if they’d stayed home, that is, they played DVDs and video games.

          Our French friends, American friends, and the young Canadian visitors have trouble getting out of their comfort zones. They lack the flexibility it takes to live overseas. This lack keeps them from living rich.

          You Have What It Takes

          You do have that flexibility, an adaptability that nurtures an ever-expanding comfort zone. You’ve traveled, you’ve lived overseas, or at least you’re thinking about it. You have a sense of adventure.

          You realize there’s more to life than DVDs. If you meet someone who speaks a different language, you learn tricks to get around the problem. You’d be amazed at how much can be accomplished with just a calculator. And a genuine smile.

          Go back to my definition. If you live well within your means, you’re living rich. In most cases, by retirement age, our means have been set up. Often, our means are fixed and may look like too little for a comfortable lifestyle.

          Yet, we can do a very great deal about living well within those means. We can move from high-cost countries to low-cost ones. If we’re already in a low-cost country we can move from a high-cost rental to a lower-cost rental.

          Adaptability enables us to live rich, especially when we stay focused on the overall picture, focused on what matters most to us.

          You’re living rich, in the sense that you have so much more flexibility than the other guy. If need be, you can move to a cheaper country, get health care abroad, and live on less.

          Congratulations. Your adaptability might be even better than money. After all, money can go away. Adaptability stays with you as long as you can expand your comfort zone.

          Paul Terhorst
          Perpetual Traveler

          Tags: 'Retire Rich'expatslive overseaslive richmove overseasretire abroadretire overseas
          Share97Tweet61
          Paul Terhorst

          Paul Terhorst

          Paul Terhorst and his wife, Vicki, retired young and can now be found traveling the globe. These perpetual travelers have been everywhere from Chiang Mai, Thailand to Paris, France, and beyond. Paul regularly writes for the retirement and investing publications of Live and Invest Overseas.

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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
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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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                • Hours of coverage  from our latests conferences

                Lahardan Books

                • Titles on living and investing around the world

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