10 Retirement Visas with Low Income Requirements

Have you ever dreamed of retiring in an exotic location where the cost of living is so low you could enjoy a lavish lifestyle for a fraction of what you’d spend back home?

In a previous article, we explored 10 countries where you could live on less than $1,000/month. However, some of you commented that these countries often have retirement visa income requirements that are higher than $1,000.

So, in this article, you’re going to read about 10 countries with affordable retirement visas, having income requirements of $1350 or less per month, and several are under $1000/month! Plus, none require a hefty deposit into a local bank.

Keep in mind that these visa requirements often fluctuate. They may have changed already! The income requirements also vary based on currency exchange rates, which fluctuate quite a bit.

We highly recommend working with an immigration attorney who’s up-to-date with all the latest laws and can assist you in navigating the process.

Watch Our Video About 10 Cheap Retirement Visas

Common Visa Requirements

Before we delve into the details of the 10 countries, there are seven common requirements for most of these visas.

You’re going to need:

  1. A valid birth certificate
  2. A passport valid for at least six months beyond your intended stay
  3. Federal criminal background checks, state police reports, and possibly background checks in your new home country
  4. Proof of funds, typically in the form of bank statements or income statements
  5. Potential proof of health insurance that’s valid in the new country
  6. Potential taxation on your global income, including social security (consult with a qualified tax professional before committing to any country)
  7. Translation of your documents into the local language plus an apostille or legal certification

Each country has slightly different requirements so do your research and check with a local visa agent for the specifics.

10 Countries With Cheap Retirement Visas

Now, let’s explore the ten countries offering affordable retirement visas, starting with the highest income requirement and moving to the lowest.

#10 Ecuador

Parque Calderon in Cuenca EcuadorThe Ecuadorian Pensioner Visa requires a monthly income of at least three times the monthly minimum wage, which currently stands at $450. So, you’d need a monthly income of at least $1350.

The visa is fairly easy to acquire and valid for two years. Plus, Ecuador doesn’t tax social security income, unlike some other countries.

If you have a university degree, you might qualify for the Professional Visa, which doesn’t have any income requirement.

See Also: Ecuador Temporary Resident Visas

Why Ecuador?

Ecuador is a paradise for retirees, thanks to its stable weather, low cost of living, and excellent healthcare system.

The country’s economy operates on the U.S. dollar, which eliminates currency conversion hassles and offers more stability. There’s no hyperinflation like some of the other countries on this list.

Ecuador’s varied landscape, ranging from the Amazon rainforest to Andean highlands and the wildlife-rich Galápagos Islands, is simply captivating.

See Also:

#9 Paraguay

Aerial view of a church in Villarrica Paraguay.Paraguay offers a Pension-Based Temporary Residency Visa. You’ll need to demonstrate that you receive at least 100 times the current minimum wage or about $1300/month.

The visa is valid for two years, and there’s no physical presence requirement. However, you’ll need to go to Paraguay to get the visa and to renew or convert it to permanent before the 2-year expiration so you’ll need to plan a couple of trips.

Why Paraguay?

Known for its safety, Paraguay is one of Latin America’s more secure countries.

Its capital, Asunción, is a colonial city with a European vibe. The country boasts a myriad of natural attractions, including lakes, forests, waterfalls, and wetlands.

Plus, Paraguay isn’t overrun with tourists, offering a peaceful lifestyle amidst nature. It’s about the geographical size of Germany but with about 10% of the population.

#8 Guatemala

Colorful street view of Antigua City Guatemala with a volcano in the background.The Guatemalan Pensionado visa requires you to be retired in your home country and you must be able to prove a monthly income of at least $1250.

This visa is valid for five years, during which you can be out of the country for up to one consecutive year.

Why Guatemala?

Guatemala is the “land of many trees,” with over a third of the country covered by forests. Its biodiversity, jungles, lakes, black sand beaches, and incredible scenery offer retirees a tranquil life close to nature.

The country’s rich Mayan culture and affordable cost of living add to its appeal.

#7 Nicaragua

Yellow and white colonial style building in Granada Nicaragua.In Nicaragua, the Pensionado visa requires proof of $1250/month income.

The minimum age to apply is just 45 years old, and the visa is valid for one year, renewable for an additional two.

Why Nicaragua?

Nicaragua is a nature lover’s paradise with 78 reserves, parks, and wildlife sanctuaries. The country is known for its stunning rivers, lakes, and colonial cities.

Add to this mix the world-class surfing opportunities and affordability, and you have a compelling retirement destination.

#6 Panama

Aerial skyline view of modern buildings in Panama City Panama.The Pensionado Visa in Panama requires proof of a monthly income of at least $1,000.

This visa is permanent, so you never need to reapply once you’ve got it.

Why Panama?

Panama offers direct flights to the U.S., making it a convenient location for retirees with family back home.

Known for bird-watching, Panama has lush forests that invite you to reconnect with nature.

With beautiful beaches and the use of the U.S. dollar as its currency, Panama presents a hassle-free and serene retirement.

#5 Costa Rica

Picturesque waterfall in La Fortuna Costa Rica.Costa Rica’s Pensionado Visa mandates a letter from your bank stating you have a monthly pension or retirement income of at least $1,000.

The visa is valid for two years, and you must be present in Costa Rica for at least one day per year.

Why Costa Rica?

Costa Rica’s laid-back lifestyle, famously called “pura vida,” is perfect for a relaxed retirement.

The country is a nature lover’s paradise with stunning beaches and rich jungles.

Plus, direct flights to the U.S. make travel back and forth easy and convenient.

#4 Peru

Llama photobombing a picture of Machu Picchu Peru.Peru offers the Rentista visa for retirees, where you need to prove a minimum monthly income of $1000. It must be from a pension or social security; rental income, interest, dividends, etc. do not qualify.

The visa is indefinite, but you have to spend at least six months each year in Peru.

Why Peru?

Peru offers retirees a glimpse into rich history and culture, with attractions like Machu Picchu.

With 28 individual climates, there’s a spot for every retiree, whether you prefer mountains or beaches.

Peru’s world-renowned cuisine and low cost of living make it an ideal retirement haven.

#3 Colombia

Skyline view of modern buildings surrounded by trees in Medellin Colombia.Colombia’s Retirement M Visa requires 3x the monthly minimum salary, which currently equals around $900/month.

The visa is valid for three years, and you can be absent for up to six months.

Why Colombia?

Colombia is a warm and friendly country known for its festive culture and mouth-watering cuisine.

With a wealth of biodiversity, the country has attractions ranging from mountain ranges to the Caribbean and Pacific coasts, along with dense jungles. If you’re a birdwatcher, this is the place to be!

See Also:

#2 Cambodia

Angkor Wat Cambodia with a perfect reflection in the nearby lake.Cambodia’s new retirement visa, the ER visa, requires a monthly pension or retirement income of at least $800.

The visa is valid for one year and can be renewed, but you can only be out of the country for a total of 90 days per year.

Why Cambodia?

Cambodia, known as the “Kingdom of Wonder,” boasts incredible history, culture, and natural beauty.

The country is home to wonderful markets, delicious food, and friendly people.

From the mystic ruins of Angkor Wat to the bustling city life of Phnom Penh, Cambodia has something for every retiree.

#1 Bulgaria

Colorful aerial view of a resort on the Black Sea in Arkutino Bulgaria.Bulgaria’s Pensioner D visa requires a monthly pension or retirement income of at least 700 Bulgarian Lev (around $400 at the current exchange rate).

The visa is valid for one year and is renewable, and you can be away for up to six months each year.

Why Bulgaria?

Bulgaria is affordable and safe, ranking 30th on the Global Peace Index.

The country’s rich history, diverse culture, and great location in Southeastern Europe make it an attractive retirement destination.

Whether it’s the golden sands of the Black Sea coast, the grandeur of the Bulgarian Revival houses, or the snow-capped peaks of the Rila Mountains, Bulgaria has a beauty that captivates.

Final Thoughts…

There are certainly more countries offering retirement visas, but these ten are among the most affordable options we’ve found, without the requirement of a large deposit into a local bank.

Do note that these requirements are subject to change, so we recommend doing your research and contacting a local immigration attorney for the most current info.

Each of these ten countries has its unique charm and appeal, offering affordable retirement options that cater to diverse preferences.

So, pick the one that resonates most with your retirement dreams, and embark on your next exciting life chapter!

See Also:

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10 Countries with Great Weather: From Mountains to Beaches, There’s a Perfect Place for Everyone!

They say records are meant to be broken, but I don’t think “they” were talking about temperatures.

The United States is experiencing the worst heatwave on record, as is much of Europe and Asia. Records are being broken daily in many countries around the world, but there are a few places where it’s still nice and cool, even when they break records.

In this video, you’ll learn about 10 countries that have great weather and cooler overall temps throughout the year than the US and southern Europe. Several have 4 seasons, but others have mostly the same cool temperatures year-round.

You can get a 90-day tourist visa to wait out the hot summer in all 10, and you can apply for residency in several so you can stay longer if you wish.

You don’t have to suffer through the heat. You can escape to better places!

Perfect Places if You Love Four Seasons

If you still prefer 4 seasons and don’t mind cold winters, these first 5 countries are for you.

#10 Chile

Santiago Chile

Chile, a long and narrow country stretching along South America’s western edge, is a destination with an incredible variety of landscapes and climates.

With over six thousand kilometers of Pacific Ocean shoreline, Chile has everything from the driest desert in the north to the icy expanses of Patagonia in the south, including the Chilean Antarctic.

Visitors to Chile can explore the mountainous Andes, enjoy the Mediterranean climate of Santiago, or embark on outdoor adventures such as hiking, skiing, and relaxing on beautiful beaches.

Santiago, the country’s modern capital, remains cool during the North American summer, with temperatures in the 50s and 60s (around 10-15 C).

Chile’s diverse geography is matched by its reputation as one of South America’s safest countries, making it highly popular with tourists.

One unique experience to be had is visiting Isla Magdalena, where you can see penguins, or trekking through the iconic Torres Del Paine National Park for breathtaking views.

Beyond the natural beauty, the cost of living in Chile is relatively low, and the water quality is excellent for drinking. These factors combine to make Chile not just a place for short-term exploration but a viable option for those considering a longer stay.

From its vibrant cities to its diverse ecosystems, Chile offers an unforgettable experience that draws travelers from all over the world. Whether you’re seeking adventure in the Andes or relaxation on the Pacific beaches, Chile provides endless opportunities for exploration and enjoyment.

#9 Uruguay

Montevideo Uruguay

Uruguay, a South American country known for its vibrant culture and high-quality lifestyle, enjoys four distinct seasons, though they are not as extreme as in some other countries. Winters in Uruguay are mild and don’t get cold enough for snow.

During the North American summers, temperatures in Montevideo, the capital city, are refreshingly cool, ranging in the 50s and 60s (around 10-15 C). This makes it a perfect destination for those looking to escape the heat.

Uruguay is well-regarded for its tranquility, affordable healthcare, and “live and let live” mentality. It has even taken progressive steps in recent years, such as legalizing marijuana. This creates a unique atmosphere that many foreign residents and tourists find appealing.

The country’s art, culture, and history are diverse and fascinating. From exploring the eclectic streets of Montevideo to relaxing on the beautiful beaches of Punta del Este, Uruguay offers a rich experience for all visitors.

The relatively low cost of living, combined with a high quality of life, makes Uruguay a popular destination, whether for a summer getaway or a more extended stay.

#8 Ireland

Kinsale Ireland

Ireland, affectionately known as the Emerald Isle due to its lush greenery, enjoys a climate of four milder seasons.

The hottest month in Dublin is July, with temperatures in the 60s (around 15-20 C), while in the south, Cork experiences slightly warmer temperatures in the 70s (around 21-26 C).

Though it does snow in winter, the snowfall in Ireland is seldom heavy. The country’s weather is often gray and rainy, which lends to the lush landscapes that have made Ireland famous.

Beyond its weather, Ireland is a land filled with rich folklore, culture, modern cities, and incredible scenery.

Whether you’re seeking to kiss the Blarney Stone, a legendary act that bestows the kisser with eloquence and skill at flattery, or enjoy the thriving arts scene in cities like Galway, Ireland offers a blend of myth and modernity.

Though the cost of living can be on the higher side, the quality of life and the warmth of the Irish people make Ireland a highly popular destination with expats.

From the rugged cliffs of Moher to the bustling streets of Dublin, Ireland’s charm lies in its vibrant culture, historical landmarks, and breathtaking landscapes that offer a unique and enchanting experience for all who visit.

#7 Germany

Rostock GermanyGermany, a country renowned for its cultural heritage and natural beauty, experiences four distinct seasons, with winters that can be particularly cold.

Summer, on the other hand, provides a cool and pleasant escape. Visitors can take advantage of the average temperatures in the 70s F (around 21-26 C) in Berlin, making it an ideal time to explore the bustling capital.

Germany’s reputation for safety and structure extends to its excellent healthcare system, making it a comfortable destination for travelers.

Outdoor enthusiasts can enjoy activities year-round, from hiking in the Black Forest to skiing in the Bavarian Alps.

Known for its rich culinary traditions, including a variety of foods, beers, and wines, Germany offers something for every palate.

The country is also famous for its contributions to classical music, literature, and art, with iconic figures like Beethoven and the Brothers Grimm hailing from this country.

Whether you’re taking a scenic drive along the Romantic Road, exploring historic castles, or enjoying Oktoberfest in Munich, Germany’s blend of modernity and tradition makes it a captivating destination.

The blend of cultural festivals, natural landscapes, and historical sites offers a rich and varied experience that appeals to a wide range of travelers.

#6 Czech Republic

Prague Czech Republic

The Czech Republic, a landlocked country in Central Europe, offers a blend of modernity and history that is appealing to both tourists and expats.

With all four seasons, the Czech Republic can have harsh winters with temperatures dipping below zero (-15 C), while summers in Prague are moderate with temperatures in the 70s (around 21-26 C).

What makes the Czech Republic stand out is its excellent public transport system, allowing easy and cheap travel within the country. This accessibility opens the door to explore beautiful parks, mountains, the rich history of cities like Prague, and the many other hidden gems scattered throughout the country.

Attractions such as Podyji National Park, with its ice caves, vineyards, incredible views, and medieval ruins, are a must-see.

Prague Castle is another significant landmark. It’s almost a thousand years old and one of the largest in terms of area.

The cost of living in the Czech Republic is also attractive, averaging around $2,000 per month per person. This affordability, coupled with the country’s rich cultural heritage, stunning architecture, and vibrant art scene, makes the Czech Republic a compelling destination for anyone looking to immerse themselves in Central European charm.

Whether you’re exploring the ancient streets of Prague or hiking in the scenic countryside, the Czech Republic offers a diverse and enriching experience.

Countries for Mountain and Beach Lovers

If you want both the mountains and the beach, consider these 2 countries (although, the mountains will be cooler).

#5 Mexico

San Miguel de Allende Mexico

Mexico, often thought of as a destination to escape the cold winters of North America, has much more to offer than just its beautiful beaches.

Along with its tropical coastline, Mexico is home to a variety of mountain towns, where temperatures often linger in the pleasant 70s and 80s (around 21-27 C).

Cities like Lake Chapala and Ajijic, elevated at 5000 feet (1500 meters), and the colonial cities of Guanajuato (6600 feet / 2000 meters) and San Miguel de Allende (6200 feet / 1900 meters), offer cooler climates. Their locations, close to major urban areas like Guadalajara and Mexico City, provide convenient access to more bustling locales.

Mexico is not just about its climate. It’s a country rich in history and culture, with large and welcoming expat communities. The affordability of living in Mexico adds to its allure, with many tourists finding themselves tempted to extend their stays.

Whether you’re exploring ancient Mayan ruins, enjoying vibrant street festivals, or relaxing in a mountain town with a local cup of coffee, Mexico offers a multifaceted experience. From the coastal beauty of Cancún to the artistic charm of Mexico City, every visitor can find something to love in this diverse and enchanting country.

#4 Panama

Boquete Panama

Panama, a country known for its tropical allure, offers a climate that is divided into two primary seasons: wet and dry.

While the coastal areas can get hot, the mountain towns provide a moderate refuge during the summer with temperatures often in the 70s (around 21-26 C).

One such town, Boquete, is very popular with both tourists and expats. While rainier during the summer months, it doesn’t rain all the time, and the rainiest months are typically September and October.

Panama’s appeal goes beyond its weather. With a variety of visa options and an overall affordable cost of living, it’s a welcoming destination for both short-term visitors and those looking to settle down.

Whether you’re drawn to Panama’s stunning beaches, lush rainforests, or vibrant urban areas, you’ll find plenty to explore.

From the cosmopolitan Panama City with its iconic canal to the serene islands of Bocas del Toro, Panama offers a rich blend of cultures and environments.

Its unique combination of natural beauty, modern infrastructure, and friendly locals make it a standout destination for those seeking both adventure and relaxation.

Countries with Spring Temperatures All Year

Want to enjoy spring temperatures year-round? Spend your hot summer months in the Andes mountains of these 3 countries.

#3 Colombia

Medellin Colombia

Colombia, the second-most biodiverse country in the world, offers a range of climates and landscapes that has something for everyone.

Whether you prefer large, modern cities or small, intimate towns, Colombia’s mountains and beaches on both the Pacific and Caribbean coasts are sure to captivate.

The weather in Colombia is varied, with great weather in cities like Bogota & Medellin, where summer temperatures range in the 60s to low 80s (around 15-27 C).

Though it can get rainy in the mountains and humid on the coast, the overall climate is appealing and affords many opportunities for exploration.

Colombia is also known for its affordability. The pensioner visa, for example, has a low monthly income requirement, making residency an option for many.

Whether you’re wandering through the historic streets of Cartagena, dancing to the rhythms of salsa in Cali, or exploring the lush coffee plantations in the Coffee Triangle, Colombia’s rich culture and diverse landscapes offer a vibrant and colorful experience.

Colombia’s transformation over the past few decades has turned it into a sought-after tourist destination. With friendly locals, delicious cuisine, and breathtaking natural beauty, from the Amazon Rainforest to the Andean peaks, Colombia is a country that invites visitors to discover its many hidden treasures.

#2 Ecuador

Cuenca EcuadorEcuador, a country known for its diverse ecosystems and two distinct seasons – wet and dry, offers an “eternal spring” in the mountain regions of Cuenca, Cotacacchi, Loja, Vilcabamba, Baños, and Quito. While it can be rainy in spring and summer, there’s often more sunshine, brightening up the lush landscapes.

In the capital city of Quito, the high elevation can cause the weather to feel surprisingly cold during the winter. What’s attractive about Ecuador’s climate, especially in the mountainous regions, is the lack of need for air conditioning or heating, thanks to the consistent and moderate temperatures.

Ecuador’s weather isn’t its only appeal. The country also has a variety of visas that make it easy to get residency. With breathtaking mountain vistas and rich cultural heritage, Ecuador has something to offer every traveler, from adventure seekers to those looking for a serene and affordable retirement destination.

Whether exploring the Amazon rainforest or walking through the historic streets of Cuenca, you’ll find a welcoming atmosphere and a variety of experiences to enjoy.

#1 Peru

Cusco PeruPeru offers a climate similar to Ecuador but with its own unique charm and attractions.

Lima, the coastal capital, provides a comfortable escape during the North American summer months, with temperatures resting in the 80s F (25 to 30 C). Nights in Lima are cool during the summer, offering a respite from the day’s warmth. However, visitors should be aware that it can also be foggy during this time, corresponding with Peru’s winter months.

In the more elevated regions of the country, such as Cuzco and the world-renowned Machu Picchu, the weather is dry from June to September, and temperatures hover around the 70s F (22 C). Due to the high elevation, the sun can feel intense, making it feel much warmer than the temperature would suggest. While this period marks the dry season in Peru, unexpected heavy rain is not uncommon, so travelers should be prepared.

One of the greatest attractions to Peru, aside from its rich cultural history and stunning landscapes, is its affordability. As the most budget-friendly option among the listed countries, Peru is an enticing destination for those looking to escape the heat without breaking the bank.

Whether you’re exploring ancient Incan ruins or enjoying the vibrant city life in Lima, Peru offers a wide range of experiences for every traveler.

Final Thoughts…

There is no need to suffer through a hot summer or cold winter when so many countries offer incredible weather and lifestyle options.

From Chile’s diverse climates to Peru’s affordable living, there’s sure to be a place that fits your preferences.

Pack your bags with cool weather clothes and explore these amazing destinations!

Watch Our Video About Countries w/ the Best Weather

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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Safest Countries in Latin America for 2023

We get a lot of questions about safety abroad so we’re going to talk about the most popular countries in Latin America for foreign residents and discuss how safe they really are, from worst to first.

It’s important to note that safety can vary within a country, and certain regions or cities may be safer or more dangerous than others. While news reports often exaggerate the overall safety situation in a country, it is crucial to consider specific locations and local conditions.

So, let’s dive into the rankings of the most popular countries in Latin America for foreign residents, based on the 2023 Global Peace Index and the US State Department Travel Advisories.

Watch Our Video About the Safest Countries in Latin America

Ranking of Safest Countries in Latin America

Here are the safest countries in Latin America for 2023 ranked from worst to first:

#18 Venezuela

Venezuela holds the unfortunate position of being the least safe country in Latin America. With a global rank of #140 and a level 4 travel advisory (“do not travel”), it faces significant security challenges and hyperinflation.

#17 Colombia

Colombia shares the same global rank as Venezuela at #140 on the Global Peace Index. The US State Department currently has a Level 3 Travel Advisory, meaning reconsider travel plans to Colombia due to increased crime, kidnappings, protests, and anger directed at digital nomads.

Common crimes include moto robberies, muggings, purse snatching, and pickpocketing.

While safety has improved since the 1980s, Colombia remains the largest producer of cocaine and drug trafficking a persistent issue.

It is advisable to avoid the areas bordering Venezuela and Ecuador, where drug trafficking activities are more prevalent.

#16 Mexico

Ranked at #136 on the Global Peace Index, Mexico’s safety situation varies significantly depending on the region. The US State Department issues travel advisories by state within Mexico due to this disparity.

While tourist areas are generally safe, petty crimes like pickpocketing and bag snatching are common. More serious concerns, such as drug-related violence and gang activity, are concentrated in specific areas.

In Mexico City, neighborhoods like Polanco, La Condesa, Roma Sur, and Roma Norte offer a relatively safe experience. Playa Del Carmen and Mérida are also regarded as safe places to visit.

#15 Belize

While Belize is not listed in the rankings, its safety situation is similar to that of Mexico, with a comparable murder rate. The country currently has a Level 2 Travel Advisory, indicating the need for increased caution.

Crime has seen an increase, particularly in gang-related violent activities. To stay safe, it is recommended to avoid the south side of Belize City and opt for safer places like Corozal and San Pedro.

Belize is not technically considered part of Latin America because the official language is English. However, it’s a popular destination for expats and it’s surrounded by Latin American countries so we decided to include it in our list.

#14 Brazil

With a rank of #132 on the Global Peace Index and a Level 2 Travel Advisory, Brazil faces challenges related to theft, robberies, gang violence, and murders, particularly in cities like Rio de Janeiro and São Paulo.

Brazil holds the unfortunate distinction of having the highest total gun deaths per year globally (the only country with more total gun deaths than the United States).

It is advisable to avoid the favelas (informal housing developments) and exercise extra caution in red-light districts. However, cities like Florianópolis and Belo Horizonte offer comparatively safer experiences.

#13 Nicaragua

Nicaragua ranks #123 on the Global Peace Index and carries a Level 3 Travel Advisory. Limited healthcare availability and arbitrary enforcement of laws contribute to this advisory.

While crime and wrongful detentions are concerns, places like Granada and Leon are relatively safe.

We often receive messages from expats living in Nicaragua who appreciate its low cost of living, natural beauty, and laid-back lifestyle, and they challenge the notion that the entire country is dangerous.

#12 El Salvador

El Salvador ranks #122 on the Global Peace Index, and it has made significant strides in improving its safety situation. However, the US State Department still has it at a Level 3 Travel Advisory – reconsider travel.

The authorities in El Salvador have the power to arrest individuals suspected of gang activity without cause, which has led to concerns regarding personal freedoms. The right to a speedy trial is no longer guaranteed.

Harsh prison conditions and reports of arbitrary arrests further contribute to the travel advisory. Freedom of speech is also questionable, emphasizing the need for careful consideration of one’s words when discussing the government.

It’s too soon to tell what the long-term ramifications are to the more authoritarian approach to crime in El Salvador, but 9 out 0f 10 El Salvadorians approve of the measures taken by the president to make the country safer.

Just a few years ago, El Salvador had the highest murder rate in the world so it’s easy to see why the people are happy with the changes.

#11 Honduras

Ranked at #120 on the Global Peace Index with a Level 3 Travel Advisory, Honduras faces common issues such as violent crime, including homicide, armed robbery, and kidnapping. Violent gang activities, extortion, rape, and drug and human trafficking are widespread.

I’ve been to Roatán Island twice and felt very safe there. However, cities on the mainland present different safety challenges.

#10 Guatemala

Guatemala ranks #103 on the Global Peace Index and has a Level 3 Travel Advisory.

It is important to exercise caution due to the prevalence of violent crimes such as extortion, murder, armed robbery, carjacking, drug trafficking, and gang violence.

Certain parts of the country should be avoided altogether for safety reasons.

#9 Peru

Tied with Guatemala at #103 but with a Level 2 Travel Advisory, Peru faces street crime issues like muggings and theft, particularly in tourist areas. Reports of credit card fraud, express kidnappings, and carjackings have also been noted.

Political unrest has affected the country in recent times, causing temporary disruptions to tourism activities.

However, areas like Cusco and the neighborhood of Miraflores in Lima are generally safe and offer rich cultural experiences.

#8 Ecuador

Ecuador’s safety ranking dropped from 79 to 97 on the Global Peace Index this year due to increased crime since the pandemic and political turmoil. The US State Department has assigned a Level 2 Travel Advisory for the country, while certain areas carry level 3 or 4 advisories.

Petty theft, pickpocketing, and more serious crimes such as robbery, assault, home invasions, and express kidnappings have been reported.

Most murders in Ecuador are linked to drug and gang activities, with domestic femicides also being a concern.

Expats generally feel safe in many parts of the country, particularly in areas like Cuenca, Cotacachi, Baños, Mindo and Loja.

#7 Bolivia

Ranked at #78 with a Level 2 Travel Advisory, Bolivia’s main concern revolves around civil unrest and frequent protests.

While it is a beautiful country, the process of obtaining a long-term visa can be challenging.

#6 Panama

Panama ranks #68 on the Global Peace Index and holds a Level 2 Travel Advisory.

Petty crimes like pickpocketing and theft occur in urban areas, while more serious crimes like drug trafficking and gang violence are primarily limited to certain low-income neighborhoods.

It is advisable to avoid parts of the Mosquito Gulf and the Darién region due to safety concerns. Panama City, Coronado, and Boquete are recommended as safer choices.

#5 Paraguay

Tied with Panama at #68, but with a Level 1 Travel Advisory, Paraguay presents common crimes such as muggings, purse snatching, and pickpocketing.

Asunción and Concepción are safe and popular places for residents and visitors alike.

#4 Chile

Chile ranks #58 on the Global Peace Index and has a Level 2 Travel Advisory. While street crime, including muggings and theft, remains a concern, certain precautions can ensure a safe experience.

There have been occasional reports of express kidnappings, where victims are temporarily kidnapped and forced to withdraw funds from ATMs.

Santiago is very developed and diverse and has a lot of English speakers making it easier for tourists and new residents.

#3 Argentina

Argentina ranks #54 on the Global Peace Index and has a Level 1 Travel Advisory, reflecting a relatively safe environment.

While the country faces some challenges, such as street crime and petty theft in tourist areas, it is generally considered safe for visitors and foreign residents.

Buenos Aires, the capital city, offers vibrant cultural experiences, and neighborhoods like Palermo and Recoleta are known for their safety and charm.  Mendoza also is a popular choice.

#2 Uruguay

Uruguay holds the rank of #50 on the Global Peace Index and has a Level 2 Travel Advisory, making it one of the safest countries in Latin America.

With a low crime rate and a welcoming environment, Uruguay attracts expats and tourists alike.

Montevideo, the capital city, is known for its safety, and coastal towns like Punta del Este offer serene and secure experiences.

The country’s emphasis on social welfare, education, and political stability contributes to its overall safety.

#1 Costa Rica

Claiming the top spot as the safest country in Latin America, Costa Rica ranks at #39 on the Global Peace Index with a Level 2 Travel Advisory.

The country enjoys a stable political climate and a low crime rate compared to many of its regional counterparts. Petty theft, car break-ins, and purse snatching are common types of crime.

Known for its natural beauty and commitment to sustainability, Costa Rica has long been a popular destination for travelers seeking safety and adventure. Tamarindo and Puerto Viejo are considered safe, as are parts of San Jose.

Unfortunately drug trafficking has increased resulting in an increase of violent crime, including homicides. They’ve seen a spike, just like Ecuador.

Missing Countries

The definition of “Latin America” is not clearly defined and does not have a commonly accepted meaning. However, it generally refers to countries where the Romance Languages of Spanish and Portuguese are spoken. Some definitions also include French.

For the purpose of our analysis and knowing the interests of our audience, we decided to only include Spanish speaking countries, plus Brazil and Belize, in Central and South America, plus Mexico.

We’re saving the Caribbean Islands for a future list since several of the islands speak English and are not considered part of Latin America.

The official language in Suriname is Dutch, the official language in Guyana is English, and the official language in French Guiana is French, so we excluded those as well. They’re also not popular expat destinations for our audience.

Final Thoughts…

We live in one of these “unsafe” countries (Ecuador) and we’ve visited others (Mexico and Colombia), but we felt mostly safe in the areas we visited (although we did get Moto Robbed in Guadalajara, Mexico).

While some countries face significant challenges related to crime and social unrest, others have made commendable progress in ensuring security for residents and visitors.

It’s important to remember that these rankings provide a general overview and that safety can differ within specific regions or cities.

Whether you choose to explore Argentina, Uruguay, Costa Rica, or any other Latin American country, staying informed, taking precautions, and embracing cultural experiences will contribute to a memorable and secure journey.

Disclaimer: The Travel Advisories are current as of July 5, 2023. Please check with the US State Department for the most current information.

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Medellín vs Cuenca: Comparing Two Popular Expat Destinations in Latin America

Medellín, Colombia and Cuenca, Ecuador have become increasingly popular destinations for expats, digital nomads, and retirees.

Both cities offer a unique charm, vibrant cultures, and an array of attractions that cater to various lifestyles and preferences.

In this comprehensive blog post, you’ll learn about the many facets of living in these two amazing cities, including the pros and cons of each, comparing aspects such as living conditions, cost of living, infrastructure, and safety.

Hopefully, this will help you make an informed decision about which city might be the ideal destination for your next adventure or new home abroad.

Medellín, Colombia: A Jungle With a City In It

Medellín ColombiaMy first impression of Medellín, Colombia was that it’s a jungle with a city in it.

Medellín is nestled in the Andean mountains, but the elevation is low enough that it has lots of tall trees and tropical greenery, which provides an amazing backdrop for the bustling city life.

Pros of Medellín Colombia

Medellín is a fascinating blend of modern comforts and jungle-like surroundings. It has a lot of great things going for it, such as:

  • Scenic beauty: Surrounded by mountains and lush greenery, Medellín offers a stunning landscape.
  • Pleasant weather: With a year-round spring-like climate, Medellín is known as the “Land of Eternal Spring.”
  • Lower elevation: While still at 4,900 feet / 1,495 meters, it’s much lower than Cuenca so it’s warmer and the air is easier to breathe.
  • Vibrant culture: The city is known for its colorful murals and diverse population of Colombians and other South Americans, plus tourists, digital nomads, and expats from around the world.
  • Cleanliness: In the neighborhoods we visited, streets were well-maintained, and dogs were on leashes.
  • Modern infrastructure: Medellín has drinkable tap water and a wide variety of restaurants catering to all tastes and dietary needs.
  • Transportation: Affordable taxis, buses, and a metro system are available throughout the city, along with Uber.
  • International airport: Direct flights to some locations in the United States and other countries make Medellín easily accessible.
  • Affordability: Housing, food, and restaurant prices are comparable to Ecuador and much lower than the United States or Canada.
  • High-quality healthcare: Colombia is known for its excellent healthcare facilities and is consistently ranked high by CEOWorld Magazine.
  • Housing options: While high-rise living is popular in Medellín, townhomes and single-family homes are available if you’re willing to venture further out. Check out our Medellín Colombia Real Estate Tour for more about housing in Medellín.
  • Kaime Medellin ColombiaExcellent restaurants: We ate at a variety of amazing restaurants in the Zona Rosa tourist area of El Poblado. You’ll find everything from street vendors to high-end gourmet restaurants, and the prices are very affordable compared to the US.
  • Service culture: Compared to Ecuador, Colombia has a high-quality service culture. Restaurant servers, drivers, tour guides, cashiers, etc. are attentive and care about the quality of service you receive.

Cons of Medellín Colombia

We enjoyed our time in Medellín and plan to go back, but a few things make it less than perfect:

  • Crowded city: With a population of more than 2.5 million people, Medellín can feel quite congested.
  • Colombian Peso: Conversion rates may be tricky for those used to the US dollar and the value fluctuates a lot.
  • Heavy traffic: The city has heavy traffic and swarms of motorcycles, which might be concerning for some. After getting moto-robbed in Guadalajara, Mexico, the swarms of motorcycles had us constantly looking over our shoulders.
  • Safety concerns: Moto-robberies, pickpocketing, kidnapping, and other safety issues are a significant concern. It’s important to be cautious and avoid certain areas, especially at night. It’s also common for sex workers and Tinder daters to lure foreigners to a restaurant or hotel room where they are roofied and robbed.
  • Tax residency: Staying in Colombia for more than 183 days per year might make you a tax resident, so consult a tax professional before moving there long-term.
 

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Cuenca, Ecuador: A South American Gem

Cuenca Ecuador View from Mirador Turi

Cuenca, Ecuador is a charming UNESCO World Heritage city with a rich history and stunning architecture. Like Medellín, it is also known as the “Land of Eternal Spring” for its pleasant weather.

While much smaller and about 1,000 miles / 1,600 kilometers south of Medellín, Cuenca shares some similarities with its Colombian counterpart in terms of cost of living, quality of life, and available amenities.

However, they differ in population size, safety levels, and currency (Ecuador uses the US dollar).

Comparing these two cities is a valuable exercise for those considering a move to Latin America.

Pros of Cuenca Ecuador

Cuenca offers a slower pace of life, a welcoming expat community, and a unique blend of culture and nature that make it an attractive destination. It’s also much smaller than Medellín with a population of roughly 500,000 people.

Here are a few things we love about Cuenca:

  • Cuenca Ecuador New CathedralUNESCO World Heritage Site: Cuenca is rich in history and architecture, with Inca ruins right in the city.
  • Beautiful rivers and linear parks: The city has 4 rivers running through it, and numerous parks that offer scenic trails and relaxing spots to sit and read a book.
  • Land of Eternal Spring: Known for its mild temperatures, Cuenca offers pleasant weather throughout the year.
  • Walkable city: Most of the city can be explored on foot, with taxis required only occasionally for longer distances or heavy loads.
  • Incredible restaurants: Cuenca boasts a wide array of affordable, delicious, and beautifully plated food options. Check out Popular Expat Restaurants in Cuenca Ecuador for our recommendations.
  • Diverse expat community: The city is popular among retirees, families, and singles of all ages from around the world.
  • English speakers: Cuenca has a larger population of English speakers compared to Medellín, and a large number of Ecuadorians who speak English, making it easier for non-Spanish speakers to settle in.
  • Quality healthcare: Ecuador (especially Cuenca) is known for its excellent and affordable healthcare; CEOWorld Magazine consistently ranks it higher than the US. It’s easy to schedule appointments with high-quality medical professionals, and many speak English. Check out Our Ecuador Healthcare Experience for more details about healthcare in Ecuador, including costs and quality of care.
  • Affordable living: Housing prices in Cuenca are comparable to Medellín, with the overall cost of living being similar and about one-third of the cost in the United States.
  • Drinkable tap water: The tap water in Cuenca is safe to drink and tastes better than in Medellín (it’s not so heavily chlorinated)
  • Ecuador's Unique USD CoinsEcuador is on the US Dollar: The official currency in Ecuador is the US dollar, making it convenient for US American expats. It’s the exact same currency (except for a few special coins minted in 2000 that are not legal tender back in the US). Check out Money and Banking in Ecuador for more on this topic.
  • No tax on foreign income: Foreign residents do not pay tax on their foreign income, although it’s essential to consult a tax professional for accurate and up-to-date advice.
 

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Cons of Cuenca Ecuador

Like any place, Cuenca is not without its challenges:

  • High elevation: Cuenca is located at 8,400 feet / 2,560 meters above sea level (almost twice the elevation as Medellín), which can result in cooler temperatures and thinner air.
  • Limited international flights: While there is a semi-direct flight to Miami, Cuenca’s airport is small, and all international flights require a connection in Quito or Guayaquil.
  • Increased crime rates: Petty theft and robberies have become more common in Cuenca and throughout Ecuador, so it’s essential to be cautious.
  • Laid-back service quality: Ecuadorians have a more relaxed attitude toward service, which can be both a blessing and a challenge for expats adjusting to the local customs. At restaurants, you may need to find your server to take your order or bring the bill. And we often find that they deliver the courses in the reverse order (entree, appetizer and then drinks) so we have learned to order one thing at a time so we get things in the proper order.

Final Thoughts

Both Medellín and Cuenca are beautiful cities with their unique qualities.

Medellín may be better suited if you’re seeking a larger, modern city with great service, lower elevation, and direct flights to the US.

On the other hand, Cuenca might be the right choice if you prefer a smaller city with a slower pace of life, great restaurants, cooler temperatures, a higher safety level, and the convenience of spending in US dollars.

And remember, visiting each city before committing to a move is always the best way to get a true feel for what life there would be like.

Watch Our Video Comparing Medellín Colombia to Cuenca Ecuador

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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Best Expat Countries (According to Expats)

Every year, InterNations.org conducts a survey to see what current expats think about their home away from home. The results are tabulated and ranked to determine the Best Countries for Expats.

Most of the countries that made the top 10 expat country list shouldn’t be surprising, especially the number 1 country for expats, but a few might be considered controversial.

No countries from Central or South America made the list this year, which I thought was very surprising!

Best Expat Countries According To ExpatsBefore diving into the top 10, let’s take a quick look at the factors the survey considered:

  • Quality of life
  • Ease of settling in
  • Working abroad
  • Expat essentials, such as housing and language

Additionally, I’ll share rankings from the Vision of Humanity Global Peace Index and the CEO World Quality of Life Index & Healthcare Index as a sanity check for the InterNations survey.

Now, without further ado, let’s start with number 10!

#10 Singapore

Singapore might be a small island, but it packs a big punch. The country is expensive, but it has excellent education, is very clean, and has reliable public transportation and a variety of expats from all over the world.

English is widely spoken, and you can even watch your gold and other precious metals via a webcam after sto

ring it in one of Singapore’s many bank vaults.

Singapore ranks 19th on the CEO World Quality of Life Index and 24th for healthcare.

#9 Australia

Australia is an outdoor lover’s paradise with amazing wildlife, watersports, and the Great Barrier Reef.

Although it’s more expensive than other countries on this list, it has a strong economy and lots of job opportunities.

The education system is excellent, and you can easily settle in since English is the primary language.

Australia ranks 27th on the Global Peace Index, 17th for quality of life, and 6th for healthcare.

 

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#8 Thailand

Thailand is one of the most visited countries in the world and has an amazing history and culture. The cost of living is low, and the food is fantastic.

Bangkok, Phuket, Hua Hin, and Chiang Mai are popular with expats, and the country has some of the best hospitals in the world.

However, Thailand ranks 103rd on the Global Peace Index, 38th for quality of life, and 13th for healthcare.

#7 Vietnam

Vietnam has a sizable expat community, and the cost of living is low. It’s a safe country with a growing economy, and luxury rentals are affordable.

Da Nang, Hoi Chi Min, and Hanoi are popular with expats, and the infrastructure is improving.

Vietnam ranks 44th on the Global Peace Index, 62nd for quality of life, and 66th for healthcare.

#6 United Arab Emirates (UAE)

The United Arab Emirates is a stable and modern country with a wide variety of expats from all over the world. The cities are incredible, and the beaches are beautiful.

However, the cost of living is high, and it has a conservative culture with different laws than what you may be used to in your home country. Plus, the different emirates have different laws, so be careful!

The UAE ranks 60th on the Global Peace Index, 30th for quality of life, and 20th for healthcare.

#5 Spain

Spain is a European country with a laid-back vibe, history, and culture. However, it’s not as affordable as other Spanish-speaking countries, and petty crime can be a problem.

Madrid and Barcelona can be expensive, but areas such as Seville and Valencia are more affordable.

Spain ranks 29th on the Global Peace Index, 20th for quality of life, and 8th for healthcare.

#4 Portugal

Portugal is a popular choice to visit and relocate. It has a vibrant culture, history, and great food and wine.

The country is very affordable, but energy costs have increased, and housing has become more expensive in popular expat areas. Portugal has four seasons, and there are many outdoor activities to enjoy.

The country ranks 6th on the Global Peace Index, 23rd for quality of life, and 22nd for healthcare.

#3 Taiwan

Taipei is popular with expats, and there are more English speakers than in other parts of Taiwan. The people are friendly, and the infrastructure is solid, with a superior public transportation system.

However, the major cities are crowded, and there is more air pollution. The ongoing dispute with China over its sovereignty is also a major long-term safety concern.

Taiwan is ranked 20th on the Global Peace Index, 15th for quality of life, and has excellent healthcare, ranked 2nd in the world.

#2 Indonesia

Indonesia is the largest archipelago in the world, with five major islands and about 30 smaller groups of islands. It has a low cost of living, lots to do, and diverse wildlife.

The country is extremely popular with tourists because of its famous beaches, volcanoes, and islands such as Bali and Komodo Dragon island. However, Indonesia has a high level of pollution, and theft is an issue.

It ranks 47th on the Global Peace Index, 58th for quality of life, and 52nd for healthcare.

#1 Mexico

It should be no surprise that Mexico is the most popular country for worldwide expats again this year. It’s close to the US, making it an attractive choice for Americans who want a change of scenery but don’t want to be too far from home.

It is known for its rich culture, awesome beach destinations, and great food. Mexico has a slower pace, and the weather is fantastic with mountains and beaches.

The country is ranked 137th on the Global Peace Index, 46th for quality of life, and 29th for healthcare.

The US and Canada

Now, let’s take a quick look at how the US and Canada rank in terms of global peace, quality of life, and healthcare.

The US ranks 129th on the Global Peace Index, 16th for quality of life, and 30th for healthcare.

Canada ranks 12th on the Global Peace Index, 12th for quality of life, and 23rd for healthcare.

Final Thoughts

These are the top 10 expat countries for 2022, according to InterNations’ survey. It’s important to note that each country has its unique advantages and disadvantages, and what works for one person may not work for another.

Make sure to do your research and consider all the factors before making any decisions. And we HIGHLY recommend taking an exploratory trip before you move.

Watch Our Video About the Best Expat Countries

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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Are We Moving to Mexico? Comparing Mexico and Ecuador for Expats

Lately, we’ve been getting tons of questions asking if we’re moving to Mexico since we started sharing videos from our adventures there.

So, we thought it would be a perfect time to compare Mexico and Ecuador head-to-head and see which one comes out on top for factors that matter most to us (and maybe you as well!).

Mexico VS EcuadorThe Allure of Mexico

Mexico has a lot going for it, especially for expats from the United States and Canada. It’s super close, making traveling to and from home a breeze, with multiple international airports and even the option to drive there!

Pros of Living in Mexico:

  • Developed infrastructure (highways, housing, internet, etc.)
  • Cheaper goods and more variety (Amazon Prime!)
  • Delicious food
  • Friendly locals
  • Diverse housing options
  • Good healthcare (ranked 29th globally by CEOWorld Magazine)
  • Rich culture and plenty of things to do

The Not-So-Great Side of Mexico:

Of course, no place is perfect, and Mexico has a few drawbacks too:

 

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Ecuador: An Expat Paradise?

Ecuador, a hidden gem tucked away in South America, has been gaining popularity among expats over the past 10+ years. But is it truly an expat paradise?

In this section, we’ll dive into the various aspects that make Ecuador a fantastic destination for those looking to start a new adventure abroad, as well as some of the challenges that come with living in this beautiful country.

Pros of Living in Ecuador:

Ecuador also has a lot going for it, particularly for those from the United States:

  • The US dollar is the official currency
  • Fantastic climate
  • Walkable cities and towns
  • Amazing fruits and veggies (high quality and low cost)
  • Affordable, high-quality healthcare (ranked 25th globally)
  • Low cost of living
  • Reliable internet
  • Safe drinking water in some metro areas
  • Outdoor activities galore
  • Friendly locals
  • Easy to obtain visas (we have permanent visas!)

Ecuador’s Imperfections:

Ecuador isn’t without its flaws:

  • Farther from the US (flights are more expensive and longer)
  • Expensive and limited international travel options
  • Increasing crime/drug activity (Ecuador ranked #79 on the safest country list in 2022)
  • Smaller expat communities compared to Mexico
  • Not-so-great beaches (more like the Pacific side of Mexico, not the Caribbean)
  • Expensive imported goods and limited variety

Our Verdict: Are We Moving to Mexico?

So, what’s the verdict? The main benefit Mexico has over Ecuador for us is its proximity to the US and our families back home.

However, we think Ecuador ranks higher on a few aspects that matter more to us than a shorter plane ride, like high quality healthcare, better air quality and drinkable tap water (where we live).

Plus, we have permanent visas in Ecuador so we don’t have to worry about being legal or making visa runs!

Although we love to travel and may consider applying for a visa in another country at some point, we’re not moving to Mexico. We’re staying in Ecuador.

Both Mexico and Ecuador are fantastic options for expats and have a lot to offer. If you’re looking to escape the daily grind and try something new, you can’t go wrong with either destination.

Watch Our Video Comparing Mexico and Ecuador

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Redefining Retirement: Pursue Your Passion and Live a Life with Purpose

Far too many people spend their entire lives working hard to make someone else rich, only to find that when they finally cross the finish line to retirement, they’re bored and aimless.

Sadly, this is the reality for many who retire, leading to deteriorating health, depression, and early death.

And now, according to recent studies, more baby boomers than ever are becoming homeless. It takes just one crisis, like a job loss or medical bills, to push someone nearing retirement onto the streets!

The traditional concept of retirement is outdated, but you can redefine your retirement to make it more fulfilling and purposeful while protecting yourself from the dire consequences of unexpected hardships.

The Problem with Traditional Retirement

Redefine RetirementWith traditional retirement, you spend your whole life saving as much as possible, work to a certain age, and then stop working. A lot of retirees stop doing much of anything.

If you live in the United States, the rising cost of living and healthcare may eat away at your retirement savings faster than you expected, and that could lead to financial disaster later in life.

However, according to an article from MarketWatch, the retirement mindset is changing. People are beginning to realize that saving enough money for retirement is important, but having choice, autonomy, and agency matters even more.

Redefining Retirement: Live Life on Your Terms

Retirement doesn’t have to be a death sentence. By ditching the outdated concept of traditional retirement, you can create a life that revolves around your passions and interests.

Today’s retirees are redefining what it means to retire, with many continuing to work on their own terms or pursuing delayed dreams.

Here are some suggestions for how to redefine your retirement:

  • Try something new – Explore new hobbies or interests that bring you joy and a sense of purpose.
  • Turn your passion into a business – Utilize your life experiences and interests to create a meaningful, purpose-driven venture.
  • Create passive income streams – Although passive income is not entirely passive, it can allow you to live life on your terms and prioritize what truly matters to you. Check out our Online Income eCourse for ideas and quick start checklists.

We’ve seen it ourselves – people living unconventional, freedom-based lifestyles that they thought were unattainable.

Moving abroad, for example, has provided us with the flexibility and freedom to shape our lives in ways we never thought possible.

If you’re in your 30s, 40s, or 50s and don’t have enough investments or income to retire yet, you’re not alone. Neither do we.

But it’s never too early or late to take control and redefine your retirement, which might mean retiring early (with the right plan).

Overcoming Retirement Obstacles

To break free from the constraints of traditional retirement, and possibly retire early, consider these strategies:

  • Reduce expenses – Cut back on unnecessary spending, such as retail therapy or buying things you don’t need.
  • Downsize – Consider moving to a smaller home or relocating to a more affordable area.
  • Move to a low-cost country – Many countries offer a lower cost of living, allowing your retirement savings to stretch further.
  • Pay off debt – Use the Debt Snowball Method to pay off your debts and free up more money for saving and investing.
  • Earn more money – Start a side hustle or find online income opportunities.
  • Save and invest – Look into financial strategies like the FIRE movement to boost your savings and investments.

It seems cliche to say you need to spend less and earn more, but it really is that simple.

You can reduce your expenses starting today by cutting out things you don’t need. For most people, housing and cars are the biggest expenses, but it might take longer to downsize those.

We sold our house in the suburbs of Denver and moved into a one-bedroom apartment downtown. Then we sold one of our cars. When you factor taxes, insurance and maintenance into the equation, the savings was well over $2,000 per month!

It might take a little longer to start a side hustle to earn extra income, but that’s probably easier than you think, too.

It took us almost a year to earn income from our YouTube channel, but that was due to a lack of knowledge. If we were starting over today, we would be able to earn income within the first two months because of the lessons we’ve learned.

 

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Discovering Your Ideal Retirement Destination

If the idea of redefining your retirement and moving to a new country sounds appealing, we’ve compiled a list of 5 popular countries to work online or retire early according to World Population Review (2022).

These countries offer a blend of affordability, excellent healthcare, and beautiful landscapes, making them perfect for anyone looking to embrace a new way of life.

Panama

Panama is known for its lower cost of living (compared to the US), large expat community, and excellent healthcare (#56 CEO World ranking).

Its proximity to the US and the use of the US dollar make it a popular choice for expats. Many locals speak English, although learning basic Spanish is recommended.

Panama offers a 6-month tourist visa, a 9-month digital nomad visa (with extensions available), and a pension visa with a requirement of $1k/month.

Costa Rica

Costa Rica is famous for its “Pura Vida” or “Pure Life” lifestyle, focusing on simplicity and well-being. With stunning mountains, beaches, and incredible wildlife, it’s a nature lover’s paradise.

Costa Rica ranks #50 for healthcare (CEO World) and offers digital nomad and long-term visas, including a 1-year DM visa (renewable with a requirement of $3k/month) and a pensioner visa with a $1k/month requirement.

Mexico

Mexico offers more than just beautiful beaches! You’ll also find great places to live inland like Lake Chapala, Ajijic, Guanajuato, and San Miguel de Allende, boasting pleasant weather and rich culture.

With its affordability, large expat communities, and good healthcare (#29 CEO World ranking), Mexico is a popular destination for those seeking an “America Lite” experience.

Mexico offers 2-year temporary visas that allow you to work but doesn’t have an official digital nomad visa.

Ecuador

Ecuador is a birdwatcher’s paradise with more bird species per square kilometer than any country on earth. Plus, the Galapagos Islands and the Amazon rainforest are waiting for you to explore them.

The country is known for its culture, excellent healthcare, dental tourism, and affordability, with the US dollar as its official currency.

Ecuador offers a digital nomad visa with a 2-year term that can be converted to permanent residency. To qualify, you’ll need a monthly income of $1,350 (as of April 2023). Other visa options include pension, investment, and professional visas, making Ecuador one of the easiest places to relocate.

 

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Malaysia

Malaysia is an extremely developed country with solid infrastructure, a rich history, and high-quality healthcare (#34 CEO World ranking).

Kuala Lumpur was voted the best city for expats in 2022. With its beautiful scenery and affordable cost of living, Malaysia is an attractive destination for digital nomads and retirees alike.

The country offers a new digital nomad visa requiring $24k/year, valid for 12 months with a 12-month extension available. Additionally, Malaysia has a 10-year permanent resident visa and the MM2H visa, a 10-year retirement visa with investment and monthly income requirements.

Final Thoughts

As the concept of retirement evolves, so too should our approach to it. By redefining retirement and focusing on our passions and purpose, we can create a life that’s truly fulfilling and rewarding.

Don’t be afraid to break away from the conventional retirement mold – embrace the possibilities of a freedom lifestyle, location independence, or early retirement.

The choice is yours and there are lots of amazing countries and cities to choose from if you really decide to embrace the unconventional life and move abroad.

Watch Our Video About The NEW Retirement

Videos We Mentioned in the Video:

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Cotacachi Ecuador vs Ajijic Mexico (Pros & Cons)

Are you considering a move to Mexico or Ecuador and wondering which expat destination to choose? Both countries have plenty of options, but two towns that stand out are Ajijic in Mexico and Cotacachi in Ecuador.

These two picturesque mountain towns have a lot in common, but also some unique features that may sway your decision. In this article, we’ll compare the pros and cons of living in each town.

Ajijic Mexico Pros & Cons

Ajijic Mexico Centro ChapelAjijic is a picturesque mountain town on the shore of Lake Chapala, Mexico’s largest lake. The town is located about an hour south of Guadalajara and is close to major cities and airports.

The area is popular with expats because of its incredible views, walkability, variety of restaurants, and outdoor activities.

The town is home to a large number of foreign residents, which means there are many perks available to them, but also a few downsides caused by its extreme popularity.

Ajijic Mexico Pros

  • Beautiful, designated a UNESCO World Heritage site
  • Lakeside location
  • Comfortable year-round climate with lower elevation at 5,000 feet
  • 30-minute drive to the international airport in Guadalajara
  • Lots of expat amenities and English-speaking locals
  • Great for retirees
  • Plenty of shopping options, including Walmart and grocery stores
  • Nightlife options available

Ajijic Mexico Cons

  • Housing is expensive
  • Very populated and touristy
  • Can feel like “America-lite”
 

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Cotacachi Ecuador Pros & Cons

Cotacachi is a picturesque mountain town located about 90 minutes north of Quito, the capital of Ecuador. It has a population of around 9,000 people, and a lot of them are expats. Cotacachi is also close to major cities and airports and has incredible views and a variety of outdoor activities.

Situated between two inactive volcanoes, the town is small, clean, and quiet, making it feel more authentic than Ajijic. The town is also close to world-famous shopping at the Otavalo market and has a supportive group of expats. However, it doesn’t have major medical facilities, and the full grocery store is 30 minutes away in Ibarra.

Cotacachi Ecuador Pros

  • Small, clean, and quiet
  • Located in a picturesque mountain setting with incredible views
  • Close to world-famous shopping at Otavalo market
  • Hiking and outdoor activities available
  • Supportive group of expats
  • One of the most affordable cities in Ecuador
  • Weekly organic market
  • Quito is 1.5 hours away

Cotacachi Ecuador Cons

  • High elevation can be a challenge for some
  • Cool temperatures and rainy climate
  • Major medical facilities are not available in town
  • Airport is 1.5 hours away
  • Longer, more expensive flights back to the US
  • Not many nightlife options available

Conclusion

When deciding between Ajijic and Cotacachi, it comes down to your personal preferences and priorities. If you’re looking for a small community with cooler temperatures, Cotacachi may be the right fit for you. The town is more affordable than Ajijic, and it feels very authentic. On the other hand, if you have a larger budget and want to be closer to the US with a warmer climate and plenty of expat amenities, Ajijic may be the perfect fit.

Watch Our Comparison Video About Cotacachi and Ajijic

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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Medical Tourism: Escape The USA Healthcare Scam!

Healthcare and Health Insurance in the United States is a huge headache that can rightfully cause you a lot of distress. We know people who work jobs they hate or even delay retirement simply because they need health insurance. It doesn’t have to be that way!

Before we moved to Ecuador, JP had two surgeries on his back that ended up costing almost $1,000,000. After that, our health insurance premiums skyrocketed. It’s a familiar story, but we found a happy ending, going outside the States for our healthcare needs. 

We’ve compiled a list of the top 10 countries that have better health care at a fraction of the cost. Now you can plan your next medical procedure along with the trip of a lifetime!

What is Medical Tourism? Best Countries for Healthcare

The concept of medical tourism may sound a little out there, but it’s becoming increasingly popular, and for good reason! In many of these locations, you can pay for a month long medical tourism trip and still spend less than you would to get the same procedure in the United States.

Medical tourism companies can help you get connected with doctors and ensure you have everything you need, including the proper visas. Another option is to apply for permanent residency, allowing you to stay there and pay a lot less for your healthcare. Global health insurance is also available, and if you exclude the United States from the list of places you get treatment, it can be extremely affordable. 

Let’s jump in and look at our favorite places to get medical care!

10. France

France is known for its high quality – but low cost – healthcare.  Every year, CEO world puts out a ranking of the top healthcare systems in the world, and this year France ranked number seven! 

There is even a specific healthcare system for foreigners called Protection Universelle Maladie (PUMA). It allows access to state healthcare after only three months of residence. If staying in France for three months isn’t quite what you’re looking for, you can also turn towards private or global health insurance to help cover the costs. 

If France sounds like the perfect place to get your medical problems dealt with, you’re not alone. Medical tourism is incredibly popular in the area. You can enjoy all the romance and beauty that is in France while getting the care you need. 

9. Spain 

9. Spain 

If you’ve ever dreamed of living where they filmed spaghetti westerns or where delicious Spanish wine is made, you might want to consider medical tourism in Spain. CEO World ranked Spain number 8 on its list of healthcare systems. 

This country features both a public and private healthcare system. If you’re looking to use the public system, you’ll need to contribute income tax and social security, but there are extremely affordable options for private insurance. In fact, some of the prices are as low as what we pay in Ecuador! 

Spain is incredibly popular for medical tourists because of its beauty and culture, as well as the long-term options for visas. 

8. Czech Republic

Ranked number 14 by CEO World, we love the Czech Republic because of its excellent health care, multiple options for visas, and low cost of living.  They are known far and wide for their excellent universal healthcare. 

If you’re looking to become a permanent resident in the Czech Republic, you are required to get private health insurance. There are lots of English-speaking practitioners, and medical tourism is popular, so they will be familiar with your situation and know how to deal with it. 

One of the unique offerings in the Czech Republic is its spa designed specifically for cancer survivors

7. Portugal 

With their state-of-the-art facilities and significantly less expensive procedures, Portugal is very popular among medical tourists. CEO World ranked its healthcare number 22, and treatment there can cost between 50-30% of what it costs in the US. 

Public health insurance is available for both citizens and residents, so if you go there as an expat, you’ll have no trouble using their system. It’s almost free, paid for with taxes and social security. 

6. South Korea

6. South Korea

South Korea was ranked number 1 by CEO World! It’s known for being safe and affordable, as well as having lots of things to do and see while visiting. That, combined with their available one-year medical visa, makes South Korea a very popular destination for medical tourism

We have heard from lots of friends that it’s a joy to live in South Korea as a foreigner, so this is one destination you won’t want to write off. 

5. Thailand

An excellent option for medical tourism, Thailand is ranked number 13 by CEO World. Thai hospitals are some of the best in the world, and the procedures cost a mere 10-20% of what you would pay in the US! 

Thailand is a popular destination for expats because of its exciting culture and low cost of living, so you may want to consider a longer-term visa. You never know if you might fall in love with the country! 

4. Malaysia

Even though CEO World ranked Malaysia number 34, the only ranking lower than the United States, we’ve done our research and believe that it’s a strong choice for your procedures. While the pandemic hit this healthcare system hard, they are back on track to returning as one of the top healthcare systems in the world. 

They’ve been putting a lot of effort into their medical tourism, which isn’t a surprise because their hospitals are top-notch and provide care for as little as 20% of the cost in the United States. Malaysia does have public healthcare that expats can access, but you’ll end up paying higher rates, so private health insurance is a great option – and not too expensive. 

You aren’t required to have health insurance in Malaysia at all, so if you want, you can pay out of pocket for procedures. 

3. Argentina 

3. Argentina 

Argentina is one of the best countries for healthcare in South America. CEO World rated it number 27 out of all the healthcare systems in the world. They have private health insurance that’s extremely affordable and just recently started to include medical marijuana. 

The healthcare costs are 60-70% cheaper than those in the States. There’s so much to experience in Argentina over your stay, and with a one-year medical visa available, you’ll have more than enough time to enjoy this country fully.  

2. Mexico 

A long-time favorite of medical tourists from America, Mexico is easy to get into and offers high-quality procedures at a fraction of the cost. Ranked number 29 by CEO World, Mexico’s healthcare system is 3–4 times less expensive than the US.

There are even hospitals all along the border that cater specifically to medical tourists! Many doctors got their training in the US, so they speak fluent English. There are both private and public insurance options, so no matter what, you’ll be able to find an option that works for you. 

1. Ecuador

Cuenca EcuadorIt should come as no surprise that our favorite place to get healthcare outside the US is Ecuador! Ranked number 25 by CEO World, it came in five better than the States.  

Our costs here are so low we’re always shocked when we go to the doctor to get anything done. We have health insurance that covers both of us for only $192 a month (with JP’s pre-existing condition).

We haven’t had any major procedures done since coming to Ecuador, but we know people who have had cancer treatments, shoulder injuries, and heart surgeries that they were very happy with. In general, healthcare will cost a mere 25% of the cost in the States, and many doctors speak English. 

You will deal directly with the doctor right away; you won’t have to spend weeks or months just interacting with nurses or admin staff. So many people come here for dental tourism as well, and it is significantly cheaper even with travel. 

Bottom Line

Healthcare can be such a complicated and stressful thing to deal with. We hope that by making you aware of the options, we’ve opened your eyes to the whole world of possibilities available to you with medical tourism.

Watch Our Video About Medical Tourism

Here are links to the references mentioned in the video:
CEO World Healthcare Rankings (2021)
Allianz Care Global Health Insurance
Cigna Global Health Insurance
GeoBlue Global Health Insurance
Bupa Global Health Insurance
The French Social Security System – PUMA
France Medical Tourism
Spain Medical Tourism
Czech Republic Medical Tourism
Czech Republic Medical Spa
Czech Republic Health Insurance
South Korea Medical Tourism
Thailand Medical Tourism
Malaysia Medical Tourism
Argentina Medical Tourism
Mexico Medical Tourism
Ecuador Health Insurance & Healthcare
Ecuador Dental Tourism (Cuenca)
Medical Tourism Country Index

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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PLUS, there are several other free perks in our Live Abroad Toolkit we think you'll enjoy!
 

Top 10 Expat Countries (According to Expats)

Are you planning to move abroad to enhance your quality of life? The process is complicated and you have several things to consider before you take the leap.

Your first and most difficult decision is to decide where you want to live. To help people who are planning their move abroad, InterNations asked 12,000 expats in 181 countries what they thought about their home away from home. So in this article you’ll learn about the top 10 expat countries for 2022 according to the people who already live abroad.

Top 10 Expat Countries

InterNations ranked the top 10 based on several factors: work opportunities, ease of settling in, quality of life, health, safety, culture, locals, climate, cost of living, and language.

As you read through these countries, keep in mind that the respondents are from a variety of demographics, including younger people who work overseas. Some of these countries may not be the best places to retire, but they may be great places to live and work.

10. Singapore

10. Singapore

Although Singapore is generally an expensive country with a high cost of living, the destination offers exceptional perks for expats. Besides being one of the cleanest locations, it offers excellent housing options. Expats can get a mortgage or rent a home; remember that property and rentals may be expensive.

The small island country of Singapore is ranked #9 on the Global Peace Index, suggesting that it is safe. According to the CEO ranking, it is  #19 on the Quality of Life Index, so you can expect a  good time living in Singapore.

What are some of the best things about expat life in Singapore? You can benefit from fantastic healthcare facilities. With the #24 ranking on the CEO Healthcare Index, Singapore offers universal healthcare- among the best in the world.

Furthermore, expats vouch for Singapore’s excellent education and reliable transport.

9. Australia

Australia has a strong economy, but the country is quite expensive. Nevertheless, Adelaide, Perth, Melbourne, and Sydney make excellent expat locations.

Why? English is widely spoken throughout the country, so you do not have to worry about a language barrier. The cultural shock is also less than in many other countries, though you may feel isolated as Australia is quite far. With a #27 Global Peace Index, the country is incredibly safe for locals and expats.

Besides excellent education, Australia offers various sports and job opportunities that make it enticing for young expats. Not to mention, the quality of life is excellent in this nature lover’s paradise, with a laidback lifestyle. Furthermore, Australia is ranked #6 for healthcare, eliminating that concern.

8. Thailand

8. Thailand

Thailand’s tourism is known worldwide and it is among the world’s most visited countries. Tourists flock to the country for its rich culture, exciting history, and well-developed modern buildings. Besides attracting vacationers, Thailand offers fantastic benefits for expats.

Locations like Chiang Mai, Phuket, and Bangkok are popular with expats for several reasons. Thailand is affordable, beautiful, and safe! It ranked #38 on the Quality of Life Index 2021 and #103 on the Global Peace Index.

Besides having a low cost of living and crime rate, Thailand boasts stunning mountain ranges and beaches. What else? The country offers excellent healthcare, ranking #13 on CEO Healthcare Index. Not to forget, Thai cuisine is loved among expats.

7. Vietnam

7. Vietnam

It may not be as popular a country, but Vietnam is great for expats looking to move abroad. Whether you are a young individual or a retiree with kids, this country will not disappoint.

Vietnam has a sizeable expat community of close to 100k. However, more expats are choosing it, thanks to the excellent advantages. While it has a lot to offer, the low cost of living in the growing economy should be compelling enough. The best part is that you can find incredible luxury rentals at super-affordable rates.

What else? Vietnam has an exceptionally low crime rate- ranked #44 on Global Peace Index. It is generally safe, so you can rest assured that residing in the country will not risk your family’s safety. Vietnam’s healthcare is also reasonably good; it ranks #66 on CEO Healthcare Index.

6. United Arab Emirates- UAE

6. United Arab Emirates- UAE

The United Arab Emirates comprises seven emirates, with Dubai and Abu Dhabi being the most popular. It is among the top expat locations regarding the diverse people in the UAE expat community.

No income tax policy and a wide range of job opportunities are the primary reasons expats prefer the UAE. Although the cost of living is high in these emirates, the incredible cities with stunning infrastructure and beaches make them worth moving in.

While Arabic is the primary language in UAE, nearly everyone, including locals and expats, speaks English as a communication medium. Most expats do not experience much of a cultural shock, though the UAE is quite conservative as it is an Islamic state.

Although extremely family-friendly, women’s rights may be restrictive. Additionally, you must dress modestly in public in all UAE, with each emirate having its laws. For instance, Sharjah bans mingling with individuals of the opposite gender unless you are married to them.

Nevertheless, UAE offers excellent education, safety, and healthcare, among other benefits. It ranks #60 on the Global Peace Index and #20 for healthcare according to CEO World.

5. Spain

Are you an expat looking to move to a country with a laid-back vibe? Spain should be your number-one choice; it offers several incredible benefits for expats!

The European country is known for its rich culture and history, modern cities with a stunning infrastructure, and beautiful natural attractions. Every year, many tourists flock to Spain to have a relaxing vacation.

That said, Spain is just as popular among expats, and rightfully so. The country is ranked high on the Quality of Life Index, coming in at #20, and it is ranked extremely high for health care; CEO World ranks it #8.  Though petty crimes may be a problem, it is a highly safe country. It ranks #29 on the Global Peace Index. Spain boasts pleasant year-round weather, with lots of sun. While it can get dry and hot during the summers, expats enjoy the warm climate.

It is affordable, with popular locations like Barcelona and Madrid comparatively expensive. While it offers many benefits, the language barrier can pose difficulty as English is not as widely spoken.

4. Portugal

Besides being a popular tourist location, Portugal is excellent for relocating. Expats love the country for its friendly environment and locals, rich culture and culture, and great food and wine. It is incredibly family-friendly; perfect for expat couples with kids.

The country is affordable and has a generally low cost of living, though the energy costs have increased in recent years. The housing options may also be a little expensive in popular expat areas.

The high rates are mainly due to the increasing demand for rentals in these locations. Therefore, you might want to avoid homes in areas like Porto and Lisbon. Coimbra, Viseu, and Braga are the more affordable options.

Additionally, Portugal has a low crime rate, ranking #6 on the Global Peace Index. Not to mention, the country offers good healthcare for its residents; it ranked #22 on CEO Healthcare Index.

3. Taiwan

3. Taiwan

InterNations ranked Taiwan third out of ten expat countries for its excellent benefits and facilities.

New Taipei City, Taoyuan, and Kaohsiung are most preferred by individuals and families looking to relocate, with Taipei topping the list. A large number of English speakers is one of the significant reasons for Taipei’s popularity among expats.

Apart from the language ease, Taiwan is known for its friendly locals who never fail to make expats feel welcomed. The locals are incredibly accepting of Westerners, so you do not need to worry about adjusting.

Taiwan is generally safe for locals, expats, and visitors, ranking #20 on the Global Peace Index. The country ranked #15 on the Quality of Life 2021 Index, thanks to the solid infrastructure, reliable transport, and affordability.

What is the best part? Taiwan ranks number #2 on Healthcare Index- promising medical help for everyone!

2. Indonesia

Interestingly, Indonesia is the world’s largest archipelago, comprising an extensive group of five major and thirty smaller islands.

Thanks to Indonesia’s excellent nightlife, stunning landscape, shopping opportunities, and rich culture, it is popular among tourists and expats. Who would want to miss the world-famous beaches and volcanoes, after all? Not to mention, Indonesia has a lot to do, you will love the exciting activities on the diverse islands!

Currently, Indonesia has a reasonably large community of 350k expats. The country is highly affordable, having an incredibly low cost of living. Jakarta is among the cheapest cities, perfect for expats. The huge cities boast a busy yet laidback lifestyle, and you will find significant cultural diversity.

Safety is not an issue in Indonesia, as it is generally pretty safe- ranked #47 on the Global Peace Index. Healthcare ranks #52 on Healthcare Index, though medical facilities are quickly improving.

UPDATE:  Indonesia just passed some restrictive laws that apply to citizens, residents, and tourists limiting personal freedoms and freedom of speech.

1. Mexico

Live Abroad MexicoInterNations ranked Mexico as the number 1 expat country for many reasons. However, the proximity to the US and the American lifestyle remain on top of the list.

While it is excellent for expats from all across the world, Mexico is particularly great for Americans looking to move abroad. The best part about relocating to Mexico from the US is the significantly low cost of living. The country is much more affordable than many parts of the US.

You can choose from multiple expat-friendly cities for relocation, including Mexico City, Puerto Vallarta, Playa Del Carmen, Chapala, Merida, La Paz, and more. Mexico has a rich culture and boasts many attractions and activities. For example, you can find excellent beach destinations in the country. Not to mention, the weather is fabulous and Mexican cuisine never disappoints.

Besides, Mexico ranked #46 on the Quality of Life 2021 Index. What else? It isn’t ranked as high for safety, ranking #137 on Global Peace Index, but many areas in the country are generally safe.  And the healthcare is very good- ranked #29 on Healthcare Index.

Bottom Line

We hope the above list helped you narrow your expat destination options. You can pick one of the top ten expat countries listed by the InterNations, according to your preferences. Most options have a low cost of living and offer incredible benefits for expats.

Watch Our Video About the 10 Best Countries for Expats

DISCLOSURE: THIS POST MAY CONTAIN AFFILIATE LINKS, MEANING WE GET A COMMISSION IF YOU DECIDE TO MAKE A PURCHASE THROUGH OUR LINKS. THERE IS NO COST TO YOU AND SOMETIMES YOU'LL EVEN GET A DISCOUNT BY USING OUR LINK. PLEASE READ OUR DISCLOSURE FOR MORE INFO.

 

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Enter your email address here to get our Unconventional Newsletter with all sorts of timely information about living abroad, online income and achieving financial independence.
 
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