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Hey Kristin can you pretty please do a video for young couples or young singles in 20s-30s and how much they’d need to save to move abroad and get started? Thank you ☺️
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for..
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@BrianEscobar-90 The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?..
I’ve been considering Mexico. The weather’s great, and you can live well there on a modest income. Plus, it’s close enough that visiting family back home wouldn’t be too hard.
I’ve also heard good things about Portugal. It’s a bit more expensive than Mexico, but still much cheaper than the U.S., and the quality of life is supposed to be excellent.
You all have great ideas. My wife and I have been seriously considering retiring abroad, but it’s a big decision, and we want to make sure we’re financially secure wherever we go.
That’s why we’ve been working with Bruce Kevin Begley, our financial advisor. He’s helped us explore all the options and make sure we’re covered, no matter where we end up.
The minimum Philippines monthly budget should be 1500 usd not 400 to 500. Their are many foreigner homeless people holding signs up on the roads begging like in the US. Insurance cost is about 1800 a year. If your older, you need to live in 1 of 3 cities for good hospitals. Manila, Cebu, Angeles City. Having 200 a month home, expect no AC, no Refrigerator, no cooking utensils, no western amenities (bamboo bed with 4 inch mattress) The SRRV is about a 6 month process. The 13A marriage visa,,, if your wife decides your marriage is over, she can have your 13A revoked and you will get Deported. Tourist visa is $60 a month. If you don't buy a scooter, the cost is about $8.00 a day. Average short trike ride is $2 each way depending on the island you choose. Western food is expensive because of shipping cost. Keep all of the above information in mind before you sell everything and move here. Make sure you have about 30k minimum nest egg so you can pay for healthcare and airfare home. ....... you can not leave the hospital until you pay your bill. They have armed guards to ensure you pay your bill. Have a wonderful stay!!
I left the Philippines in 2016 and I need $1500 to live a decent life at that time. 400-500 will not cut it for sure these days. At least a foreigner don't want to live on that budget.
I am retiring early with 300k to thailand in 7 years at the age of 48.Thats a solid retirement income.I will only be there 4 to 6 months a year though.
Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement
that's right. Investing in stocks can be a key component of your retirement strategy, but it's essential to approach it wisely. A trusted financial advisor can guide you in making informed investment decisions, diversifying your portfolio, and maximizing returns. By partnering with a financial expert, you can confidently invest in stocks and build a secure financial foundation that supports your retirement goals and aspirations.
Absolutely! A key to success in stock investing is to avoid impulsive decisions based on fear, which can lead to premature selling. It's essential to recognize that stocks are long-term investments, not get-rich-quick schemes. seeking the expertise of a financial advisor is essential to help make informed decisions.
This is why I've entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to $780k, generating sufficient dividends for my household's needs.
jennifer alaine is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I live the same lifestyle here in the Philippines on Samal Island in Garden City as I do in the United States in Clearwater, Florida with my wife and four kids, two being in college. It's all about how you want to live your life. A single person can live very well on $1,500 to $2,000 dollars a month anywhere in the Philippines while a Family of five can live a comfortable upper middle class lifestyle on $2,000 to $2,500 dollars a month here. What it takes to live a comfortable life in the Philippines for this American. (Me) I refuse not too. 1) I refuse to rent, I'm not stressing about a house or rental payment every month. We own our own house that's paid for because of this specific reason. 2) I refuse to live without air-conditioning. Not only do we have a split air-conditioning unit ( central air ) But three window air-conditioning units as well for back up. I'm never going without air-conditioning. 3) I refuse to live without water to clean our house, take showers, do dishes, do laundry, water the plants, wash our scooters. We have Public water as well as a water tank and electric water pump. I'm never going to run out of water. 4) I refuse to run out of drinking water. We keep 50 gallons of drinking water on hand at all times. I'm never going to run out of drinking water. 5) I refuse to be sitting in our house in a brown out without lights, air-conditioning, and water. We have Public commercial power as well as a generator. The generator will run everything in our house when the power goes out. We have brown outs a few times a week. In most cases they last about 10 minutes but sometimes more so in the event the power is out for more than 30 minutes I will then turn the generator on. Sometime in the next year we will be putting up solar panels. 6) I refuse to run out of propane gas. We cook with propane gas. We keep two tanks so we don't have to wait around for a delivery to finish cooking a meal. I'm never running out of propane gas. 7) I refuse to not have transportation, when it rains we take tricycles to go anywhere we want. For now public transportation is always easy to get too. When we go to Davao city we get a taxi cab. We have two scooters mine and my wife's she prefers to ride with me but saying one breaks down we have a back up. We will be purchasing a van sometime in the near future. 8) I refuse to eat just Filipino food, We go to Davao city to shop for American food once a month, I eat 50% Filipino food and 50% American food during the month. I've said all this for one reason, If you're a person who is struggling to live in the United States trying to put food on your table and keep a roof over your head then you may want to explore the idea of relocating to the Philippines. 90% of The Philippine people speak English a big plus when moving to a new country.
@@singingwindrider9881 That maybe true but I won't find the stress free peaceful life I live on Samal Island in the United States. The day Joe Biden won the presidential election I bought my airline tickets the day he stepped into the white house I got on a plane to move to the Philippines and never looked back. I now live 10 months a year in the Philippines and 2 months a year in Clearwater Florida where I keep a home to live in while visiting family and friends.
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Yes, Albania is super affordable! I lived there for just over two years! Local and seasonal foods are abundant and very inexpensive, rents are also reasonable. The downsides as you say are some infrastructures as well as language and culture barriers. Americans can live there visa-free for 12 months which is amazing.
Did you experience or hear about tax requirement issues or tax situations for extended stays there such as more than 180 days even though the visa is 1 year?
The one year stay for Americans is not a visa. It is a visa-free stay, similar to the 90 days you may stay in many countries based on your passport alone. To my understanding there is no tax obligation unless you apply for residency … the financial infrastructure of Albania is still evolving but I believe taxes for residents come into effect after a certain income threshold.
@@karenespig Thanks, I understood it’s not a Visa through applying, it’s a stamp in the passport upon arrival. Tax situation is good to know to prevent surprises. Too many countries consider a person a tax resident in well under a year in the country. It is something to keep up to date on.
I'm not a stoner , however I do like cannabis of any kind. Is there any cannabis friendly retirement country. I primarily use for pain relief and writing. I keep to myself and I'm a 76 year old man. Single, no pets.
As always another gem of a video. If I can add to this, the Philippines is the ONLY country outside of the USA that has a VA Hospital. So this is a great place for US military disabled veterans who want to be seen by a VA health professional.
@@singingwindrider9881 to be fair, I have a lot of expat veterans that live in the Philippines and get their medical care through the VA for their disabilities. In regards to care outside of the VA, I believe the Philippine health system is actually pretty affordable. But just wanted to point that out since the VA in the Philippines is the only VA hospital outside of the United States.
Remember in Argentina that unless it is an emergency bringing you to the emergency room you cannot walk into a clinic you must do a reservation online and if they don't understand you they will hang up on you.
Your description of how cold Malta was in the winter made me laugh because I definitely experienced the “colder inside than outside” during the six years I lived in Morocco. I purchased two hot water bottles to get me through the winter, and when I was working at my desk, I’d put one at my feet and wrap the other in a towel and hold it on my lap. What a game changer. 😂
LIKE a lot of Europe with it's old poorly insulated apartments and houses. Portugal is famous for it's ice box houses esp in the north Have been to Malta in the summer, didn't know it got that cold there ?
Malta is an interesting choice, it IS an EU country. Valletta is my favorite city in the world, but it's VERY expensive to live there. Any time somebody says "Mediterranean climate" you should think "cold and DAMP" in the winter. Also, you showed the Azure Window in your graphics, which fell into the ocean a few years ago. Gozo is a bit cheaper, rent-wise, and Victoria is really nice. Plus it has the Citadel. Note: there is NO Ikea in Malta. One of my friends skipped it for that. IF you're going to Peru, stick to Miraflores or Barranco (both suburbs of Lima) which are great for expats. Peruvians are nice, and everything is pretty sensibly priced. Take the bus from the airport, they'll take care of you and the counter clerks speak English!
Hi Kevin, glad you like Malta! It’s definitely cold and damp in the winter, as I conveyed from experience. The rent is very affordable outside of St. Julians and Sliema, however. The Azure Window was there during my trip (before it collapsed) so that why I included the clip. I try to use my own footage in my videos as much as possible. And it’s still a symbol of Gozo in my opinion 😉 Thanks for the Peru tips! I stayed in Miraflores as well.
I enjoyed this Social Security-based recommendation video, including the more affordable countries since my S.S. is minimal. I had not considered Uruguay prior to watching so I thank you for that. I love the informational chart at the end of each country, it is so helpful. I appreciate all of the time it takes to compile the data, thanks so much!
Peru is the most affortable in her list. I live in Lima , a district with mild climate all year around. ocean view 10 block away. Magdalena del Mar. A full coarse meal $ 3.5 or 12 soles.
Older people don't realize that if they have a major health crisis, such a heart attack, the chances of surviving in a third world healthcare is almost impossible. My brother had a heart attack in Mexico and the private hospital provided shoddy care, which resulted in my brother's death. The were still trying to charge over 20 thousand dollars, otherwise they would not release the body until we got SEMEFO (coroner's) office involved.
Sorry for your loss. There are a few “third world” countries with better healthcare than some first world countries though. Although considering these countries have high HDI of above 0.8 (Malaysia, Thailand, etc), third world isn’t a great descriptor for them.
Wow first time I hear about PERU for retirement. I know it quite well as I had a Peruvian Girlfriend which showed me around. You can even get a complete nice dinner or Lunch for 1$ if it is still the same as 10 years ago.
Used to think that Costa Rica or Panama would be great places to move to but then I found out that parts of rural Ohio and Indiana are slightly more expensive for me to live in than both places.( mostly because you need to own & maintain a car) I view the Christian religion as extremely important in my life which rules out the Thialand & Albania type countries ( although I really like the videos on Albanian travel) Top places to move if I ever decide to move out of the USA are becoming Philipeans, Uraguay, or Paraguay for visiting purhaps Argentina and Croatia or Romania as top picks for a vacation.
As a man living on social security alone, a heartfelt thank you Kristin for this informative and inspiring video. Besides Facebook, what forums are available to make contact with fellow expats? Any help would be greatly welcomed. Let’s hope these gems don’t become Californicated and thus unaffordable to locals and tourists alike.
Still too chicken to go 10thousand miles away.😮 Most important...as a senior with chronic health issues...no country is an option...maybe Mexico with quick access to American hospitals...just the way it is. Who expected 🇺🇸 to become such an expensive junk bond country.
Hi Carol, Mexico is a popular option for medical tourism where you can remain close geographically to the USA. I covered Mexico in this video for you: ua-cam.com/video/v9iuFuN7_J0/v-deo.htmlsi=9jPVr7UDs2GhbL_H
@TravelingwithKristin Thanks, Kristin. I did watch that video. It was excellent...and for retirees, mandatory. Noone thinks pain and problems til you have them...and seldom do people plan their futures considering it. Enjoy the summer!
Your videos are quite informative. Though no country is perfect, livability factor depend on personal preferences and choices. So it's difficult to pinpoint a particular country which's perfect for everyone.! Watching videos like yours help people to decide things based on their choices. Kudos to you for your efforts. And..you're looking so gorgeous as always.😊
I was surprised that Malta was on the list! I will have to give it another look. I am watching from Paraguay and agree with everything that was said about this place. I also loved the section about Albania. That has been one of my favorite places that I have visited thus far. I always enjoy your videos!
Hi Kristin. Really enjoy your channel. Are there issues with Vietnam? I thought it may come in at #1. Other than the language barrier, it seems almost perfect. Thanks
Vietnam doesn’t have a retirement visa, so you’d have to leave the country every 3 months for a visa run, unless you have a work visa, marriage visa, etc.
We my wife and I live in the first Capitol of Guatemala Cost per month apartment including all utilities and private garage $180..a month! All your needs are very inexpensive! Nationalized hospital are FREE! and the doctors studying from around the world! Climate is like the Indian summer of new england! Between my wife and myself we have traced to 120 countries
Your costs on the Philippines is Way off! $300 to $600 per month and you will be living in poverty conditions. A single person needs $1500 to $2000 a month to live ok but not extravagant. Try living in the Philippines on $500 a month total and you will not do well.
Hi Kristin! From the USA and I’m a huge fan of yours and have been following for ages! I’m always impressed by your hard work and quality content:) I have a video request:) My husband and are retired and have the option to live in several countries conservatively but comfortably. But my kids (about your age) are also thinking of moving abroad. What are your pics for countries you would suggest for retirees and a young family to have a decent future? Education, healthcare, safety, taxes etc. I have a feeling wherever we pick our kids may follow, so would be great to have a few suggestions! Thank you! Keep up the outstanding work!
Thanks for sharing this! Your chart says a retirement visa in Argentina is renewable for 5 years and that seems odd for a retirement visa, esp. one with a higher financial requirement. Could you clarify? Also, Uruguay chart says the visa is 1yr but renewable after 3. How can that work? Thank you very much for the handy charts and for speaking up as a woman traveling sola - we don't have many resources for that!
Great and inspiring video! I will never retire and US will be my tax residency forever since most of my income comes from Nasdaq, even though I spend more time elsewhere :) Are you into sailing? Would be fun to see a comparison of dockage fees for ~ 40ft sailboat of these inexpensive locations 😂
Have now lived in Colombia for the past 3-1/2 years solely on Social Security so it's definitely doable, but like the others covered here, it definitely has its challenges. Curious though why it didn't make this particular list?
We are curious, when looking at Latin America, what countries have the best free healthcare ? (So far we have lived in 3 Central American countries) The private health insurance issues we have run into are that they don’t cover the big stuff like heart surgery, cancer, etc….or they are very expensive, and/or they continue to increase in price as you age, or maybe even drop you at a certain age. At this point we are healthy and just pay out of pocket, but we aren’t getting any younger. We may end up retired in Guatemala, Colombia, Peru, or Argentina…not sure. So any idea who has the best free public healthcare in Latin America ?…or how these countries rank ? Thx !!!
I live in Peru and use private medical services. Cheap and very good quality. If we have good heath Peru is good. For example a full dental service could cost 100 to 200 usd
Kristen? Maybe I missed this but for the Philippines, where would you recommend for seniors near a nice clean beach and lots of trees? Thank you so much!
Hi Michele! I haven’t done a video yet about places to live in the Philippines as I’ve only been to Makati and Manila areas, so I can’t speak from experience there.
Apologies for interrupting, just one of the brief recommendations about your query, try visiting Dumaguete city in Negros Oriental or Panglao island in Bohol, those are nice places for seniors with a nearby beach areas and a pure of nature to drop by✌✌✌
Have you heard of "Startup Chile," offered by the Chilean Government? They will pay entrepreneurs $40K each to relocate their businesses there. I saw this in other UA-cam Videos.
Being affordable puts the country in the list for "best country" to live in. If I can't afford to live there, then it isn't a good country to live in (why leave the U.S. if money is not an issue?). Re: Albania - for better healthcare, where is a nearby country that has 1) better healthcare 2) that is still affordable / where healthcare insurance is affordable? How would you rate Malaysia; Croatia; Bosnia/Herz; and Montenegro? General question: is there a country that people (outside that country) can buy affordable healthcare insurance that also provides excellent quality healthcare, so when needed those people can travel to that country for medical services?
You got Uruguay wrong for sure. It’s not cheap to live there. I have Uruguayans friend that decided to retire in Medellin, Colombia instead. Way better in every aspect!
The Philipines is probably my destination. Just heard a grown woman was swallowed by a reticulated python in Indonesian. I'll pass but may visit Bali for a week.
Needing current 2024 info please. Wanting to vacation in Europe for a month or so, I have never been there. Looking for a central, safe area to rent to use as a home base and visit other countries. Which countries are the most financially responsible, safe and centrally located? I’m thinking about Romania and Albania… ideas and approx rent for a nice but not extravagant place??? Thanks
I'm an English speaker - only ! -- All those countries with a language barrier are a source of frustration and aggravation - & are 'not needed' by an old retired person like myself - looking for comfortable and cheap ?!? --- Add nice weather a safe environment and friendly locals to my desired criteria and the Philippines just jumps out at me ! (?) Having many like minded expats are a bonus. > There really appears to be many "happy campers" retired there or wanting to be ?
Be careful moving abroad if you’re older . You need to not only check out the cheap cost of living but you need to check out the medical system . Hospitals , medical care .
I'm in India, then it's Nepal, Thailand, Cambodia, Vietnam, Malaysia, Indonesia and then the Philippines. Hopefully, I'll be rich by that time, and I can reassess my options. Haha😂
The thing is most other countries do not allow foreigners to buy/own property. So, you will be renting. 😐 And when you get right down to it, you really CAN'T live "cheaper" than the USA (you don't HAVE to live in a big city, you know?). LOTS of places here are very affordable! And unlike other countries, you really can live on $500/mo or less (provided you own, not rent, the property). Then, very easily save your $$ and go traveling! AND there are also plenty of (nice, lovely, kind, Christian) single women looking for a husband here too. Just real tired of ppl casting shade, leading others astray.
Hi Kristin, I signed up on this channel for the Costa Rica trip in August . ( I did sign up late ) but I never got a reply .Also reached out via the links , no response received .
Kristin, which country did you choose? Are you living outside the U.S.? I've got to make a decision in the next 12 months so your videos have been helpful. My dream was Portugal but changes in the laws there have now made that unaffordable for me. I'm looking at Puglia in Italy or a couple of locations in Mexico. I have to say, I think Mexico is growing so fast now that the exchange rate is going to tighten the gap between the dollar and peso so it won't be as advantageous for Americans much longer. I don't want to live in cold climate so some of the cheaper countries are off the table for me.
Cuenca , Vilcabamba and Loja are safe , but coast is not. In case of Peru all the country is safe, ranks 6 homicide per 100k during 2023 , while Ecuador 44.
Probably it is difficult for US-citizens to come and live in Sweden, but hubby and I are living a simple quality life in the South of Sweden as retired. We live in a studio on the ground floor in a tiny, peaceful village, with shop (including post and pharmacy service), bank, kindergarten, restaurants, school, soccerfield, church, and bus to the nearby municipality's central village, where there is "everything", inlcuding railwaystation, and a few doctors with many forms of service (cheap). As far I understand it wouldn't be cheaper for us to live in Peru. I'm sure US-couples could live as nicely as we do, if they moved within USA, if they just arranged things together with others. In Sweden we have nature in abundance, to walk, cycle, swim, canoe, sail, camp, whatever; it is quiet, safe, cosy. We enjoy four seasons and a clean and varied scenery. Personally we have a plan for electricity from wind (cheap) and an low-tariff internet connection through some broadband, more than enough for two. We rent our apartment for a very low cost per person, it is convenient but a bit old-fashioned. Our groceries are on the expensive side because we almost only buy organic and fair-trade produce, which are priced 30-50 % higher. We have an EV and a small dog. I highly recommend youtuber Prepper Princess if you want to learn about living a quality life at a low cost and save a lot. Four seasons in Sweden imply we have snow in winter, mosquitoes in summer, rain mainly in fall and spring, and also many rain-showers during the summer, so normally we have a very lush landscape and abundant water. We don't have vulcanoes, earth-quakes, major power-outings, and our tap-water is drinkable as it is. Apart from some notorious limited places, Swedes are very honest and law-abiding, and don't mind paying taxes for all the good things that are provided with tax-money, so the country is very safe, with high degree of trust for police and government, so we expect very low-crime, with strict gun-laws. Safety is partly thanks to limited alcohol-access. Everything is very orderly and neat, so we hardly need ever to see gated parts of our cities. Neither do we have wide-spread sleeping in streets or in rough. The country-side is free to roam, which comes with the duty to be considerate of wild-life and property. These things are typical for the quality of life, that Swedes have arranged for themselves through grass-roots organizing, and endless discussions and confrontations in the parliament and municipalities. The people have kept the rampant capitalist tendencies at bay, at least so far, but the bonuses are not given for free from above, the Swedish model has to be defended continously - think Bernie Sanders and Kathy Porter, then you'll know what has been needed and is needed. All in all Sweden, without corruption, cockroaches, poverty, and hot weather, is better than all the places you've suggested to take advantage of, I'm very pleased to say. Thanks for investigating and reporting, though.
I live in Peru. Regarding that beautiful home for US$350/month it is a very common practice to "accidentally" quote the price in Soles but it's really US dollars to your shock. This advertisement claimed it was $350 but I doubt it. For a two bedroom, paying 6-12 months up front we were paying US$550/Month. The food in a greasy spoon restaurant may be $4 but a decent place will likely be $8-$20.
I am 38, so nowhere near retirement haha. HOWEVER this is the first time I realised I can collect my pension overseas when I retire. THIS IS INCREDIBLE NEWS!! 😃😃😃
I am very surprised about Malta. I currently live there and I have to tell you, it's absolutely not cheap. Prices for food and rent skyrocketed after the pandemic, which makes it even more expensive than some northern European countries. Malta is a place where prices don't really make sense in comparison to what the people earn there. It's also very small and touristy with many migrants from India, Bangladesh, and Latin America, making it lose its original culture. Due to the massive increase in population, the traffic is a horror and the streets are dirty. It can also get quite hot and wet in summer. Even though you have mild winter months, great restaurants, and cheap fresh seafood, I think many other places in Europe offer more for less.
For your information Latin American people don’t go to Malta to migrate.I’ve only seen tourists and students in Malta from any place in Latin America.i was a tourist there but I’ve seen zillions of people from North Africa Middle East and India living in there. Get your facts right lady
I have to give you a well deserved credit for covering the tax ramifications of these countries. Most, if not all of the other UA-camrs do not go there, but you have gone the extra mile which is what a newly retired guy like me needs to know. Thank you Kristin so, so much. Good Job!
Just make sure you confirm the PRESENT taxation laws and policies. They change on a fairly frequent basis. Thailand is a good example. Foreign income is now taxable regardless of when it is brought into the country. If you reside in Thailand for more than 180 days per year, your income is now potentially taxable at the difference in rates between your home country and Thailand's rate based on annual income.
Kirstin: there are a lot of good channels looking at this topic. I consider your channel the number one I trust. I am on the verge of doing exactly this. Many Thanks for your hard work and doing such a great job 🙏👍👍
@@TravelingwithKristin Winchester Tennessee area. Town of about 10,000. In 2019 I was renting a two-bedroom house fully renovated with a backyard and office in a garage for 450 a month. Prices have gone up but they're still considerably lower than a lot of cities in Tennessee. Actually my child support ended and my car got paid off so I basically downsize and moved in with a friend and live in the living room and sleep on the couch. He charged me $200 a month all bills.
@@andrewbrann6231Yeah most people don't want to live on a couch. I'd rather live in a culture rich area in a foreign country than the middle of nowhere in America (and still be poor).
Water! I'm surprised at how few people are discussing this. Even a quick search on UA-cam about the Mexican water shortage can be quite the eye opener. I won't drink Coke, Pepsi or Heineken 😬 In the next few weeks more people will understand if it doesn’t start to rain 🙏
Uruguay is not a safe nor a cheap place to live. And is especially dangerous for expats. Uruguayans are not very welcoming to foreigners and most leave within 2-5 years having had a very bad experience. Of course, it's always best to speak directly with expats who have lived in these countries to get an insider's view so there are no major disappointments.
This channel and other similar channels tend to exaggerate affordability quite significantly. It's how they get views - by selling false dreams. Either that or they don't do their research properly. I don't know much about Uruguay, but you're definitely not going to be living well in the Philippines for $500-600 a month, as this video claims. You'd need to double that at the very bare minimum.
@@ba8898 I've also lived in Indonesia for 9 years and there's no place to exist on $1,000. And, again it's VERY dangerous. We had to have guards at our house in Jakarta at night for protection. Also dirty. Bali was gorgeous in the 90s but now - no thank you and quite pricey. Paraguay is not for the faint of heart.
@@boudiccaprasutagus5709 i'd say it's a welcoming country if you decide to speak the language. Same anywhere. When locals see you making an effort to live their culture, most are welcoming and delightful. It's also one's body language on the street. Big difference if you walk strong and with an open heart and open mind. Travel light.
Kristin, In 2007 I qualified for a special visa program in Malaysia called "Malaysia My Second Home"...I only had to prove a pension income of a few thousand dollars and that was pretty much all I had to do. I never actually livd there on a long term basis but used the MM2H 10 yearVisa to come and go as I liked. I visited the Kuala Lumpur areas twice a year for 5 years. Many natives there speak English (Malaysia was once part of the British Commonwealth) and it is culturally diverse (Malays, Chinese, Indians, Indigenous people). But a several years ago they changed the requirements for getting the MM2H visa and retirees had to deposit a huge sum in a Malaysian Bank to qualify. I just let my Visa expire. But Americans can visit Malaysia on a 90 day visa that will be issued to you upon entrance to the country . I felt safe there and made some permanent friends. The big negative to me was the constant heat (being within a few degrees of the equator). I love the 4 seasons here in Ohio and the cooler temps much of the year...
I retired to Thailand in 2017. If you look into Thailand visas you will quickly discover that the visa situation can be complex. Let me simplify for this low income retirement target audience. Most people in this category avail themselves of visa agents. With a visa agent you will not have to make the $21,000 bank deposit. You will pay a yearly fee to the agent of about $400/year. While visa agents initially seemed a little dodgy to me it is in fact a widely accepted practice allowed by Thai immigration. If you do have the deposit money then you can do it yourself. If you are patient and organized it can be quite easy. Also, note that you get a visa (typically a non-immigrant O visa) and then you extend this visa yearly. You can do this indefinitely without leaving the country and if you continue to meet the financial requirement you will have no problems staying here long term. Also note that it is nearly impossible to get permanent residency and citizenship. Foreigners cannot own land but you can own a condo. Starting in 2024 the tax situation in Thailand is a little bit up in the air. They changed a tax rule that more easily allows them to tax income brought into the country. It's been 6 months though and nobody has any clear idea how this will affect the average pensioned expat. There is plenty of speculation - don't listen to it. I think we will have to wait until early 2025 before hearing anything from expats who have experienced this and can tell their story. This is causing some people to put off Thailand until next year. I'm already here and I am not worrying about it. The health care throughout Thailand is great from a US perspective. I've been to private hospitals in Bangkok and Ubon Ratchathani and the quality of care is exceptional. Access is essentially same day or next day. Doctors speak English. And it is very inexpensive. Health insurance is available but it is a private insurance market similar to the US. For me the insurance is equivalent to my US insurance but insurance is a complicated subject. Climate - it is a hot tropical climate. No getting around that. It works for me as a retiree by wearing t-shirts, shorts, and sandals every day. Language can be a barrier but we all get by just fine. If you are a city person then Bangkok is a huge modern international city with everything you could want to see and do. I lived there 6 years and loved it. I live in the countryside now but I visit Bangkok frequently.
Great post. Using an agent is actually part of the Thai culture. It's about connection and they do have connections with government officials through family connection or being in the same group.
@@jglee6721 I wouldn’t go that far. You could also look at it as low level corruption. A couple of times a year there is a news story about agents running off with money or passports. You have to be careful who you choose as a third party intermediary. I never used an agent. I deposited 800,000k in my Thai bank and prepared all the documents myself and only paid 1,900 baht ($52) each year. I only mention it as the most practical means to stay in Thailand for people with very low incomes and no savings since this video is about retiring overseas on $1,000/month.
Wow, this guy nailed it! For anyone thinking about Thailand as a retirement destination, read this guys post. I retired here 2 years ago and this is exactly my experience. Good job sir.
I agree! She's very pretty, well-spoken , and best of all? chill! I've been watching her YTs for about 2 years? I think 🤔? But she lays out the important information first and IMO is in my top 3 travel/living abroad YT peoples. Keep up the great work!🍀🙏
There are 100’s of these live “wherever” for $1,000/month videos. I retired to Thailand. Personally I recommend at least $2,000/month in any of these low cost of living countries plus some savings ($25k - $100,000) plus factor in the cost of your health care needs. If you plan to live in a foreign country on $1,000/month then you are going to put yourself in a fairly precarious position.
Thanks for the feedback, Marty and Ken. The costs I gave in the video are accurate and based on current info. It’s possible to find nice apartments in Chiang Mai for $300 per month. However living in Thailand on $3,000 per month would definitely be a luxury lifestyle!
I was planning on living on basically bugger all, although I would have land to grow lots of fruit, and do other activities, no mortgage no rent yes tent.
I've been to the Philippines and Thailand.. to me Thailand beats the Philippines in every category except for language religion add Visa situation. It is nice that they speak English in the philippines. A religion I am a Christian but I'm not a Catholic so I kind of look at Catholics like I would a different religion. You definitely get treated like a rockstar as soon as you get to the Philippines compared to Thailand. The language never bothers me because I literally just use Google translate and stay in areas that there's hardly any foreigners and have no problem. Infrastructure is so much better in Thailand. I mean you can get in a vehicle and I literally drive like you would in a small town America outside of town. The Philippines it can take like 3 hours to drive something that would take an hour in the United States.
Thanks for sharing your experience, Andrew. That’s true that the distances are veryyyyy far in the Philippines. Some ferries are more than 24 hours in a series of stops
After hearing all the retirement videos, I always feel like this site is like coming home. You always get the straight info without the fluff. Again, thank you for all the hard work!
I’m on the verge of retirement. I traveled to Albania after seeing one of your videos. I’m on the way to Boquete Panama in January. I’m checking out cheap places to retire. Thank you for this video ❤
That's wonderful to hear! I'm thrilled that my videos have inspired your travels and retirement plans. Wishing you all the best on this exciting journey ahead! ❤️
Kirstin is a confirmed goddess of social media global travel info based on boots-on-the-ground experience. Although I haven't checked in here in several years, I know Kirstin is honest and means well. It does not escape me that her audience focus seems very American and Eurocentric, however - for those that can get past the "Western perceptions" - I would strongly encourage considering Rwanda, Morocco (where we live part-time), and Namibia.
You can tell Kirsten has a good heart as she replies to just about all the questions and comments here alone. Boots on the ground too ! I thought I was a nice guy, now I'm truly humbled. I hear you can meet a lot of really cool people up in heaven. I'm hoping to retire there someday.😂
My sympathy goes to anyone approaching retirement, you may have reasonable concerns over your pension and if it'll stretch to cover the rising cost of living, bad regulatory policies, bad energy and insane fiscal policies and all they see is their greed and emerald cities
Learn a new language at home or abroad with Rosetta Stone. Sign up here and get more than 60% off Lifetime Access to 25 languages! partners.rosettastone.com/traveling-with-kristin3 (Sponsored)
Your Rosetta Stone video background makes me miss my Venetian Islands neighborhood at Miami Beach 😂
Hey Kristin can you pretty please do a video for young couples or young singles in 20s-30s and how much they’d need to save to move abroad and get started? Thank you ☺️
Are there any programs that teach Albanian?
I have tried to sign up 3 separate times because of your videos and it never completes after I enter all my info. So frustrating...
Peru has recently implemented Nomad Visa for 1 year and renovation for a second year.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for..
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@BrianEscobar-90 That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@VivekLuna My advisor is VICTORIA CARMEN SANTAELLA;
You can look her up online
@@BrianEscobar-90 The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?..
I’ve been looking into this, and there are some really affordable places where you can live comfortably on just your Social Security.
The cost of living in the U.S. is getting out of hand, and my Social Security only stretches so far. Where have you been looking?
I’ve been considering Mexico. The weather’s great, and you can live well there on a modest income. Plus, it’s close enough that visiting family back home wouldn’t be too hard.
I’ve also heard good things about Portugal. It’s a bit more expensive than Mexico, but still much cheaper than the U.S., and the quality of life is supposed to be excellent.
You all have great ideas. My wife and I have been seriously considering retiring abroad, but it’s a big decision, and we want to make sure we’re financially secure wherever we go.
That’s why we’ve been working with Bruce Kevin Begley, our financial advisor. He’s helped us explore all the options and make sure we’re covered, no matter where we end up.
The minimum Philippines monthly budget should be 1500 usd not 400 to 500. Their are many foreigner homeless people holding signs up on the roads begging like in the US. Insurance cost is about 1800 a year. If your older, you need to live in 1 of 3 cities for good hospitals. Manila, Cebu, Angeles City. Having 200 a month home, expect no AC, no Refrigerator, no cooking utensils, no western amenities (bamboo bed with 4 inch mattress) The SRRV is about a 6 month process. The 13A marriage visa,,, if your wife decides your marriage is over, she can have your 13A revoked and you will get Deported. Tourist visa is $60 a month. If you don't buy a scooter, the cost is about $8.00 a day. Average short trike ride is $2 each way depending on the island you choose. Western food is expensive because of shipping cost. Keep all of the above information in mind before you sell everything and move here. Make sure you have about 30k minimum nest egg so you can pay for healthcare and airfare home. ....... you can not leave the hospital until you pay your bill. They have armed guards to ensure you pay your bill. Have a wonderful stay!!
Thank you for sharing this detailed information about living in the Philippines @jones4334 !
Agreed.
I left the Philippines in 2016 and I need $1500 to live a decent life at that time. 400-500 will not cut it for sure these days. At least a foreigner don't want to live on that budget.
I am retiring early with 300k to thailand in 7 years at the age of 48.Thats a solid retirement income.I will only be there 4 to 6 months a year though.
@@TravelingwithKristin your welcome. It was written quickly.
Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement
that's right. Investing in stocks can be a key component of your retirement strategy, but it's essential to approach it wisely. A trusted financial advisor can guide you in making informed investment decisions, diversifying your portfolio, and maximizing returns. By partnering with a financial expert, you can confidently invest in stocks and build a secure financial foundation that supports your retirement goals and aspirations.
Absolutely! A key to success in stock investing is to avoid impulsive decisions based on fear, which can lead to premature selling. It's essential to recognize that stocks are long-term investments, not get-rich-quick schemes. seeking the expertise of a financial advisor is essential to help make informed decisions.
This is why I've entrusted a fiduciary with my investment decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to $780k, generating sufficient dividends for my household's needs.
Mind if I ask you to recommend this particular coach you using their service?
jennifer alaine is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I live the same lifestyle here in the Philippines on Samal Island in Garden City as I do in the United States in Clearwater, Florida with my wife and four kids, two being in college.
It's all about how you want to live your life.
A single person can live very well on $1,500 to $2,000 dollars a month anywhere in the Philippines while a Family of five can live a comfortable upper middle class lifestyle on $2,000 to $2,500 dollars a month here.
What it takes to live a comfortable life in the Philippines for this American. (Me) I refuse not too.
1) I refuse to rent, I'm not stressing about a house or rental payment every month. We own our own house that's paid for because of this specific reason.
2) I refuse to live without air-conditioning.
Not only do we have a split air-conditioning unit ( central air ) But three window air-conditioning units as well for back up.
I'm never going without air-conditioning.
3) I refuse to live without water to clean our house, take showers, do dishes, do laundry, water the plants, wash our scooters. We have Public water as well as a water tank and electric water pump.
I'm never going to run out of water.
4) I refuse to run out of drinking water.
We keep 50 gallons of drinking water on hand at all times. I'm never going to run out of drinking water.
5) I refuse to be sitting in our house in a brown out without lights, air-conditioning, and water.
We have Public commercial power as well as a generator.
The generator will run everything in our house when the power goes out.
We have brown outs a few times a week.
In most cases they last about 10 minutes but sometimes more so in the event the power is out for more than 30 minutes I will then turn the generator on.
Sometime in the next year we will be putting up solar panels.
6) I refuse to run out of propane gas.
We cook with propane gas.
We keep two tanks so we don't have to wait around for a delivery to finish cooking a meal.
I'm never running out of propane gas.
7) I refuse to not have transportation, when it rains we take tricycles to go anywhere we want.
For now public transportation is always easy to get too.
When we go to Davao city we get a taxi cab.
We have two scooters mine and my wife's she prefers to ride with me but saying one breaks down we have a back up. We will be purchasing a van sometime in the near future.
8) I refuse to eat just Filipino food, We go to Davao city to shop for American food once a month, I eat 50% Filipino food and 50% American food during the month.
I've said all this for one reason, If you're a person who is struggling to live in the United States trying to put food on your table and keep a roof over your head then you may want to explore the idea of relocating to the Philippines.
90% of The Philippine people speak English a big plus when moving to a new country.
Renting is cheap. Foreigners can’t own land
Wow, I never consider my “MUST HAVES”. Thank you!!!
Mmmm…still NO!
Ppl just really get me. 🤦♀️🙄 Y'all DO know you can live in LOTS of nice, safe places in the USA on that amount of $, right? 👀😐
@@singingwindrider9881 That maybe true but I won't find the stress free peaceful life I live on Samal Island in the United States.
The day Joe Biden won the presidential election I bought my airline tickets the day he stepped into the white house I got on a plane to move to the Philippines and never looked back.
I now live 10 months a year in the Philippines and 2 months a year in Clearwater Florida where I keep a home to live in while visiting family and friends.
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Yes, Albania is super affordable! I lived there for just over two years! Local and seasonal foods are abundant and very inexpensive, rents are also reasonable. The downsides as you say are some infrastructures as well as language and culture barriers. Americans can live there visa-free for 12 months which is amazing.
Did you experience or hear about tax requirement issues or tax situations for extended stays there such as more than 180 days even though the visa is 1 year?
The one year stay for Americans is not a visa. It is a visa-free stay, similar to the 90 days you may stay in many countries based on your passport alone. To my understanding there is no tax obligation unless you apply for residency … the financial infrastructure of Albania is still evolving but I believe taxes for residents come into effect after a certain income threshold.
@@karenespig Thanks, I understood it’s not a Visa through applying, it’s a stamp in the passport upon arrival. Tax situation is good to know to prevent surprises. Too many countries consider a person a tax resident in well under a year in the country. It is something to keep up to date on.
I'm not a stoner , however I do like cannabis of any kind. Is there any cannabis friendly retirement country. I primarily use for pain relief and writing. I keep to myself and I'm a 76 year old man. Single, no pets.
Kaz. how was the weather in Albania? Too cold? Blue skies mostly? Warm? ty
As always another gem of a video. If I can add to this, the Philippines is the ONLY country outside of the USA that has a VA Hospital. So this is a great place for US military disabled veterans who want to be seen by a VA health professional.
Thank you so much @TheOtherChef! That's a valuable insight. Appreciate you sharing!
😆😆 right & everyone knows a VA hospital is just peachy. 🙄🧐
@@singingwindrider9881 to be fair, I have a lot of expat veterans that live in the Philippines and get their medical care through the VA for their disabilities. In regards to care outside of the VA, I believe the Philippine health system is actually pretty affordable. But just wanted to point that out since the VA in the Philippines is the only VA hospital outside of the United States.
This VA clinic is only available for those with service connected disabilities.
Remember in Argentina that unless it is an emergency bringing you to the emergency room you cannot walk into a clinic you must do a reservation online and if they don't understand you they will hang up on you.
Your description of how cold Malta was in the winter made me laugh because I definitely experienced the “colder inside than outside” during the six years I lived in Morocco. I purchased two hot water bottles to get me through the winter, and when I was working at my desk, I’d put one at my feet and wrap the other in a towel and hold it on my lap. What a game changer. 😂
Thanks for sharing your experience @debbieg8951! 😀
LIKE a lot of Europe with it's old poorly insulated apartments and houses.
Portugal is famous for it's ice box houses esp in the north
Have been to Malta in the summer, didn't know it got that cold there ?
1. Peru
2. Albania
3. Malta
4. Philippines
5. Paraguay
6. Uruguay
7. Thailand
8. Belize
9. Argentina
10. Indonesia
Clean, clear and concise breakdown. Kristin is brilliant as always!
Thank you so much for the kind words! I'm glad you found the breakdown helpful @stefanlouw6395. 💛
@@TravelingwithKristin ☺️🌸
Malta is an interesting choice, it IS an EU country. Valletta is my favorite city in the world, but it's VERY expensive to live there. Any time somebody says "Mediterranean climate" you should think "cold and DAMP" in the winter. Also, you showed the Azure Window in your graphics, which fell into the ocean a few years ago. Gozo is a bit cheaper, rent-wise, and Victoria is really nice. Plus it has the Citadel. Note: there is NO Ikea in Malta. One of my friends skipped it for that. IF you're going to Peru, stick to Miraflores or Barranco (both suburbs of Lima) which are great for expats. Peruvians are nice, and everything is pretty sensibly priced. Take the bus from the airport, they'll take care of you and the counter clerks speak English!
Hi Kevin, glad you like Malta! It’s definitely cold and damp in the winter, as I conveyed from experience. The rent is very affordable outside of St. Julians and Sliema, however. The Azure Window was there during my trip (before it collapsed) so that why I included the clip. I try to use my own footage in my videos as much as possible. And it’s still a symbol of Gozo in my opinion 😉 Thanks for the Peru tips! I stayed in Miraflores as well.
I am living in Lima. Magdalena del Mar , ocean view as Miraflores but cheaper.
Also one of the most corrupt countries in Europe
I enjoyed this Social Security-based recommendation video, including the more affordable countries since my S.S. is minimal. I had not considered Uruguay prior to watching so I thank you for that. I love the informational chart at the end of each country, it is so helpful. I appreciate all of the time it takes to compile the data, thanks so much!
You are so welcome Cindy! I’m glad having all the info together is helpful for you!
Peru is the most affortable in her list. I live in Lima , a district with mild climate all year around. ocean view 10 block away. Magdalena del Mar. A full coarse meal $ 3.5 or 12 soles.
Older people don't realize that if they have a major health crisis, such a heart attack, the chances of surviving in a third world healthcare is almost impossible. My brother had a heart attack in Mexico and the private hospital provided shoddy care, which resulted in my brother's death. The were still trying to charge over 20 thousand dollars, otherwise they would not release the body until we got SEMEFO (coroner's) office involved.
I'm sorry for your loss. Thank you for sharing sad but important information
I guess the moral of the story is to live a lifestyle that is designed to avoid such a calamity. I'm sorry for your family's loss.
Sorry for your loss. There are a few “third world” countries with better healthcare than some first world countries though. Although considering these countries have high HDI of above 0.8 (Malaysia, Thailand, etc), third world isn’t a great descriptor for them.
Wow first time I hear about PERU for retirement. I know it quite well as I had a Peruvian Girlfriend which showed me around. You can even get a complete nice dinner or Lunch for 1$ if it is still the same as 10 years ago.
Used to think that Costa Rica or Panama would be great places to move to but then I found out that parts of rural Ohio and Indiana are slightly more expensive for me to live in than both places.( mostly because you need to own & maintain a car) I view the Christian religion as extremely important in my life which rules out the Thialand & Albania type countries ( although I really like the videos on Albanian travel) Top places to move if I ever decide to move out of the USA are becoming Philipeans, Uraguay, or Paraguay for visiting purhaps Argentina and Croatia or Romania as top picks for a vacation.
That's interesting to hear your perspective! Each place has its unique factors to consider. Thanks for sharing your thoughts!
Love your detailed explanations and including relevant and realistic info thanks
As a man living on social security alone, a heartfelt thank you Kristin for this informative and inspiring video.
Besides Facebook, what forums are available to make contact with fellow expats? Any help would be greatly welcomed.
Let’s hope these gems don’t become Californicated and thus unaffordable to locals and tourists alike.
"Californicated" 😂
Peru is the most affortable country in her list. Try in Lima , Magdalena del Mar
I was recently in Ubud, Bali and would consider it to be a great place to live. I was there 7 days but will definitely go back.
Nice! Many people enjoy Ubud for the culture and natural beauty there. It’s also a wellness destination
Still too chicken to go 10thousand miles away.😮 Most important...as a senior with chronic health issues...no country is an option...maybe Mexico with quick access to American hospitals...just the way it is. Who expected 🇺🇸 to become such an expensive junk bond country.
Hi Carol, Mexico is a popular option for medical tourism where you can remain close geographically to the USA. I covered Mexico in this video for you: ua-cam.com/video/v9iuFuN7_J0/v-deo.htmlsi=9jPVr7UDs2GhbL_H
@TravelingwithKristin Thanks, Kristin. I did watch that video. It was excellent...and for retirees, mandatory. Noone thinks pain and problems til you have them...and seldom do people plan their futures considering it. Enjoy the summer!
Gracias Kris. I think Peru is calling me! ty 4 cool vid
Your videos are quite informative. Though no country is perfect, livability factor depend on personal preferences and choices. So it's difficult to pinpoint a particular country which's perfect for everyone.! Watching videos like yours help people to decide things based on their choices. Kudos to you for your efforts. And..you're looking so gorgeous as always.😊
Thanks Jay! Glad it’s helpful
I was surprised that Malta was on the list! I will have to give it another look. I am watching from Paraguay and agree with everything that was said about this place. I also loved the section about Albania. That has been one of my favorite places that I have visited thus far.
I always enjoy your videos!
Thank you so much for your comment and for watching from Paraguay! 💛
Hi Kristin! We recommend over $1,000 to $2,000 for the Philippines to live comfortably.
Thanks for you recommendation @arnaldogloria1749!😊
Hi Kristin. Really enjoy your channel. Are there issues with Vietnam? I thought it may come in at #1. Other than the language barrier, it seems almost perfect. Thanks
Hi Dean, no issues with Vietnam! There are so many great places to feature. I might do a separate video on places to retire in Asia.
Vietnam doesn’t have a retirement visa, so you’d have to leave the country every 3 months for a visa run, unless you have a work visa, marriage visa, etc.
We my wife and I live in the first Capitol of Guatemala
Cost per month apartment including all utilities and private garage
$180..a month! All your needs are very inexpensive! Nationalized hospital are FREE! and the doctors studying from around the world!
Climate is like the Indian summer of new england!
Between my wife and myself we have traced to 120 countries
Thank you. This video was very helpful.
Your costs on the Philippines is Way off! $300 to $600 per month and you will be living in poverty conditions. A single person needs $1500 to $2000 a month to live ok but not extravagant. Try living in the Philippines on $500 a month total and you will not do well.
Hi Kristin. What is the source for the Healthcare rankings? I searched online and you get all kinds of different rankings on various websites.
Hi Kristin!
From the USA and I’m a huge fan of yours and have been following for ages! I’m always impressed by your hard work and quality content:)
I have a video request:)
My husband and are retired and have the option to live in several countries conservatively but comfortably. But my kids (about your age) are also thinking of moving abroad.
What are your pics for countries you would suggest for retirees and a young family to have a decent future? Education, healthcare, safety, taxes etc.
I have a feeling wherever we pick our kids may follow, so would be great to have a few suggestions! Thank you! Keep up the outstanding work!
Portugal, France or Spain.
wow may i suggest looking at rental prices in Belize again, .200 to 300?? That's for a nightlyperhaps weekly double room in some places.
Thanks for sharing this! Your chart says a retirement visa in Argentina is renewable for 5 years and that seems odd for a retirement visa, esp. one with a higher financial requirement. Could you clarify? Also, Uruguay chart says the visa is 1yr but renewable after 3. How can that work? Thank you very much for the handy charts and for speaking up as a woman traveling sola - we don't have many resources for that!
Another great and informative video , thanks .
Thank you Dave!
I see you Rosetta Stone commercial was done in the Miami, Ft. Lauderdale area...come back to the 305 & make some videos from your home town. 🙋🏽♂️
I'm in Ecuador and almost everything you talked about in Peru is better in Ecuador ... perhaps you could do a Peru vs Ecuador comparison.
Great and inspiring video! I will never retire and US will be my tax residency forever since most of my income comes from Nasdaq, even though I spend more time elsewhere :) Are you into sailing? Would be fun to see a comparison of dockage fees for ~ 40ft sailboat of these inexpensive locations 😂
Thank you so much! I tried learning how to sail once but it didn’t come naturally so I think I’ll leave it to the pros!
@@TravelingwithKristin You just need a big enough boat :) Greetings from Stockholm Archipelago
Have now lived in Colombia for the past 3-1/2 years solely on Social Security so it's definitely doable, but like the others covered here, it definitely has its challenges. Curious though why it didn't make this particular list?
Great list thank you for sharing
I just found your channel and loved this video! So informative. Thank you for sharing!
Thank you for watching and for your kind words @sevasweets7856! I'm glad you found the video informative.
We are curious, when looking at Latin America, what countries have the best free healthcare ?
(So far we have lived in 3 Central American countries)
The private health insurance issues we have run into are that they don’t cover the big stuff like heart surgery, cancer, etc….or they are very expensive, and/or they continue to increase in price as you age, or maybe even drop you at a certain age.
At this point we are healthy and just pay out of pocket, but we aren’t getting any younger.
We may end up retired in Guatemala, Colombia, Peru, or Argentina…not sure.
So any idea who has the best free public healthcare in Latin America ?…or how these countries rank ?
Thx !!!
Argentina, Uruguay and Brazil have the best public healthcare in S. America, although they say Colombia's is pretty good too.
I live in Peru and use private medical services. Cheap and very good quality. If we have good heath Peru is good. For example a full dental service could cost 100 to 200 usd
you can buy healthcare plans for $6 a month in Brasil and pay $5 to see a DR. IF you have a perm visa you can get free healthcare
Philippines nice beaches most people very nice but so many thieves so little time.
Interesting information
Glad you think so!
Wow and Malaysia?
It’s covered in this video: ua-cam.com/video/v9iuFuN7_J0/v-deo.htmlsi=zvlm8Ju80NIswHtt
Bali rentals are not cheap anymore generally
Kristen? Maybe I missed this but for the Philippines, where would you recommend for seniors near a nice clean beach and lots of trees? Thank you so much!
Hi Michele! I haven’t done a video yet about places to live in the Philippines as I’ve only been to Makati and Manila areas, so I can’t speak from experience there.
Apologies for interrupting, just one of the brief recommendations about your query, try visiting Dumaguete city in Negros Oriental or Panglao island in Bohol, those are nice places for seniors with a nearby beach areas and a pure of nature to drop by✌✌✌
Thank you!
Have you heard of "Startup Chile," offered by the Chilean Government? They will pay entrepreneurs $40K each to relocate their businesses there. I saw this in other UA-cam Videos.
Bali Thailand and Philippines is it for me
And southern Spain 🇪🇸
Great to know about Philippines
I'm filipino of Phillipines . only good here outside of city ,There is a part in cities that is depressed area it's hard to explain,
Being affordable puts the country in the list for "best country" to live in. If I can't afford to live there, then it isn't a good country to live in (why leave the U.S. if money is not an issue?).
Re: Albania - for better healthcare, where is a nearby country that has 1) better healthcare 2) that is still affordable / where healthcare insurance is affordable?
How would you rate Malaysia; Croatia; Bosnia/Herz; and Montenegro?
General question: is there a country that people (outside that country) can buy affordable healthcare insurance that also provides excellent quality healthcare, so when needed those people can travel to that country for medical services?
You got Uruguay wrong for sure. It’s not cheap to live there. I have Uruguayans friend that decided to retire in Medellin, Colombia instead. Way better in every aspect!
I've lived for 20 years over seas. Your figure are from 20 years ago.
Is there a huge difference between Paraguay and Uruguay?
How many residence permits can we have at the same time?
The Philipines is probably my destination. Just heard a grown woman was swallowed by a reticulated python in Indonesian. I'll pass but may visit Bali for a week.
Needing current 2024 info please. Wanting to vacation in Europe for a month or so, I have never been there. Looking for a central, safe area to rent to use as a home base and visit other countries. Which countries are the most financially responsible, safe and centrally located? I’m thinking about Romania and Albania… ideas and approx rent for a nice but not extravagant place??? Thanks
That is not the average soc sec check. Try $1300 a month
Does peru have a city with weather like san diego. If so where?
Thanks in advance
Yes Lima is like Southern California with mild climate
I’ve never seen so many UA-cam adds as on this video. Wonder why.
I'm an English speaker - only ! -- All those countries with a language barrier are a source of frustration and aggravation - & are 'not needed' by an old retired person like myself - looking for comfortable and cheap ?!? --- Add nice weather a safe environment and friendly locals to my desired criteria and the Philippines just jumps out at me ! (?) Having many like minded expats are a bonus. > There really appears to be many "happy campers" retired there or wanting to be ?
You are never too old to learn languages. I am 66 and learning my 8th language. I speak my languages fluently.😊
@@elisabethdorrer4831 > 2 mini strokes & short term memory loss ! Not age.
Be careful moving abroad if you’re older . You need to not only check out the cheap cost of living but you need to check out the medical system . Hospitals , medical care .
I heard Argentina is not as cheap as it used to be now
would living in Spain reduce my social security benefits or will it stay the same? what about medicare and health benefits?
I am going to retire in Brazil. Money is worth 5X there.
where are you making this video from @Traveling with Kristin ?
I'm in India, then it's Nepal, Thailand, Cambodia, Vietnam, Malaysia, Indonesia and then the Philippines. Hopefully, I'll be rich by that time, and I can reassess my options. Haha😂
The thing is most other countries do not allow foreigners to buy/own property. So, you will be renting. 😐
And when you get right down to it, you really CAN'T live "cheaper" than the USA (you don't HAVE to live in a big city, you know?). LOTS of places here are very affordable! And unlike other countries, you really can live on $500/mo or less (provided you own, not rent, the property). Then, very easily save your $$ and go traveling!
AND there are also plenty of (nice, lovely, kind, Christian) single women looking for a husband here too.
Just real tired of ppl casting shade, leading others astray.
Indonesia you will be there for the next 500 years if you try to collect all the trash and garbage along the sides of the road.
Please exchange "you got" to "you have". Just please.
You said Peru was the second cheapest in South America, what is the first?
Bolivia.
Peru is the cheapest in her list considering quality of life , Bolivia is the cheapest by QoL is pretty bad
Well done, useful video. As an aside: minimalist decor much?
Hi Kristin,
I signed up on this channel for the Costa Rica trip in August . ( I did sign up late ) but I never got a reply .Also reached out via the links , no response received .
Hi can you send your concerns to hello@travelingwithkristin.com! Thanks
@@TravelingwithKristin Thanks Kristen , I will .
Kristin, which country did you choose? Are you living outside the U.S.? I've got to make a decision in the next 12 months so your videos have been helpful. My dream was Portugal but changes in the laws there have now made that unaffordable for me. I'm looking at Puglia in Italy or a couple of locations in Mexico. I have to say, I think Mexico is growing so fast now that the exchange rate is going to tighten the gap between the dollar and peso so it won't be as advantageous for Americans much longer. I don't want to live in cold climate so some of the cheaper countries are off the table for me.
Peru has some regions with mild climate as Magdalena del Mar district in Lima.
Ecuador is the best place for retire.
I'm semi-retiring to Cuenca in a few months at 52, can't wait.
Cuenca , Vilcabamba and Loja are safe , but coast is not. In case of Peru all the country is safe, ranks 6 homicide per 100k during 2023 , while Ecuador 44.
Spot on
Probably it is difficult for US-citizens to come and live in Sweden, but hubby and I are living a simple quality life in the South of Sweden as retired. We live in a studio on the ground floor in a tiny, peaceful village, with shop (including post and pharmacy service), bank, kindergarten, restaurants, school, soccerfield, church, and bus to the nearby municipality's central village, where there is "everything", inlcuding railwaystation, and a few doctors with many forms of service (cheap). As far I understand it wouldn't be cheaper for us to live in Peru. I'm sure US-couples could live as nicely as we do, if they moved within USA, if they just arranged things together with others.
In Sweden we have nature in abundance, to walk, cycle, swim, canoe, sail, camp, whatever; it is quiet, safe, cosy. We enjoy four seasons and a clean and varied scenery. Personally we have a plan for electricity from wind (cheap) and an low-tariff internet connection through some broadband, more than enough for two. We rent our apartment for a very low cost per person, it is convenient but a bit old-fashioned. Our groceries are on the expensive side because we almost only buy organic and fair-trade produce, which are priced 30-50 % higher. We have an EV and a small dog. I highly recommend youtuber Prepper Princess if you want to learn about living a quality life at a low cost and save a lot.
Four seasons in Sweden imply we have snow in winter, mosquitoes in summer, rain mainly in fall and spring, and also many rain-showers during the summer, so normally we have a very lush landscape and abundant water. We don't have vulcanoes, earth-quakes, major power-outings, and our tap-water is drinkable as it is. Apart from some notorious limited places, Swedes are very honest and law-abiding, and don't mind paying taxes for all the good things that are provided with tax-money, so the country is very safe, with high degree of trust for police and government, so we expect very low-crime, with strict gun-laws. Safety is partly thanks to limited alcohol-access.
Everything is very orderly and neat, so we hardly need ever to see gated parts of our cities. Neither do we have wide-spread sleeping in streets or in rough. The country-side is free to roam, which comes with the duty to be considerate of wild-life and property. These things are typical for the quality of life, that Swedes have arranged for themselves through grass-roots organizing, and endless discussions and confrontations in the parliament and municipalities. The people have kept the rampant capitalist tendencies at bay, at least so far, but the bonuses are not given for free from above, the Swedish model has to be defended continously - think Bernie Sanders and Kathy Porter, then you'll know what has been needed and is needed.
All in all Sweden, without corruption, cockroaches, poverty, and hot weather, is better than all the places you've suggested to take advantage of, I'm very pleased to say. Thanks for investigating and reporting, though.
Wowowow! You’ve convinced me Sweden is the place to be!
A place without cockroaches is heaven
Very nice and informative input, thank you for that. One possible correction may be needed; I think you meant Katey Porter, not Kathy. ❤
Another great informative video. Thank you.
Glad you enjoyed it @eduardodifarnecio2336!
I live in Peru. Regarding that beautiful home for US$350/month it is a very common practice to "accidentally" quote the price in Soles but it's really US dollars to your shock. This advertisement claimed it was $350 but I doubt it. For a two bedroom, paying 6-12 months up front we were paying US$550/Month. The food in a greasy spoon restaurant may be $4 but a decent place will likely be $8-$20.
I am 38, so nowhere near retirement haha. HOWEVER this is the first time I realised I can collect my pension overseas when I retire. THIS IS INCREDIBLE NEWS!! 😃😃😃
Yes you can collect social security at home or abroad! And retire at 40 in Belize or Malta ;)
I didn't know that @@TravelingwithKristin
I am very surprised about Malta. I currently live there and I have to tell you, it's absolutely not cheap. Prices for food and rent skyrocketed after the pandemic, which makes it even more expensive than some northern European countries. Malta is a place where prices don't really make sense in comparison to what the people earn there. It's also very small and touristy with many migrants from India, Bangladesh, and Latin America, making it lose its original culture. Due to the massive increase in population, the traffic is a horror and the streets are dirty. It can also get quite hot and wet in summer. Even though you have mild winter months, great restaurants, and cheap fresh seafood, I think many other places in Europe offer more for less.
Thank you for sharing your perspective on Malta @Julijacreates!
Makes sense. These issues were increasing (traffic) ten years ago!
For your information Latin American people don’t go to Malta to migrate.I’ve only seen tourists and students in Malta from any place in Latin America.i was a tourist there but I’ve seen zillions of people from North Africa Middle East and India living in there. Get your facts right lady
I have to give you a well deserved credit for covering the tax ramifications of these countries. Most, if not all of the other UA-camrs do not go there, but you have gone the extra mile which is what a newly retired guy like me needs to know. Thank you Kristin so, so much. Good Job!
Thank you very much! I'm glad the tax information was helpful to you @woody3167.
Just make sure you confirm the PRESENT taxation laws and policies. They change on a fairly frequent basis. Thailand is a good example. Foreign income is now taxable regardless of when it is brought into the country. If you reside in Thailand for more than 180 days per year, your income is now potentially taxable at the difference in rates between your home country and Thailand's rate based on annual income.
Kirstin: there are a lot of good channels looking at this topic. I consider your channel the number one I trust. I am on the verge of doing exactly this.
Many Thanks for your hard work and doing such a great job 🙏👍👍
Thank you so much! Glad the hard work is paying off 😊
I agree very, very thorough and thoughtful. But I make 960 S.S. , hate noise, crime, got any ideas ?
@@user-T.Baldwin Cyprus, out of town
Dinny. Agree. This is the best channel hands down. Period!
Honestly I live in the United States on lless than 2000 a month.
Good for you, Andrew! It’s also possible in the U.S. of course, but depends on the location. Which state or city are you in?
Which area?
@@TravelingwithKristin Winchester Tennessee area. Town of about 10,000. In 2019 I was renting a two-bedroom house fully renovated with a backyard and office in a garage for 450 a month. Prices have gone up but they're still considerably lower than a lot of cities in Tennessee. Actually my child support ended and my car got paid off so I basically downsize and moved in with a friend and live in the living room and sleep on the couch. He charged me $200 a month all bills.
@@andrewbrann6231Yeah most people don't want to live on a couch. I'd rather live in a culture rich area in a foreign country than the middle of nowhere in America (and still be poor).
@@MH-et5snExactly. What is the fun of living in a small town in Tennessee. I live in Alabama and retiring here would be depressing. 😅
Water! I'm surprised at how few people are discussing this.
Even a quick search on UA-cam about the Mexican water shortage can be quite the eye opener. I won't drink Coke, Pepsi or Heineken 😬
In the next few weeks more people will understand if it doesn’t start to rain 🙏
She didn't say Mexico?
It’s Finally raining and we are celebrating 🥳 💃
I'd drink Mexican Coke over American Coke any day.
Wait, why Coke, Pepsi or Heineken?
@@annehedonia156 because they waste water in production
Uruguay is not a safe nor a cheap place to live. And is especially dangerous for expats. Uruguayans are not very welcoming to foreigners and most leave within 2-5 years having had a very bad experience. Of course, it's always best to speak directly with expats who have lived in these countries to get an insider's view so there are no major disappointments.
This channel and other similar channels tend to exaggerate affordability quite significantly. It's how they get views - by selling false dreams. Either that or they don't do their research properly. I don't know much about Uruguay, but you're definitely not going to be living well in the Philippines for $500-600 a month, as this video claims. You'd need to double that at the very bare minimum.
@@ba8898 I've also lived in Indonesia for 9 years and there's no place to exist on $1,000. And, again it's VERY dangerous. We had to have guards at our house in Jakarta at night for protection. Also dirty. Bali was gorgeous in the 90s but now - no thank you and quite pricey. Paraguay is not for the faint of heart.
Peru is one of the safest counteis in L.America 2023 . 6 homicide per 100k people , while Uruguay 12 , colombia 26 , Mexico 24 , etc
URUGUAY IS NOT SAFE? Could you pleas elaborate?
@@boudiccaprasutagus5709 i'd say it's a welcoming country if you decide to speak the language. Same anywhere. When locals see you making an effort to live their culture, most are welcoming and delightful. It's also one's body language on the street. Big difference if you walk strong and with an open heart and open mind. Travel light.
Phillipines cost $2000 per month for most expats; not under 1k.
Kristin,
In 2007 I qualified for a special visa program in Malaysia called "Malaysia My Second Home"...I only had to prove a pension income of a few thousand dollars and that was pretty much all I had to do. I never actually livd there on a long term basis but used the MM2H 10 yearVisa to come and go as I liked. I visited the Kuala Lumpur areas twice a year for 5 years. Many natives there speak English (Malaysia was once part of the British Commonwealth) and it is culturally diverse (Malays, Chinese, Indians, Indigenous people). But a several years ago they changed the requirements for getting the MM2H visa and retirees had to deposit a huge sum in a Malaysian Bank to qualify. I just let my Visa expire. But Americans can visit Malaysia on a 90 day visa that will be issued to you upon entrance to the country . I felt safe there and made some permanent friends. The big negative to me was the constant heat (being within a few degrees of the equator). I love the 4 seasons here in Ohio and the cooler temps much of the year...
I retired to Thailand in 2017. If you look into Thailand visas you will quickly discover that the visa situation can be complex. Let me simplify for this low income retirement target audience. Most people in this category avail themselves of visa agents. With a visa agent you will not have to make the $21,000 bank deposit. You will pay a yearly fee to the agent of about $400/year. While visa agents initially seemed a little dodgy to me it is in fact a widely accepted practice allowed by Thai immigration. If you do have the deposit money then you can do it yourself. If you are patient and organized it can be quite easy. Also, note that you get a visa (typically a non-immigrant O visa) and then you extend this visa yearly. You can do this indefinitely without leaving the country and if you continue to meet the financial requirement you will have no problems staying here long term. Also note that it is nearly impossible to get permanent residency and citizenship. Foreigners cannot own land but you can own a condo.
Starting in 2024 the tax situation in Thailand is a little bit up in the air. They changed a tax rule that more easily allows them to tax income brought into the country. It's been 6 months though and nobody has any clear idea how this will affect the average pensioned expat. There is plenty of speculation - don't listen to it. I think we will have to wait until early 2025 before hearing anything from expats who have experienced this and can tell their story. This is causing some people to put off Thailand until next year. I'm already here and I am not worrying about it.
The health care throughout Thailand is great from a US perspective. I've been to private hospitals in Bangkok and Ubon Ratchathani and the quality of care is exceptional. Access is essentially same day or next day. Doctors speak English. And it is very inexpensive. Health insurance is available but it is a private insurance market similar to the US. For me the insurance is equivalent to my US insurance but insurance is a complicated subject.
Climate - it is a hot tropical climate. No getting around that. It works for me as a retiree by wearing t-shirts, shorts, and sandals every day.
Language can be a barrier but we all get by just fine.
If you are a city person then Bangkok is a huge modern international city with everything you could want to see and do. I lived there 6 years and loved it. I live in the countryside now but I visit Bangkok frequently.
I love Hua Hin. i hope to rent there when my lease in Jomtien expires
Great post. Using an agent is actually part of the Thai culture. It's about connection and they do have connections with government officials through family connection or being in the same group.
@@jglee6721 I wouldn’t go that far. You could also look at it as low level corruption. A couple of times a year there is a news story about agents running off with money or passports. You have to be careful who you choose as a third party intermediary. I never used an agent. I deposited 800,000k in my Thai bank and prepared all the documents myself and only paid 1,900 baht ($52) each year. I only mention it as the most practical means to stay in Thailand for people with very low incomes and no savings since this video is about retiring overseas on $1,000/month.
Wow, this guy nailed it! For anyone thinking about Thailand as a retirement destination, read this guys post. I retired here 2 years ago and this is exactly my experience. Good job sir.
Thank you very much , in 2025, i am going to retire in Thailand ..
They sure look better than Mexico
We're out of here. It's now gotten more expensive than a lot of places in the United States. Thanks.
I'm from South America and there's a lot of corruption and economic instability. Also, it's not very safe.
I have a big crush on this girl. She is quite pretty and I like the elegant way she speaks
Thank you for the compliment
I can tell you that her videos get better and better all the time.
I agree! She's very pretty, well-spoken , and best of all? chill! I've been watching her YTs for about 2 years? I think 🤔? But she lays out the important information first and IMO is in my top 3 travel/living abroad YT peoples. Keep up the great work!🍀🙏
Kristin is great, i saw her first ☺ lol
I was lucky enough to have a drink with Kristin during a brief traveller's chat on the road a few years ago. Exquisite company.
There are 100’s of these live “wherever” for $1,000/month videos. I retired to Thailand. Personally I recommend at least $2,000/month in any of these low cost of living countries plus some savings ($25k - $100,000) plus factor in the cost of your health care needs. If you plan to live in a foreign country on $1,000/month then you are going to put yourself in a fairly precarious position.
I live in Thailand too. I $3,000 gives a little more peace of mind to slurge a bit.
Thanks for the feedback, Marty and Ken. The costs I gave in the video are accurate and based on current info. It’s possible to find nice apartments in Chiang Mai for $300 per month. However living in Thailand on $3,000 per month would definitely be a luxury lifestyle!
I was planning on living on basically bugger all, although I would have land to grow lots of fruit, and do other activities, no mortgage no rent yes tent.
I've been to the Philippines and Thailand.. to me Thailand beats the Philippines in every category except for language religion add Visa situation. It is nice that they speak English in the philippines. A religion I am a Christian but I'm not a Catholic so I kind of look at Catholics like I would a different religion. You definitely get treated like a rockstar as soon as you get to the Philippines compared to Thailand. The language never bothers me because I literally just use Google translate and stay in areas that there's hardly any foreigners and have no problem. Infrastructure is so much better in Thailand. I mean you can get in a vehicle and I literally drive like you would in a small town America outside of town. The Philippines it can take like 3 hours to drive something that would take an hour in the United States.
Thanks for sharing your experience, Andrew. That’s true that the distances are veryyyyy far in the Philippines. Some ferries are more than 24 hours in a series of stops
After hearing all the retirement videos, I always feel like this site is like coming home. You always get the straight info without the fluff. Again, thank you for all the hard work!
Thank you so much for your kind words @krr868! 🙌
I do agree entirely!
I agree, Kristin always speaks clearly and sincerely while providing great info.
I’m on the verge of retirement. I traveled to Albania after seeing one of your videos. I’m on the way to Boquete Panama in January. I’m checking out cheap places to retire. Thank you for this video ❤
That's wonderful to hear! I'm thrilled that my videos have inspired your travels and retirement plans. Wishing you all the best on this exciting journey ahead! ❤️
So what is your opinion about Albania?
Kirstin is a confirmed goddess of social media global travel info based on boots-on-the-ground experience. Although I haven't checked in here in several years, I know Kirstin is honest and means well. It does not escape me that her audience focus seems very American and Eurocentric, however - for those that can get past the "Western perceptions" - I would strongly encourage considering Rwanda, Morocco (where we live part-time), and Namibia.
Thank you for the feedback! I haven’t traveled much in Africa yet but hope to explore more there in the coming years. 😊
You can tell Kirsten has a good heart as she replies to just about all the questions and comments here alone. Boots on the ground too !
I thought I was a nice guy, now I'm truly humbled.
I hear you can meet a lot of really cool people up in heaven.
I'm hoping to retire there someday.😂
I hadn’t thought of these areas . I want to know more.
@@TravelingwithKristin Could you please make a video on the 10 best/cheapest countries to retire in Europe? TIA
Can you please expand on your favourable mention of Namibia, it is a country that holds some intrigue for me.
Talk about the bugs situation in Argentina
My sympathy goes to anyone approaching retirement, you may have reasonable concerns over your pension and if it'll stretch to cover the rising cost of living, bad regulatory policies, bad energy and insane fiscal policies and all they see is their greed and emerald cities