Top 5 Places to Retire in Europe
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- Опубліковано 30 чер 2024
- Where should you move to in Europe? Kalie from ExpatsEverywhere sits down with Andrew Henderson from Nomad Capitalist about his top five places in Europe to retire to. Have you thought about the places on his list?
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Josh and Kalie left the US for a life abroad in 2009 and haven't looked back. They have lived in Spain, South Korea, Saudi Arabia, Singapore, and are currently in Portugal. Yes, they realize they only moved to countries starting with the letter "S" until they spoiled that streak with their move to Portugal. Follow ExpatsEverywhere as we aim to get information to you through expat interviews, city breakdowns, expat life, travel, vlogs, and more.
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Chapters
00:00 - Intro
00:24 - Country 1
02:31 - Country 2
04:48 - Country 3
06:33 - Live Like a King
08:26 - Country 4
11:32 - Country 5
15:08 - Why didn't Portugal make the list?
16:59 - Where you can connect with others living in great retirement destinations
Great interview! 😊
Thank you, Seamus! Andrew was great!! - Josh & Kalie
Nice. One of the few UA-cam channels that keep it honest. The guy didn't sugarcoat Portugal and placed it #1 just because the channel is based in Portugal 👏
We appreciate that! Kalie had to ask and he answered honestly again. - Josh & Kalie
Really?!
I am baffled by his apparent disregard for the best tax treaty the US has with all of Europe. France and the US have a treaty which allows US pensions and capital gains to not be taxed in France. US retirees living in France only pay taxes to the US. If his list is based upon minimizing taxes during retirement, then France wins hands down. Its healthcare system is also rated number one in the world by the WHO. In other videos I have seen of his, he has talked negatively of the high tax burdens in France. He needs to read the tax treaty and get his facts straight.
I agree 👍, France is number 1 for US retirees! More affordable than you think, plus great Healthcare.
Yes, you are right about the US-France tax treaty for retiree income. Another reason I really don’t like this guy. His priorities and metrics are narrow and sometimes he just doesn’t get it right.
What about Germany? Curious what their tax treaties are …?
@@peterhernandez8852 To be fair, he’s really only interested in people who have sizable sums to invest, so he’s probably more concerned about taxes on passive income than he is on retirement (social security, pension) income and thus has not burdened himself with knowing how social security might be taxed in one country versus another. Again, he wants to tap into the wealth of high earners, us folks who live on more modest means are not even blips on his radar.
Thx Josh & Kalie, judging from some of the comments, 😮 I guess you can’t please everyone… but common viewers, it’s just another quality guest sharing his/her researched perspective. Every guest’s POV isn’t for everyone…so chill. Thank you Josh & Kalie for working hard for us follower so that we’re well informed to make the best decisions for ourselves! Keep up the great work! ❤
Thanks for the support, David. We appreciate that. We completely agree with your take. We won't be discouraged because we know there are followers like you that we're serving with our content. - Josh & Kalie
Awesome you included why Portugal didn't make the list 👍 I love the fact its not on top5, makes it more like #1 for me 😅
Hope he keeps it out forever so that his buddies stay well away!
Thanks! 😃 That's really funny. Andrew in other content has talked about reasons why to not go to the place where everyone is going and to also not be scared to be the first. If you like a place but not everyone is going there, still go! Check it out and see if it works for you. - Josh & Kalie
If money is an issue, most of these places don't make sense.
Ireland is €50k per person per year?!
The “don’t work too hard in Spain” really bothers me. We work hard indeed, it is more than we don’t stress out over the work place and try to have fun while working. I mean we try not to take it too seriously because we know we have to work but might as well “have fun” while at work. We have a saying “si no me rio, lloro” which means “If I Don’t Laugh; I’ll Cry”.
I hope this makes sense.
I think he was referring to retiring there. Spaniards do indeed work hard, long hours, which is why they need siestas!
Interesting video. We had planned on Lisbon for 4 years and rented an airbnb in September for 2 weeks in Avenidas Novas to get a feel for life there and fell in love. Our kids came from to UK and South Africa to meet us there. Then the NHR bubble burst and taxes made it unaffordable for us retiring from Florida in 2026. We have looked at Athens but the South of France has really caught our eye. They don't tax your US pensions and you can join the health system after 3 months of residency. Properties in our price range are definitely smaller in Nice and Marseilles but we still have two years left to retire.
Southern France is very interesting to us too. We were there 2 Christmas' ago and we had an awesome time. We had great weather the 2 weeks we were there traveling from Marseilles to Monaco. - Josh & Kalie
I’m very surprised to see this guest on your channel. He and his team do incredible in-depth research, but his motto is “go where you’re treated best”, and to him that means “where you pay the least in taxes”. To me that smacks of wanting all the benefits of life abroad, without feeling any obligation to support the lives or communities around you.
Some countries around the world function with much lower taxes than others. Also, Andrew well articulates the nuances of going where one is treated best. Not only that, he talks about playing by the rules of the places he goes. It seems that you like taxes and that’s fine for you but others don’t share that. Maybe they don’t believe in how their government collects or uses tax revenue. It seems like you’re placing your own personal values and perspective on Andrew and judging him and his team for that. Is that fair? - Josh
@@ExpatsEverywhere It rather seems to me like Andrew and his crowd represent everything that is wrong with the world today. His reasoning is morally bankrupt and it was sad to see your channel polluted by such a stink after 2 or 3 years watching you guys...
A lot of us watch him but may not hold the same values...I agree. I'm not sure- he does say it isn't about "not paying taxes" but what HE THINKS is good use of taxes. But I hear yah, I watch him for info without becoming like him per say. Cause yeh it's the taxes and public contributions that make some of these countries so attractive.
I think he covered a lot of reasons to live or not live in these countries besides just taxes. Taxes are important to understand and should be a part of the equation when deciding your budget for living in a country.
Most people want to.minimize their tax obligation. That doesn't mean they are not paying taxes. If you want to pay more in taxes, that's your right. You sound like a left wing democrat 😅😂
Great video.. You guys are on a roll with your content! Love Andrew, love his book, love his perspective and love you guys!
Thank you, Trevor. - Josh & Kalie
10:07 "you can rent SMALL appartments for 5000-6000 EUR a month".
Well, that's it! I'm packing my bags tonight.
:-) Hilarious comment. - Josh & Kalie
Amazing!! Well done for this one guys, great discussion 😁
Thanks so much! Good to see you here. - Josh & Kalie
Thank you, information is knowledge and knowledge empowers you! I love looking from all angles and y'all present good basic information that will help everyone dig deeper in their own reseach! Bravo! And thank you again 🩷
You’re welcome. Thank you for watching! It’s always good to dig deeper after a place peaks your interest. - Josh & Kalie
I quickly glanced at the thumbnail and clicked on Andrew Henderson… and was surprised to see Kalie! What a great collaboration! ❤
Yay! Thank you! We're happy to surprise you. - Josh & Kalie
I’m from Dublin, definitely not a good place to retire, the health systems is terrible medical prescription are expensive, at the moment city is covered in migrants in tents and now 1000 unvetted migrants living in tent villages destroyed villages elderly are scared & people are fed up
rent no chance in finding one, really expensive and city no a no go area due to violence, ireland changing and not in a good way
Congrats, Kalie. That was a much nicer side of Andrew than he often shows on his channel. He can go on some anti-government, anti-tax extreme runs sometimes. Interesting what he said about Ireland, though it seems to be (almost) impossible to acquire citizenship there. Plus, I think the Stamp 0 program requires one's accounts to be certified by an accountant every year -- which if someone who doesn't like bureaucracy would seem a pain. Man, after 18 months learning Portuguese I really relate to his statement on the impact of language. I'll check out his new series. Sounds interesting. I wish I was his demo (5-6k per month for a small apartment in Monaco).
Most obnoxious guest ever. He’s even worse than this? 😂
@@joaomramalho1If you found him obnoxious here, you would not enjoy his channel at all.
We wish were that demographic too! HAHA
Andrew in person is a really nice guy. We met him in Singapore years ago when we lived there to do a video and he's super sharp and nice. - Josh & Kalie
@@ExpatsEverywhere Glad to hear that because in the videos he seems to be quite arrogant.
@@anaramos2802 he doesn't come off that way with us.
Great things to think about. Portugal is still my #1. 😁
Thanks for the comment, Bud! - Josh & Kalie
Great interview. Kalie!
Thanks, Terri! - Josh & Kalie
I thought this was an Andrew video, then Kalie pops up 😊. It’s great to interview different different experts.
Glad you enjoyed it! And glad to surprise you. - Josh & Kalie
It is refreshing to see Andrew sit down as the interviewee on someone else's channel. His target audience at NC is the high net worth individual so his focus is normally on the needs and wants of those persons; I enjoyed hearing his take on purely retirement oriented folks.
Taxes are also among the highest concerns of people uprooting and retiring to a new country. My wife and I were all in on Portugal until the NHR was taken off the table. Our modest (by US standards) retirement income puts us in the top tax bracket in Portugal. We were willing to put up with the soul-crushing bureaucracy in PT, but not if we have to pay extra to endure it. I also realized that I don't have the patience to "just be Portuguese about it", to borrow a phrase from another PT-focused channel.
I'm a little surprised Andrew didn't mention Malta - much friendlier tax-wise for Americans drawing social security and/or government pensions, English speaking, booming economy, convenient air hub for the rest of Europe. It's not all concrete and asphalt. We're making our second trip this Autumn.
Health care in Montenegro would give me pause, but otherwise his list is defensible.
Thanks for sharing your thoughts, Mike! We're guessing had we asked him about Malta instead of Portugal, he'd like have said the same thing. It was probably just outside of his top 5.
You should get to know Andrew when the cameras are off, our guess is that most people would like him because at the end of the day, he's a real person. - Josh & Kalie
After reading all the comments I came to the conclusion that it was not such a great idea to invite Andrew to make this video. His opinions are controversial and mentioning Monaco as a good place to retire when you have to pay 5,000 or 6,000 for a small flat (and he didn't even mention the cost of living in such an expensive place) is bizarre, to say the least.
The content of your channel is usually more down-to-earth and helpful, thank God!
We've know Andrew for years now and we know that he serves a different niche and audience but his expertise and presentation skills are top so we stand by having him on our channel to share his take. We also found his list to have something for everyone. Not every country is going to fit every individual, which is great, because variety is the spice of life. If Andrew would like to come on again in the future, we'd be more than happy to have him on.
Thank you for your compliment of our work and approach. We are what we are. We're not trying to play a character. Andrew is what he is as well. He's a nice suit wearing, straight to the point guy. I'm a plain t-shirt, keep it simple guy, although I think suits are nice. :-) - Josh (& Kalie)
This is interesting for people in the 98%-0.01% wealth range, retired or not. This is not for the vast majority of people.
What do you mean, Alex? 2 of the 5 are hugely popular for broad affordability and one is low cost and considered the road less traveled. When he gave us his list, it seemed really balanced to us in terms of cost. - Josh & Kalie
@@ExpatsEverywhere You are right, 2 out of the 5 are places where normal people might retire, and I frankly don't understand why he had them on the list. This guy and his channels are for the rich, and he is the first person to tell you that.
Great points. Living like a queen/king to some means great affordable health, great community, familiarity with cultural traits (like language, as he mentioned), walking the streets and feeling safe, enjoying legit time-off from work. This may have absolutely nothing to do with paying less taxes. Keep great informative videos like that coming, guys!
Thanks, Veronica. That’s right, it does mean different things to different people. We’re looking forward to seeing where he chooses to go with the series. - Josh & Kalie
Andrew's list seems pretty arbitrary, especially considering it's for "retirees". His main criteria seem seem to be taxes, bureaucracy and convenience. Of those only convenience is probably a major consideration for *most* retirees. *Most* retirees top concerns are affordability, healthcare, quality of life and safety or security (including geopolitical safety). A number of those places would score very low one or more of those metrics.
Great comment. Thanks!
I lived in Cap D’Ail for 3 months which borders Monaco. Loved that area just a short walk to Monaco. Groceries in Monaco by law are same prices in all of France! Train access is excellent and Nice airport is close by. And I stayed right on the Sea…like a stone’s throw!
I finally got to visit Nice and other parts of Cote d'Azur last month and it was amazing esp in terms of transportation as you mentioned. Aside from groceries, how is the cost of living in other categories esp rent, etc. I would love to stay there for at least a month or so next time
@@tallto monaco is expensive rent wise but you can get something reasonably in the area or in Nice.
@@coachab100 thanks for your reply!
Thanks for sharing! How often would you go into Monaco? - Josh & Kalie
@@ExpatsEverywhere every day that I was in town! I traveled all over but my home was in cap D’Ail! My gym was in Monaco and the big grocery store was there. The path along the ocean between Monaco and Cap D’Ail was breathtaking.
all this guy cares for is taxes. Who cares if you save a bit more money on taxes when the lifestyle sucks? And nobody ever discusses how good any of these places are to RAISE CHILDREN. Nothing else matters more to me at this stage of life
They did point out that the video was meant for retirees. For most of us that are still working, it doesn't really apply to us yet. Well, that and Nomad Capitalist really just caters to the upper-class.
I'm still in my working years and still very much care about taxes. This video is catered to retirees, I think people conflate expatriate/digital nomad life with retirement and its not the same. Either way, I agree lifestyle is important but who wants all of our income eaten by taxes?!
Typically retirees children are grown so that’s not the place for this video.
The other issue with “a good place to raise children” is that it’s a very subjective thing and not one that’s easily measured meaning the research is particularly hard and the video would be much more anecdotal. If you go to Nomad Capitalist R&D UA-cam channel, you’ll find some videos about raising kids or schooling options and such but you’ll likely notice the video views are low. It’s because hardly anyone clicks on that stuff. It’s really hard and discouraging to make a video that “nobody” watches. It’s highly likely that people are making that video but you’re not find it. Go to your favorite creators and search their channels specifically. 🔍
Next week, we have a video with a mom of 3 that talks about raising her kids in Portugal and how she’s found schooling here but we’re not going to title the video like that because it’s not the bulk of the video and again if we do, nobody will click on it. - Josh
@@ExpatsEverywhere interesting. I guess that goes to show that people with children are not interested in relocating. Makes you wonder why?
Plenty of people move abroad with children. After working in international schools before becoming full-time content creators, we saw many families model it before our eyes. Maybe those families just aren't using UA-cam as much for that kind of information. Seriously though, some of our worst videos in terms of views have been about raising a family abroad. It just narrows the audience so much and then UA-cam shrinks the distribution. - Josh
I’m not too sure I’d put Greece in the top 5, but maybe I was just unlucky or the place has gotten significantly better since I was there last… 🤷♂️ Other than that, his list sort of makes sense if you’re one of the selected few that are able to afford living in Monaco… 😉
Meaning it makes no sense for the 99% lol
True, Paulo. I'm not sure the Greece he's really talking about is Athens, which is what most people think of first when they think Greece. Right? Monaco would be nice. :-) - Josh & Kalie
@@ExpatsEverywhere , absolutely! I loved Monaco, especially in the offseason, but greater Athens was… less than congenial, let’s put it like that! 😅
He did mention Crete, we were just there a couple or weeks ago. The people were great and the food was awesome! We are going back.
Great discussion! I Love Nomad Capitolist! I am glad that he was honest about Portugal. Portugal is a great tax friendly digital nomad like me, but not for retirees. My PT CPA said after March 2021 NHR will tax pensions and social security 10%.
Thank you, Sue. Good to see you in the comment section. Yes, that's right. Soon after we moved to Portugal, the NHR program made it's first change, which saw pension and SS income tax rise to 10% from 0%. - Josh & Kalie
Notwithstanding Andrew Henderson's general opinion's about his top 5 places for retirees , do your research! Kalie you should have challenged him on VAT rates in Greece (The standard VAT rate in Greece is 24%, and certain goods and services are eligible for a reduced VAT rate of 13% and 6%. - Global VAT Compliance site).
Here’s why we don’t bother talking VAT rate in Europe… www.eurofiscalis.com/en/vat-rates-in-ue/
If you want low standard VAT, head to Singapore. - Josh & Kalie
It's great you guys talked to each other. I currently live the Nomad Capitalist lifestyle with my family and follow you both closely... Currently live in Serbia, Hungary and Mexico :) We might replace Mexico with Argentina.
Nice to hear from you, Chris. We've know Andrew for several years now. We met up with him back when we lived in Singapore and we've stayed in touch ever since. Argentina seems to be turning things around as far as interest from foreigners is concerned. - Josh & Kalie
Any specific reason why potentially replacing Mexico with Argentina?
@@jeffreyhall8514 after spending 2 years in mexico we like it but don't love it. Safety is an issue for us. The disparity between rich and poor is an issue, and the infrastructure isn't that good either relative to what you can get elsewhere. This is just our opinion and other people have different opinions. Argentina is rapidly heading in the right direction from a libertarian perspective. The crime is much lower and more diversity in landscapes and easier ability to attain citizenship, although not much easier than Mexico. Overall infrastructure is better in Argentina. Again this is just how we feel about it and others may see these things as not big issues of Mexico. We would more than likely choose Mendoza as a place to live over Buenos Aires just for the reason we dont like Mega cities.
Good idea to bring him on - it does help to know his perspective before you watch, but he did try to target the retiree lifestyle (I'm sure he wouldn't touch Spain with a bargepole normally) - and I'm sure Monaco is great if you have a few million to retire on! Broadening your perspective is always a good thing - whether or not you agree with his point of view, reject it from a position of knowledge, not ignorance. Just like his position on Portugal - if you care about more than taxes and minimal bureaucracy, then you might rank it higher (we do). One difference to note is that his clients are capable of moving around in retirement, to possibly follow tax regime changes, whereas most of us are not or don't want to, but that means we need to live with the changes that come up. Tax changes are only an election away...
Hi there, as an international tax expert (and a CPA), I could not disagree more with these retirrment ideas. I hate to say this, but this advice is “so 10 years ago”. I have 4 homes around the world (2 in Porto), and tax mitigation is always a concern. However, I never advise people to invest in some of his recommendations because of political and social instability. People with wealth do not invest in those counties (except for one he cited). Look forward to meeting you at the next expat get together. ❤
Another good vid . I’m looking at 3 countries currently toy to move to with the bare minimum pension , I just need out of the Uk. We’re looking at Portugal, Belize or St Lucia
Thank you. 🙏 Nice. Which one are you leaning towards? - Josh & Kalie
@@ExpatsEverywhere it’ll be portugal just due to loving the people and food and the short flight back to the Uk for emergencies. But language is the issue , Belize is in the picture due to language and loving the Caribbean , St Lucia. … well it’s stunning and low cost of living. , just healthcare is an issue there
Nice! Keep us posted. - Josh & Kalie
Hurricane Alley or Portugal....not a hard choice lol.
@@mikeabbott8521 pros and cons for both , language is a major one and cost of living . Hurricanes are few and far between but it’s quite a distance from the Uk .
I was waiting for Kalie to ask about Portugal. 😅 Montenegro is intriguing. Ireland not so much if personal freedom is a priority as they, like Scotland, have introduced a draconian "hate crime" law which obliterates free speech, a cornerstone of democracy. Nice interview all around! 👍
Wife n' I have looked at Montenegro for some time. It's definitely intriguing, but is still rough around the edges. It's still getting its infrastructure updated (pre-req for EU accession).
Thanks, Tom. I’m really glad that Kalie did this one. She was really sharp with tracking what Andrew was saying and asking good follow up questions. - Josh (& Kalie)
@@ExpatsEverywhere Agreed, excellent follow-up questions! Part 2: 6 through 10? 😊
Wow, I guess Andrew does care about more than just taxes 😂 (or at least his clients do)
Like what? lol He also likes living like a king in poor countries where ‘streets that look like London’ are surrounded by a hundred miles of precarious housing and violence? Ugh. Insufferable. 😂
You wouldn't think so based on some of the comments though. 😅 - Josh & Kalie
@@joaomramalho1 blah blah get a life
Used to follow this guy YT channel. The only thing I can say about him is that he is full of cr..p. Every time he talks about a country that I'm familiar with, it is very easy to realize how little he knows about it. I give him credit for how good is he to sell smoke...
Exactly!!
Expats everywhere collaborating with nomad capitalist is golden.
Or vaguely icky. It’s all a matter of perspective I guess.
Thank you. It’s the second time we’ve done so. When we lived in Singapore, his team reach out to us to do a video. We were very small back then, maybe 5,000 subscribers and they were 50,000 or so. It’s probably been 5-6 years ago now! - Josh
Ireland 🇮🇪 😅
Are you trying to get out of Ireland? - Josh & Kalie
Portugal is a total disaster. Even for those with NHR it is not clear in which category fall a specific income and therefore if the exemption applies. This happens in particular with dividends.
What part of where you earn your income confuses you?
Total disaster or just a partial disaster when it comes to things like tax planning and immigration bureaucracy? - Josh & Kalie
@@ExpatsEverywhere total disaster in terms of taxation. They have no clear rules on when the NHR can be applied and when not. There is a massive grey area. And the so called "tax experts" only try to sell you solutions that are good for their pockets.
Romania > Montenegro.
Could well be! - Josh & Kalie
I quit watching Nomad Capitalist because not only is he obsessed with taxes but his information is not always correct! For example there is no inheritance tax in Andalucía Spain. He didn't know that. Also his channel is just a tool for him to get millionaire clients. He's got no real grasp about how to advise regular people with incomes of only $2,000 to $4,000 a month. He's always putting down Spain but it's a fantastic country to live with a modest income.
Hi Marrlena, thanks for the comment. Let's be honest though, he did put Spain in his top 5 out of over 40 countries (50?) he could have chosen from. - Josh & Kalie
Thanks for the reply!
I'm surprised he's finally acknowledged Spain as a destination. His previous videos usually denigrated Spain.
@@ExpatsEverywhere However he's still projecting a false negative image of Spain as a slow lazy country which is absolutely false. I live in the Andalucían mountains of Spain and the people work very hard. I did renovations on my house and the people who worked on it were very responsive. They also don't gouge or take advantage. My costs have been ridiculously low and I even add 20% at times because I don't think they charge enough! The quality has also been top notch. Maybe it's different in the big cities but inland Spain is not necessarily slow. The lifestyle is relaxed or fast paced, whatever you like. Fresh produce is excellent and abundant. Wines are amazing. Property tax is tiny. So is cost of insurance. Healthcare is great, no waiting and very cheap. Dentistry is amazing.
What a ridiculous interview. Top place is Ireland UNLESS you like money. And Spain is great if you’re low class. This dude is a grifter- shame on you guys for highlighting this nonsense.
This video is total garbage.
Thinking that it is a bargain to rent a small apartment for 5 or 6 thousand euros a month in Monaco tells me all I need to know how out of touch and elitist this video is and how deceptive and unhelpful this UA-cam channel has become.
Two thumbs down!
I don’t think EE are deceptive or unhelpful, just the opposite. I find their usual videos very enjoyable, if sometimes a little cringe-inducing (personally I don’t care for comparing countries as if they were Coke and Pepsi on an American grocery shelf, and the verb “to expat” needs to go somewhere far, far away from my ears). The Nomad Capitalist is not my cup of tea, but he knows his stuff. It’s just that his stuff is exploiting poor countries via geo-arbitrage, which is rather distasteful, especially when paired with a basic anti-tax attitude.
NC appeals to people of all income levels and he incorporates his own experiences with tax education so I can understand why he included Monaco.
Wild comment, Mike. Andrew literally covered a broad range of potential retirement destinations for all kinds of retirees. Did you happen to skip to Monaco and get straight into the comment section or are there other videos that we’ve done that have wound you up because I’ll be honest, this is the first time I’m reading your screen name. - Josh
Shiny things, you’ve gotta stop watch our stuff then if it’s how you feel about us. - Josh
@@ExpatsEverywhere I do wish he included Italy , maybe ask him on again about the next five countries!