Looking to hear from others considering retiring abroad.

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Apotheker2015

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I thought I'd open this thread to connect with others interested in/considering retiring abroad. Bring whatever you'd like to the table:
  • If you want to share what countries you are considering and why, that's awesome.
  • Maybe you have made up your mind to retire early -say 55-, and you feel like sharing how you plan on financing your living expenses between age 55 and full retirement age or whenever you decide to tap into social security benefits.
  • Maybe you want to share why this choice makes sense for you financially.
To be clear, this is not a thread to discuss the pros and cons or how health care may not be comparable or why you would never consider retirement abroad. This thread is for you if:
  • you've given this idea some thought,
  • have crunched some numbers and realized maybe this may just be the only way for you to retire early or to retire at all, and
  • you have even looked up properties in those potential countries.
A while back I discovered International Living Magazine. I do not subscribe to it as you can get plenty of info for free without paying. It's worth checking it out. Househunters international has some cool episodes, as well. There are youtubers who vlog about their lives overseas. (Feel free to share any other sources of information)
Options that make sense to me are South East Asia - Thailand & Malaysia; I am curious about Vietnam & Cambodia. There's of course, South America - Colombia (there is an English speaking island - San Andres, Providencia & Santa Catalina), Chile, Argentina. In Europe - Southern Spain and Southern France (Both very affordable according to that magazine).
 
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I have actually given it a lot of thought. I just cannot see myself continuing to work retail for 25 more years.

I have a paid off house (400k), ~600k in retirement (which will hopefully be 3 million in 25 more years) and 500k outside of my retirement accounts. I feel like I could almost retire in some low cost of living country. One thing that bothers me is tax treatment. For many of the countries I have looked at, I would need to pay taxes there and my 401k is not considered tax free in that nation. Thus while the 401k money grows tax free here, I would probably need to pay taxes for it elsewhere. How this affects my kids is another concern. However, I continue to give this quite some thought.
 
Actinomycin said:
I have actually given it a lot of thought. I just cannot see myself continuing to work retail for 25 more years.

I have a paid off house (400k), ~600k in retirement (which will hopefully be 3 million in 25 more years) and 500k outside of my retirement accounts. I feel like I could almost retire in some low cost of living country. One thing that bothers me is tax treatment. For many of the countries I have looked at, I would need to pay taxes there and my 401k is not considered tax free in that nation. Thus while the 401k money grows tax free here, I would probably need to pay taxes for it elsewhere. How this affects my kids is another concern. However, I continue to give this quite some thought.
Click to expand...

I feel you. I graduated in 2015 and I do not have 25 years of this in me. In your case, I would not wait another 25 years to retire. What you have saved up is more than enough to support yourself from age 55 until you get social security. Social Security is not going to implode tomorrow. We are going to get social security.
Regarding taxes, here is a link you might find useful.
Tax Implications of Retiring Overseas - HOLSINGER
From what I understand, you are rarely double taxed. If you are, then you should avoid that country. What can be confusing is that to issue a residency permit, countries will ask to show proof that you have either $x amount in the bank or a monthly pension/income of at least $y. However, that does not mean they're going to tax that.
If you want to give me some examples of countries you've looked at, I can look around and see what I can find, too.
Here's another good short article.
How to Manage Your Money If You Retire Abroad
Paragraph 8. "None of those 401(k) and IRA distributions is earned income," says Jonathan Lachowitz, a certified financial planner with White Lighthouse Investment Management, a firm with offices in the U.S. and Switzerland that specializes in advising Americans living overseas.
In this second article, the couple who lives in Costa Rica keeps all retirement accounts in the US, their social security benefits get deposited into a US Bank account and then they pay themselves once a month by writing a check and depositing it into their costa rican account which takes 30 days to clear. That sounds doable.
 
I would like to relocate well before retirement, but I am looking at Malaysia, Thailand, and Panama for second residency, the last of which is income tax-free. In the meantime, I would be happy doing remote work for a US-based company while living abroad. Plenty of digital nomads have figured out how to travel the world while working from a laptop, but there is little information for healthcare professionals. By the time I can even think about retirement though, who knows what changes will happen in pharmacy? Maybe PharmD pay in those countries will rival U.S. salaries, maybe the big box stores will finally trade their pharmacists for super-techs and destroy whats left of our market,or maybe the tax and migration landscapes will change tremendously in the next 25 years.
 
I've looked into this. If you have a nice sized retirement and want to live very well -- I'm looking at either Spain, Portugal, or one of the Mediterranean Island states like Malta or Cyprus. You can literally buy citizenship in those two countries. If you want to go to the third world, I thought Costa Rica, Panama, and Albania seemed nice.

I'll probably just puss out and live in Palm Beach or something.
 
Ive been looking into Ecuador. Many expats there. The president is Americanized. Temperatures in the foothills of the mountains are consistently in the 70’s year round (no heating or cooling costs). Food is cheap. Lots of examples of people living well for under $2k/month.
 
Apotheker2015 said:
I thought I'd open this thread to connect with others interested in/considering retiring abroad. Bring whatever you'd like to the table:
  • If you want to share what countries you are considering and why, that's awesome.
  • Maybe you have made up your mind to retire early -say 55-, and you feel like sharing how you plan on financing your living expenses between age 55 and full retirement age or whenever you decide to tap into social security benefits.
  • Maybe you want to share why this choice makes sense for you financially.
To be clear, this is not a thread to discuss the pros and cons or how health care may not be comparable or why you would never consider retirement abroad. This thread is for you if:
  • you've given this idea some thought,
  • have crunched some numbers and realized maybe this may just be the only way for you to retire early or to retire at all, and
  • you have even looked up properties in those potential countries.
A while back I discovered International Living Magazine. I do not subscribe to it as you can get plenty of info for free without paying. It's worth checking it out. Househunters international has some cool episodes, as well. There are youtubers who vlog about their lives overseas. (Feel free to share any other sources of information)
Options that make sense to me are South East Asia - Thailand & Malaysia; I am curious about Vietnam & Cambodia. There's of course, South America - Colombia (there is an English speaking island - San Andres, Providencia & Santa Catalina), Chile, Argentina. In Europe - Southern Spain and Southern France (Both very affordable according to that magazine).
Click to expand...

Philippines, cheap and lots of english used there.

$$ Looking into buying/building a "luxury" tri-plex. My net worth allows for a good buy at $100 psf. Gross 1600-2000 in rents while living for free in the 3rd unit. This combined with part time income 15-20 hrs is more than enough to relax to lead me to my 1.5 mil goal.

sometimes though I want to pull trigger on expat living already. gross income of 3500 ish should be plenty for living.
Maybe I'll walk tomorrow!!
 
quickpic007 said:
Philippines, cheap and lots of english used there.

$$ Looking into buying/building a "luxury" tri-plex. My net worth allows for a good buy at $100 psf. Gross 1600-2000 in rents while living for free in the 3rd unit. This combined with part time income 15-20 hrs is more than enough to relax to lead me to my 1.5 mil goal.

sometimes though I want to pull trigger on expat living already. gross income of 3500 ish should be plenty for living.
Maybe I'll walk tomorrow!!
Click to expand...

I should add the Philippines to my list. I am not afraid of a language barrier, though. It would be a sure way to keep mentally sharp in retirement. It does sound like you plan on staying busy over there, though. Don't let planning all that set you back, though. Just saying. Why complicate what is not supposed to be complicated? Most expats live on $800 to $1200 USD a month.
 
PharmDminus said:
Ive been looking into Ecuador. Many expats there. The president is Americanized. Temperatures in the foothills of the mountains are consistently in the 70’s year round (no heating or cooling costs). Food is cheap. Lots of examples of people living well for under $2k/month.
Click to expand...

Thank you for bringing up Ecuador. What do you mean by the president is Americanized? I tried looking into that and didn't find anything.
 
WVUPharm2007 said:
I've looked into this. If you have a nice sized retirement and want to live very well -- I'm looking at either Spain, Portugal, or one of the Mediterranean Island states like Malta or Cyprus. You can literally buy citizenship in those two countries. If you want to go to the third world, I thought Costa Rica, Panama, and Albania seemed nice.

I'll probably just puss out and live in Palm Beach or something.
Click to expand...

Portugal is a good one. Their Portuguese is also ridiculously clear; basically, Belgian french. Had not thought of Albania. What draws you to that country?
 
Leper Messiah said:
I would like to relocate well before retirement, but I am looking at Malaysia, Thailand, and Panama for second residency, the last of which is income tax-free. In the meantime, I would be happy doing remote work for a US-based company while living abroad. Plenty of digital nomads have figured out how to travel the world while working from a laptop, but there is little information for healthcare professionals. By the time I can even think about retirement though, who knows what changes will happen in pharmacy? Maybe PharmD pay in those countries will rival U.S. salaries, maybe the big box stores will finally trade their pharmacists for super-techs and destroy whats left of our market,or maybe the tax and migration landscapes will change tremendously in the next 25 years.
Click to expand...

Yes, Malaysia is nice. I recently watched this documentary about the underground anti-flood system in Kuala Lumpur. It's on Youtube. You should take a look. They basically drilled this 3 story highway under the city. It's used for transportation on a daily basis. It's really helped with traffic in Kuala Lumpur. When it rains the way it can rain there, they close it and divert all the water there and then let it out in a safe area. Quite impressive.
 
Apotheker2015 said:
Thank you for bringing up Ecuador. What do you mean by the president is Americanized? I tried looking into that and didn't find anything.
Click to expand...
I have several friends in Ecuador - this last election was controversial to say the least -The part of the country I have seen, I have zero desire to live in - but other parts may be nicer.

I have considered Island countries (Bermuda, Anguilla, and US Territories) - but that was mainly to work, as far as retiring, I could see having a second home there, but probably couldn't live there full time.
 
Apotheker2015 said:
Thank you for bringing up Ecuador. What do you mean by the president is Americanized? I tried looking into that and didn't find anything.
Click to expand...
when I had looked into it a couple years ago, their president had graduated college from somewhere in the US and was known for having policies that were friendly towards expats. This may have all changed by now, i dont even know if he is still the president
 
PharmDminus said:
when I had looked into it a couple years ago, their president had graduated college from somewhere in the US and was known for having policies that were friendly towards expats. This may have all changed by now, i dont even know if he is still the president
Click to expand...
he isn't - but his successor (voted in a little over a year ago) is of the same party
 
Dred Pirate said:
I have several friends in Ecuador - this last election was controversial to say the least -The part of the country I have seen, I have zero desire to live in - but other parts may be nicer.

I have considered Island countries (Bermuda, Anguilla, and US Territories) - but that was mainly to work, as far as retiring, I could see having a second home there, but probably couldn't live there full time.
Click to expand...

Nice. I'll have to check out Bermuda & Anguilla. Just recently, I saw a job listing for a retail pharmacy manager in one of the Virgin Islands. Apparently, life is cheaper there. In the Caribbean, I am very curious about Guadaloupe. It belongs to France but no offense to anyone, the people are so nice and welcoming and really live up to the joie de vivre. Island time is an issue, though. And there are of course, earthquakes followed by evacuations to the highest point of the island because a tsunami may just happen. Not a fun experience. Doable I suppose.
 
Apotheker2015 said:
I should add the Philippines to my list. I am not afraid of a language barrier, though. It would be a sure way to keep mentally sharp in retirement. It does sound like you plan on staying busy over there, though. Don't let planning all that set you back, though. Just saying. Why complicate what is not supposed to be complicated? Most expats live on $800 to $1200 USD a month.
Click to expand...

Tell us more about this 800-1200 $ monthly budget.
Does this address healthcare (my biggest concern)
How about just moving to cheap part of US?
 
Apotheker2015 said:
Portugal is a good one. Their Portuguese is also ridiculously clear; basically, Belgian french. Had not thought of Albania. What draws you to that country?
Click to expand...

Go to a bar. Tell them you are an American. You'll never have to buy a beer again. They love America more than Americans. They also had this insane dictator that built hundreds of thousands of bunkers. It'd be pretty sweet to live in a Cold War era bunker...lol...

Also, some of the most underrated beaches in the world, English is widely spoken in the large towns and every city, right in the middle of Europe making little jaunts to Italy, Greece, and Austria quick and easy.
 
Apotheker2015 said:
Nice. I'll have to check out Bermuda & Anguilla. Just recently, I saw a job listing for a retail pharmacy manager in one of the Virgin Islands. Apparently, life is cheaper there. In the Caribbean, I am very curious about Guadaloupe. It belongs to France but no offense to anyone, the people are so nice and welcoming and really live up to the joie de vivre. Island time is an issue, though. And there are of course, earthquakes followed by evacuations to the highest point of the island because a tsunami may just happen. Not a fun experience. Doable I suppose.
Click to expand...
Bermuda is uber expensive
 
Let me get this right. You went to school for all that years and now you want to live in a third world country?!


Sent from my iPhone using Tapatalk
 
You could live in Ukraine or Russia pretty dirt cheap and the girls there are beautiful lol.

I know a Ukrainian girl and she said she lives on 200 dollars a month. The only problem is that a lot of people don't speak English and Healthcare is horrible
 
BMBiology said:
Let me get this right. You went to school for all that years and now you want to live in a third world country?!


Sent from my iPhone using Tapatalk
Click to expand...

A bit of nuance, though...the question is more like live like a king in the third world vs live like a member of the upper middle class in the US.

There are people that didn't invest a dime into their retirements that have all their needs met including a maid and getting to eat out a few times a week on just their social security checks in some parts of Central America. In that case its either live in poverty in the US vs live with some dignity in the third world.

In our case, if you retired to Central America with a few million, you will live like a damned baller. Maid? Hell, you can have a personal chef, personal trainer, a huge house on the beach... and a comprehensive health plan that is cheaper than Medicare.
 
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Actinomycin said:
I have actually given it a lot of thought. I just cannot see myself continuing to work retail for 25 more years.

I have a paid off house (400k), ~600k in retirement (which will hopefully be 3 million in 25 more years) and 500k outside of my retirement accounts. I feel like I could almost retire in some low cost of living country. One thing that bothers me is tax treatment. For many of the countries I have looked at, I would need to pay taxes there and my 401k is not considered tax free in that nation. Thus while the 401k money grows tax free here, I would probably need to pay taxes for it elsewhere. How this affects my kids is another concern. However, I continue to give this quite some thought.
Click to expand...

What a waste. When I'm at the end of my one chance at life, I want to die peacefully, knowing I sacrificed it all for my employer's bottom line.
 
BMBiology said:
Let me get this right. You went to school for all that years and now you want to live in a third world country?!


Sent from my iPhone using Tapatalk
Click to expand...

It's not called the Third World for many reasons. If the Second World no longer exists, then how can you explain having a Third World. If you think everyone outside of the US is living in a hut, you need to get out there. Or not.
WVUPharm2007 said:
A bit of nuance, though...the question is more like live like a king in the third world vs live like a member of the upper middle class in the US.

There are people that didn't invest a dime into their retirements that have all their needs met including a maid and getting to eat out a few times a week on just their social security checks in some parts of Central America. In that case its either live in poverty in the US vs live with some dignity in the third world.

In our case, if you retired to Central America with a few million, you will live like a damned baller. Maid? Hell, you can have a personal chef, personal trainer, a huge house on the beach... and a comprehensive health plan that is cheaper than Medicare.
Click to expand...

Exactly, a lot of people are doing it just on social security income. Others are taking off before their 50's. My goal is to take off at 55. If I do not have enough, then scratch all the countries I mentioned. I will just head to where I was born. We still own a home there. Then, use whatever I have in my 401k/savings to get me through until I can start collecting social security. No need to be slaving away up here.

I have mentioned the concept of retiring abroad to Walmart clerks, and have been looked at as if I were insane. "Woman, you're living in poverty. Down there you won't". Nope, the clerk wouldn't even look up the website. To this day, the clerk has not looked it up.
 
quickpic007 said:
Tell us more about this 800-1200 $ monthly budget.
Does this address healthcare (my biggest concern)
How about just moving to cheap part of US?
Click to expand...

1200/month puts you in upper-middle class/upper class in Central/South America. If each parent makes 1500 to 2000, they're sending their kids to private international baccalaureate schools - unheard of in the US. Here is a site that breaks down the cost of living in Costa Rica. Cost of Living
So why would you want to move to a cheap part of the US and live on some dirt road when you could upgrade your standard of living, simply by moving and giving your currency a major correction for inflation. You won't have to worry about money.
Here is another one. This gal moved to Medellin, Colombia at age 32 from Chicago, IL. Expat Cost of Living in Medellín for a Single Woman
 
Apotheker2015 said:
1200/month puts you in upper-middle class/upper class in Central/South America. If each parent makes 1500 to 2000, they're sending their kids to private international baccalaureate schools - unheard of in the US. Here is a site that breaks down the cost of living in Costa Rica. Cost of Living
So why would you want to move to a cheap part of the US and live on some dirt road when you could upgrade your standard of living, simply by moving and giving your currency a major correction for inflation. You won't have to worry about money.
Here is another one. This gal moved to Medellin, Colombia at age 32 from Chicago, IL. Expat Cost of Living in Medellín for a Single Woman
Click to expand...

So what is the best use of time once you hit 1 Mil for example? Keep working till Social security and stay here? once you can pull 2K monthly from investments pull the plug on work and move abroad?

I debate this all the time during my work shifts. I know I can already move/stay in my cheap area, buy a nice home for cash @150K 100$ psf and live easy like a NEET and live on 5% expected return on the rest of my net worth/bankroll. Maybe I'm just unsure of leaving America.
 
quickpic007 said:
Maybe I'm just unsure of leaving America.
Click to expand...

It's extremely unnerving and difficult to leave one's hometown / comfort zone.

These days I travel outside the country at least once a year, taking advantage of current cheap airfare. But once upon a time going to college 1 hr away and not being able to come home every night was scary for me.

Not everyone has the desire to leave their friends, childhood places, family etc to move somewhere they have no roots. And that's ok. I always respect people who say they don't travel because they're not interested in sight seeing / xyz cultures. Not so much people who say they don't because "outside USA it's third world".
 
I've thought about it, family does own multiple properties abroad, but ultimately I think i can do better by just moving to a cheaper jurisdiction within the US (heck, there's plenty of cheap places in California that are still within a medium driving distance from a major city for goods/services). If I really want the tax break, Nevada is just over the border.

Part of the reason why it's unlikely I would relocate is because I foresee myself working (at least on a part-time/per diem capacity) into my 70s. Most of my family is long-lived into their late 90s-100s so working until 75 is reasonable. I'd probably dial back at 55-60 though and do a lot of traveling.

If I have declining health and/or facing a forced early retirement (at 55 or so) with NO other income options available, moving abroad with whatever I've saved moves up the list.

Retirement is a moving goal/target and I have new ideas every other year, ask me again 2 years from now and I'll have a slightly different answer.
 
I debate this all the time during my work shifts. I know I can already move/stay in my cheap area, buy a nice home for cash @150K 100$ psf and live easy like a NEET and live on 5% expected return on the rest of my net worth/bankroll. Maybe I'm just unsure of leaving America.[/QUOTE]

I would be gone if I were pulling 2K monthly from investments. Have you gotten out there? There expats of all ages everywhere. Why wait until 70 or 65 to retire? And do what? Why wait that long?
In your case, I would probably take off for a year and go explore.
 
confettiflyer said:
I've thought about it, family does own multiple properties abroad, but ultimately I think i can do better by just moving to a cheaper jurisdiction within the US (heck, there's plenty of cheap places in California that are still within a medium driving distance from a major city for goods/services). If I really want the tax break, Nevada is just over the border.

Part of the reason why it's unlikely I would relocate is because I foresee myself working (at least on a part-time/per diem capacity) into my 70s. Most of my family is long-lived into their late 90s-100s so working until 75 is reasonable. I'd probably dial back at 55-60 though and do a lot of traveling.

If I have declining health and/or facing a forced early retirement (at 55 or so) with NO other income options available, moving abroad with whatever I've saved moves up the list.

Retirement is a moving goal/target and I have new ideas every other year, ask me again 2 years from now and I'll have a slightly different answer.
Click to expand...

Where other then NV is good for tax breaks? TX looks appealing, but property tax is high?

Apotheker2015 said:
I would be gone if I were pulling 2K monthly from investments. Have you gotten out there? There expats of all ages everywhere. Why wait until 70 or 65 to retire? And do what? Why wait that long?
In your case, I would probably take off for a year and go explore.
Click to expand...

Dang! Maybe I should just pack it up and go LOL I can easily afford to do the year off but I'm hesitant to give up my easy post (the store is annoying sometimes but is not a 4500/wk CVS by anymeans).

#pharmacist probs
 
Dang! Maybe I should just pack it up and go LOL I can easily afford to do the year off but I'm hesitant to give up my easy post (the store is annoying sometimes but is not a 4500/wk CVS by anymeans).

#pharmacist probs[/QUOTE]

At some point, you have to decide you have enough material possessions. Have you ever heard of people limiting their possessions to an inventory of 55 items? There's a whole movement out there of people doing that. Look around your home and ask yourself, if $h1t hit the ceiling in the US tomorrow, and you only had a few weeks or months to leave for another country, how many of your possessions would you take with you? That's when you stop grabbing stuff at Target because it's on sale or just because...
When I first started at Walmart, I would end up shopping for things I needed on my way out. It was convenient. Then, you run into this deal, minus the 10% discount - DANG! I must get it. After looking through my receipts at the end of the month, I put a stop to it and returned what I could. I've decided that I have everything I need.
Then, knowing that my choice is to retire at 55. I am not in love with the field of pharmacy. I am not out for a nobel prize or ASHP nomination. No, I'd love a hospital job. I'll give it my best and will get my loans paid off. So knowing that I want to retire at 55. I also know that's not an option in the US. Even if it were, I don't think that I would. Life is much more personal outside of the US. Ask anyone. You tell your friends you're sick. Very soon you'll have one or two of them dropping off homemade chicken noodle soup.
But hey, I am not you. I am just hoping to share sources of information on retirement abroad options with others and learn what others are planning.
 
quickpic007 said:
Where other then NV is good for tax breaks? TX looks appealing, but property tax is high?

Dang! Maybe I should just pack it up and go LOL I can easily afford to do the year off but I'm hesitant to give up my easy post (the store is annoying sometimes but is not a 4500/wk CVS by anymeans).

#pharmacist probs
Click to expand...

Go to Internationalliving.com and sign up for their newsletters. You get a "postcard" once a week -however often you decide-, and that's just an expat sharing their experience, why they chose to retire abroad or why they chose to retire early. You name it. It's all there. If you're curious about living abroad, explore the idea. Don't let people who've never been there OR anywhere, tell you there's no running water outside of the US.
First of all, where there is a US embassy, there are a bunch of American or International schools around it. Those are staffed by Americans, Canadians or Europeans. Then you have the foreign service officials at embassies and consulates. They don't fly to work from the US every day. They live there. So it must be just fine. Just saying.
 
HandsomeVampire said:
What about moving to Thailand
Click to expand...

Hell yes. I have never been but your dollar would go a long way there. We're talking - having a staff that does things for you - even bring you water.

I would avoid the major cities, and settle somewhere I can put a lot of land between my home and other humans. Dreams...
 
Modest_anteater said:
i'm all for this guys. i really am. But countries like DR and Honduras are extremely dangerous. i was looking into this and was looking at Argentina and Ukraine and india.
Click to expand...

That's a very broad statement. Not every place in the US is Madison, WI where there is literally no crime. There isn't even a poor neighborhood.
I have not been to either one. I just shared the link as a resource for people, and to keep the conversation going. There's a lot of info out there.
Argentina - I have never been, either. I do know that a lot of "young" wall street guys cashed out a while back and settled there. They now live like kings. Argentina has its own issues - inflation. Then there are social/class issues.
Did you ever hear about one of the Bush twins being robbed in Argentina?
Bush daughter robbed in Argentina
 
Can you live $10 k a year in low-cost areas?
 
You know, I know better than that. This is what I should have answered. If you learn to live like a middle class local, you probably could. But like owlegrad said, why would you want to? You're making the move so that your dollar goes a longer way. Some of these expats refuse to move back to the US because here, they would not be able to have a personal chef, or two live-in housekeepers.

Here's a good chart I just found.
Costa Rica Minimum Labor Wage Scale for 2017

upload_2018-5-8_19-28-42.png

upload_2018-5-8_19-29-2.png


We would be "licentiate Degree" - I guess they mean professionals with licensure. You can see here how you would be well above the minimum wage for the highest level of education if as a retiree, all you had was $2000 US dollars/ month from social security. That gets you nothing in the US.
 
I am planning to retire abroad and I been a pharmacist since 2014. I been planning for many months because there are many issues with visa, taxes, safety, money, and lots of things. If you can speak the language you can retire in many countries if you have $400,000 or more.
 
forteo said:
Can you live $10 k a year in low-cost areas?
Click to expand...

I feel like I could make that happen in an area near my hometown. That's like the secret last resort plan if everything else in my life falls apart.
 
gwarm01 said:
I feel like I could make that happen in an area near my hometown. That's like the secret last resort plan if everything else in my life falls apart.
Click to expand...

You could, but as others have mentioned, you wouldn’t get anywhere near the level of comfort that you would enjoy in a lower income country.
 
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