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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 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.

I’ve been looking into this, and there are some really affordable places where you can live comfortably on just your Social Security.

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.

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

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.

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 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.

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 have to give you a well deserved credit for covering the tax ramifications of these countries. Most, if not all of the other KZfaqrs 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!

We spend our summers in northern Wisconsin and our winters in the twin cities Minnesota. During the winter we decide to go south to see other warmer places like North Carolina or Texas or place in between

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.

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.

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...

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 🙏👍👍

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.

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.

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!

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.

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.

Talk about the bugs situation in Argentina

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 ❤

Water! I'm surprised at how few people are discussing this. Even a quick search on KZfaq 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 🙏

Another great thing about Malta is easy and inexpensive air access to much of Europe, London in particular. With a little planning travel between Malta and the US is both faster and less expensive than most of South America!

Wherever you are retiring to... I'm there😂

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.

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.

Honestly I live in the United States on lless than 2000 a month.

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. 😂

I have a big crush on this girl. She is quite pretty and I like the elegant way she speaks

I heard SSI stopped payment if you leave the country more than 90 days It's not only about low cost living but most important is Safety

Clean, clear and concise breakdown. Kristin is brilliant as always!

Phillipines cost $2000 per month for most expats; not under 1k.

As a Belizean living in the US, I really don’t think Belize cost of living is low… The dollar says two for one, but it will work for you if you live as the local. Living your American lifestyle on social would be a challenge as well… I would differ also with the rent prices, much higher…

Remember with Belize there's two seasons hot and sticky and super hot and super sticky.

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.

Lots of good information Kristin. Its right up my alley. Thanks for putting this together.

Scandic Resort is beachfront Appartment with sunshine.

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

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.

I'm from South America and there's a lot of corruption and economic instability. Also, it's not very safe.

I'm from the U.S. and retired in the Philippines in February 2022. It was easier to transition because many people speak English here. I moved to Cebu City which has many major hospitals, Universities, Malls, etc. My family of four are doing very well here. However, I would not recommend anyone come here with only $1,000 a month income. There are many costs -- housing, food, internet, utilities, medical costs, transportation, Visa Renewal, etc. What if you are single and get a Girlfriends-- more costs. U.S. Medicare does not work outside the U.S., so you have to self-insure or buy expensive medical insurance. You can find some place to live for $250 - $300 a month, but it may not be fun. It may not have A/C, only two rooms, not a great location or neighborhood. Many foreigners here end up out in the street with no money for an airline ticket home. You would need more money to live here -- and most other places.

Thank you for sharing. Kuala Lumpur, Malaysia, has fantastic medical care, lower rent, and highly inexpensive food costs. You can have a complete body check-up and scans with results on the same day. Most everyone speaks English.

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!

i would only Move to Countries that their language is Spanish or English, i don't want to learn a new language .............. i'm glad i learned How to Speak English But it was very Hard For me and i don't want to go thru that again

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!

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.

I live in the Philippines and can confirm what you said about the friendliness of the locals!

I can't believe it took me awhile to realize this, but I really need a place that has a decent sized English-speaking expat community and/or a place where I am willing to learn the language. I am in Warsaw Poland for a little while and the English-speaking expat community is too small, people don't speak great English (even though everyone will tell you all the young people know English; when they don't). I definitely don't want to learn Polish. It can be lonely and isolating without that expat community or knowing the language.

Another nice list, Kristin. I was hoping you would include Portugal. It's another affordable European country with good health care. The southern part of the country, the Algarve, has a lot of English expats so English is spoken there as well.

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.

HuaHin Thailand is a retirement city. Affordable, high quality living. Large expat community.

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.

Lots of good research -- thanks!

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.

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

Belize is my #1 choice for now ❤

Great video, as usual, I do love all of your videos. I've thought about Albania alot and I would love to see a new comprehensive video about this country and traveling around the Balkans

Keep those videos coming, Kristin. I can't get enough of them :D

WOW! This one was reeeeeallly good. Thank you so much. I will be reaching out.

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

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.

This content is perfect for expats! Watching from Costa Rica and really enjoying the advice.

Yes! The Philippines 🇵🇭 English speaking and friendly people. Nice white beaches, mountains to hike, waterfalls to jump😊advanced medical facilities in big cities, low costs of living

Excellent content for me. Really enjoying this series on affordable locations for those of us thinking of moving abroad and saving money.

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.😊

You're doing some damage by telling your viewers the cost of living in the Philippines is 500 per month. If you want to eat only rice while living in hut in the woods I guess its possible.

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!

Remember in Peru whichever of the major cities you choose you are far far away from absolutely every major city in the world. For example from Lima it's either Santiago Chile Buenos Aires San Paulo Brazil nothing is close by.

Hello Kristin from Lima. Great video , it was a surprised to see Peru as N° 1 . A guy as Travel-Insider had a good video about living in Lima for several months. Maybe ,just maybe an interview with him could shed more light about Peru.

Since the target audience are retirees, I think equal, if not, greater emphasis should be given to the type and cost of healthcare that will be available in all the recommended countries. In so doing, the audience will get a clearer picture of what to expect in terms of the quality and cost of healthcare and the distance and time that need to be dealt when needing care. In the Philippines, private care will require pre- payment before you will get medical care. Medicare does not cover overseas healthcare so you are on your own. Adequately equipped public hospitals are only in the big cities and a hit or miss clinics if you are in remote islands. If you need advanced care, stay in the US.

Great video Kristin. I was hoping to see Malaysia on the list, but I guess it's getting expensive there.

1. Peru 2. Albania 3. Malta 4. Philippines 5. Paraguay 6. Uruguay 7. Thailand 8. Belize 9. Argentina 10. Indonesia

Love your videos and the detailed information which you present with such a calming voice that it makes it all seem possible!

Great video very nice, thank you. Keep up the great work. Have fun.

what are your thoughts about Panama? I was impressed how safe and welcoming this country is. The real estate, hotels and services are superior to US in my opinion. What are your thoughts and what you didn’t like there?

Kristin, youre awesome. I love that you added Dave's testimony❤❤

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!

My list: Costa Rica, Brazil, Belize, and Bali. Costa Rica/Belize my first option due to the nice weather and proximity to the USA.

Philippines nice beaches most people very nice but so many thieves so little time.

Thank you Kristin for this excellent video. This is the best you have done. FYI, I live in Thailand and next video your info about Thailand, especially the tax information, will need to be updated.

You make great videos. but your info re prices are very off.

Hi Kristin! We recommend over $1,000 to $2,000 for the Philippines to live comfortably.

Another great and informative video , thanks .

Awesome video. Didn’t know Peru was “known for its culinary excellence” 🤔 And according to me, Panama 🇵🇦 is the “Switzerland of Latin America” 🇨🇭 But perhaps Bukele or Milei is going to change that… 🤷‍♂️

I’m intrigued about Peru. It should be in my bucket list. ✅

I just found your channel and loved this video! So informative. Thank you for sharing!

great info sis 👍

Great list thank you for sharing

Hi Kristin. What is the source for the Healthcare rankings? I searched online and you get all kinds of different rankings on various websites.

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 😂

Thanks for the info 🙏

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.

Interesting information

Of these two, I would either pick Uruguay or Thailand.

Good job on giving detailed info at the end of each location. Not sure I would agree with Peru as your #1 pick , as I would not even consider Peru....but to each his own.

You have me very curious about Malta w/ the copious amounts of sunshine. Not sure about the lack of nature though. Great resource video for my upcoming travel planning.

Wow and Malaysia?