5 Countries About to Get More Expensive (Now or NEVER!)

All right, basically the doors on cheap, All right, basically the doors on cheap, easy, legal living abroad are closing easy, legal living abroad are closing easy, legal living abroad are closing one country at a time and faster than one country at a time and faster than one country at a time and faster than most people planning this move abroad most people planning this move abroad most people planning this move abroad realize. I'm not fear-mongering. It is realize. I'm not fear-mongering. It is realize. I'm not fear-mongering. It is five specific, documented, dated policy five specific, documented, dated policy five specific, documented, dated policy changes that are already in motion right changes that are already in motion right changes that are already in motion right now. And what they tell you about where now. And what they tell you about where now. And what they tell you about where to move abroad if you want in before the to move abroad if you want in before the to move abroad if you want in before the price of admission goes up. Again, this price of admission goes up. Again, this price of admission goes up. Again, this is not a list of bad countries. Every is not a list of bad countries. Every is not a list of bad countries. Every one of these five options is a wonderful one of these five options is a wonderful one of these five options is a wonderful place to live and retire abroad. It's a place to live and retire abroad. It's a place to live and retire abroad. It's a list about timing, and timing is the one list about timing, and timing is the one list about timing, and timing is the one variable nobody in the retire abroad variable nobody in the retire abroad variable nobody in the retire abroad world talks about honestly because world talks about honestly because world talks about honestly because here's a country you should consider here's a country you should consider here's a country you should consider eventually, just be asked, right? The eventually, just be asked, right? The eventually, just be asked, right? The window is closing, and closing doesn't window is closing, and closing doesn't window is closing, and closing doesn't mean the door slams. It just means less mean the door slams. It just means less mean the door slams. It just means less of you can go, right? It rarely works of you can go, right? It rarely works of you can go, right? It rarely works that way. It works the way it worked in that way. It works the way it worked in that way. It works the way it worked in Portugal. Some people get cut off, a tax Portugal. Some people get cut off, a tax Portugal. Some people get cut off, a tax incentive wound down there, a incentive wound down there, a incentive wound down there, a citizenship timeline stretched, a visa citizenship timeline stretched, a visa citizenship timeline stretched, a visa tier discontinued at a specific date. tier discontinued at a specific date. tier discontinued at a specific date. Each one survivable on its own, all of Each one survivable on its own, all of Each one survivable on its own, all of them together them together them together add up. Nobody sends you the single add up. Nobody sends you the single add up. Nobody sends you the single alarming headline. It is death by a alarming headline. It is death by a alarming headline. It is death by a thousand small cuts. The only way to see thousand small cuts. The only way to see thousand small cuts. The only way to see it coming is to watch the pattern as it it coming is to watch the pattern as it it coming is to watch the pattern as it emerges across several countries at emerges across several countries at emerges across several countries at once, five in this particular video. I'm once, five in this particular video. I'm once, five in this particular video. I'm going to tell you what's happening in going to tell you what's happening in going to tell you what's happening in each of them right now. Number five, my each of them right now. Number five, my each of them right now. Number five, my neighbor Cambodia. Cambodia has run one neighbor Cambodia. Cambodia has run one neighbor Cambodia. Cambodia has run one of the simplest retirement setups on of the simplest retirement setups on of the simplest retirement setups on Earth for years. I've talked about it, a Earth for years. I've talked about it, a Earth for years. I've talked about it, a renewable ER visa for anyone 55 or renewable ER visa for anyone 55 or renewable ER visa for anyone 55 or older, minimal paperwork, a very older, minimal paperwork, a very older, minimal paperwork, a very low-cost floor. New Meo has non-PAN at low-cost floor. New Meo has non-PAN at low-cost floor. New Meo has non-PAN at $622 $622 $622 a month for a single person excluding

a month for a single person excluding a month for a single person excluding rent with a one-bedroom outside the city rent with a one-bedroom outside the city rent with a one-bedroom outside the city center running about 350 bucks. That's center running about 350 bucks. That's center running about 350 bucks. That's under a thousand a month all in in the under a thousand a month all in in the under a thousand a month all in in the capital, and Siem Reap runs below that. capital, and Siem Reap runs below that. capital, and Siem Reap runs below that. The visa itself costs 290 to $300 a year The visa itself costs 290 to $300 a year The visa itself costs 290 to $300 a year in government fees. All in with an in government fees. All in with an in government fees. All in with an agent, photos, a medical certificate, agent, photos, a medical certificate, agent, photos, a medical certificate, your first year runs 4 to 600 bucks. your first year runs 4 to 600 bucks. your first year runs 4 to 600 bucks. That is the whole cost, and the That is the whole cost, and the That is the whole cost, and the simplicity was the entire appeal of simplicity was the entire appeal of simplicity was the entire appeal of retiring in Cambodia because enforcement retiring in Cambodia because enforcement retiring in Cambodia because enforcement was historically loose. The part was historically loose. The part was historically loose. The part [snorts] you're not getting, the income [snorts] you're not getting, the income [snorts] you're not getting, the income requirement, the $800 to $1,000 a month requirement, the $800 to $1,000 a month requirement, the $800 to $1,000 a month you read on every blog, every video, you read on every blog, every video, you read on every blog, every video, etc., isn't a legal thing. It's not etc., isn't a legal thing. It's not etc., isn't a legal thing. It's not codified. It's just applied at officer codified. It's just applied at officer codified. It's just applied at officer discretion. It varies. It can be discretion. It varies. It can be discretion. It varies. It can be formally standardized at any time by the formally standardized at any time by the formally standardized at any time by the ministerial government with no ministerial government with no ministerial government with no legislative process. And that's already legislative process. And that's already legislative process. And that's already happened to other Cambodian immigration happened to other Cambodian immigration happened to other Cambodian immigration categories. So, the risk in Cambodia is categories. So, the risk in Cambodia is categories. So, the risk in Cambodia is not that it gets expensive, it's that a not that it gets expensive, it's that a not that it gets expensive, it's that a rule nobody ever wrote down finally gets rule nobody ever wrote down finally gets rule nobody ever wrote down finally gets written down, and the version you written down, and the version you written down, and the version you planned around stops existing overnight.

planned around stops existing overnight. planned around stops existing overnight. The people getting in properly right now The people getting in properly right now The people getting in properly right now with clean paperwork are the ones who with clean paperwork are the ones who with clean paperwork are the ones who are going to be fine, and the mechanics are going to be fine, and the mechanics are going to be fine, and the mechanics of why this always happens in the exact of why this always happens in the exact of why this always happens in the exact order are basically worth naming. A order are basically worth naming. A order are basically worth naming. A government runs a loose, low-oversight government runs a loose, low-oversight government runs a loose, low-oversight program for years because almost nobody program for years because almost nobody program for years because almost nobody uses it and enforcement isn't worth the uses it and enforcement isn't worth the uses it and enforcement isn't worth the cost. Then a wave of cost-of-living cost. Then a wave of cost-of-living cost. Then a wave of cost-of-living videos and retire abroad channels and videos and retire abroad channels and videos and retire abroad channels and forums and the internet basically gets forums and the internet basically gets forums and the internet basically gets the volume kicking, and the government the volume kicking, and the government the volume kicking, and the government notices the volume, sees there's money notices the volume, sees there's money notices the volume, sees there's money to be made, right? Noticing the volume to be made, right? Noticing the volume to be made, right? Noticing the volume and the option of money to be made and the option of money to be made and the option of money to be made changes the loose to formal. Cambodia's changes the loose to formal. Cambodia's changes the loose to formal. Cambodia's in that transition right now, and sure, in that transition right now, and sure, in that transition right now, and sure, my channel, other channels, you are part my channel, other channels, you are part my channel, other channels, you are part of the reason that's happening. Number of the reason that's happening. Number of the reason that's happening. Number four, Albania, one of the best-kept four, Albania, one of the best-kept four, Albania, one of the best-kept secrets in this entire space, but is it secrets in this entire space, but is it secrets in this entire space, but is it really a secret? Low personal income tax really a secret? Low personal income tax really a secret? Low personal income tax bands, a digital nomad permit that costs bands, a digital nomad permit that costs bands, a digital nomad permit that costs a couple of bucks. Cost of living that a couple of bucks. Cost of living that a couple of bucks. Cost of living that is still cheap by Eastern European is still cheap by Eastern European is still cheap by Eastern European standards. Three corrections to what standards. Three corrections to what standards. Three corrections to what you've probably read about it, including you've probably read about it, including you've probably read about it, including for me. First, the permit runs 1 year at for me. First, the permit runs 1 year at for me. First, the permit runs 1 year at a time, renews annually. a time, renews annually. a time, renews annually. It is not a 5-year grant up front.

It is not a 5-year grant up front. It is not a 5-year grant up front. Second, there's no clearly defined Second, there's no clearly defined Second, there's no clearly defined statutory minimum income. Roughly 40,000 statutory minimum income. Roughly 40,000 statutory minimum income. Roughly 40,000 lek a month, or about $500, is what lek a month, or about $500, is what lek a month, or about $500, is what applications are being built around in applications are being built around in applications are being built around in practice. Third, cross 183 days in the practice. Third, cross 183 days in the practice. Third, cross 183 days in the country and you may be treated as an country and you may be treated as an country and you may be treated as an Albanian tax resident on worldwide Albanian tax resident on worldwide Albanian tax resident on worldwide income. So, you have to confirm these income. So, you have to confirm these income. So, you have to confirm these low headline rates against your own low headline rates against your own low headline rates against your own situation with a Live Abroad tax advisor situation with a Live Abroad tax advisor situation with a Live Abroad tax advisor instead of assuming they're all going to instead of assuming they're all going to instead of assuming they're all going to apply to you. Now, the one that matters apply to you. Now, the one that matters apply to you. Now, the one that matters ultimately, Albania is no longer a ultimately, Albania is no longer a ultimately, Albania is no longer a $1,000 a month country, not in the $1,000 a month country, not in the $1,000 a month country, not in the capital. New Me O has significantly capital. New Me O has significantly capital. New Me O has significantly changed their cost of living and updated changed their cost of living and updated changed their cost of living and updated it recently. A single person in Tirana it recently. A single person in Tirana it recently. A single person in Tirana at 775 a month excluding rent and a one at 775 a month excluding rent and a one at 775 a month excluding rent and a one bedroom outside the center at 312 or in bedroom outside the center at 312 or in bedroom outside the center at 312 or in the center at 540. Let's call it 1,100 the center at 540. Let's call it 1,100 the center at 540. Let's call it 1,100 to 1,300 all in. Yes, cheaper than at to 1,300 all in. Yes, cheaper than at to 1,300 all in. Yes, cheaper than at home. Yes, cheaper than Western Europe, home. Yes, cheaper than Western Europe, home. Yes, cheaper than Western Europe, but not cheaper than Phnom Penh, which I but not cheaper than Phnom Penh, which I but not cheaper than Phnom Penh, which I just quoted at under 1,000. So, the just quoted at under 1,000. So, the just quoted at under 1,000. So, the window I'm about to describe is window I'm about to describe is window I'm about to describe is basically not open. It's already basically not open. It's already basically not open. It's already closing. And Tirana is where you're closing. And Tirana is where you're closing. And Tirana is where you're going to see it first, right? Smaller going to see it first, right? Smaller going to see it first, right? Smaller cities in the coast are still under the cities in the coast are still under the cities in the coast are still under the number for now, but this is always number for now, but this is always number for now, but this is always changing, folks. That's just the changing, folks. That's just the changing, folks. That's just the reality. July 14th of this year, Albania reality. July 14th of this year, Albania reality. July 14th of this year, Albania provisionally closed its first three EU provisionally closed its first three EU provisionally closed its first three EU negotiating chapters, science and negotiating chapters, science and negotiating chapters, science and research, education, culture, external research, education, culture, external research, education, culture, external relations. The first ones ever closed.

relations. The first ones ever closed. relations. The first ones ever closed. The country is targeting EU membership The country is targeting EU membership The country is targeting EU membership for 2030. Countries on an ascension path for 2030. Countries on an ascension path for 2030. Countries on an ascension path follow a consistent arc. Infrastructure follow a consistent arc. Infrastructure follow a consistent arc. Infrastructure investment accelerates. International investment accelerates. International investment accelerates. International attention increases. Property and rental attention increases. Property and rental attention increases. Property and rental prices climb well ahead of the actual prices climb well ahead of the actual prices climb well ahead of the actual accession date because the people who accession date because the people who accession date because the people who understand the pattern move early. understand the pattern move early. understand the pattern move early. Croatia ran this exact arc. Montenegro Croatia ran this exact arc. Montenegro Croatia ran this exact arc. Montenegro is running it now. Albania just posted is running it now. Albania just posted is running it now. Albania just posted its first real milestone on the way to its first real milestone on the way to its first real milestone on the way to joining the EU. Look at the coast around joining the EU. Look at the coast around joining the EU. Look at the coast around Vlore and you can already see it. New Vlore and you can already see it. New Vlore and you can already see it. New construction, more foreign buyers, construction, more foreign buyers, construction, more foreign buyers, infrastructure money flowing towards the infrastructure money flowing towards the infrastructure money flowing towards the areas that will matter most as ascension areas that will matter most as ascension areas that will matter most as ascension gets closer. Places blow up. This is not gets closer. Places blow up. This is not gets closer. Places blow up. This is not a country to worry about tomorrow. It's a country to worry about tomorrow. It's a country to worry about tomorrow. It's country the version available to you country the version available to you country the version available to you this year is not the version available this year is not the version available this year is not the version available in three or four and the gap will be in three or four and the gap will be in three or four and the gap will be priced in euros. Frankly, I feel the priced in euros. Frankly, I feel the priced in euros. Frankly, I feel the exact same way about my old home in Da exact same way about my old home in Da exact same way about my old home in Da Nang, Vietnam that I just visited. It is Nang, Vietnam that I just visited. It is Nang, Vietnam that I just visited. It is blowing up and changing fast, but our blowing up and changing fast, but our blowing up and changing fast, but our next on the list is number three, next on the list is number three, next on the list is number three, Thailand. This one has a real date on it Thailand. This one has a real date on it Thailand. This one has a real date on it and it is close. Thailand's privilege and it is close. Thailand's privilege and it is close. Thailand's privilege entry bronze level membership cost entry bronze level membership cost entry bronze level membership cost 650,000 baht for a 5-year multiple 650,000 baht for a 5-year multiple 650,000 baht for a 5-year multiple entry, about $19,700 entry, about $19,700 entry, about $19,700 at today's rate. Applications close on at today's rate. Applications close on at today's rate. Applications close on September 30th, 2026. After that, gold September 30th, 2026. After that, gold September 30th, 2026. After that, gold becomes the entry tier at 900,000 baht, becomes the entry tier at 900,000 baht, becomes the entry tier at 900,000 baht, roughly $27,300.

roughly $27,300. roughly $27,300. That is a jump of 250,000 That is a jump of 250,000 That is a jump of 250,000 baht. Let's call it $7,600 for the same baht. Let's call it $7,600 for the same baht. Let's call it $7,600 for the same basic outcome on a scheduled date that basic outcome on a scheduled date that basic outcome on a scheduled date that is already published. One detail worth is already published. One detail worth is already published. One detail worth knowing, eligibility is set by the date knowing, eligibility is set by the date knowing, eligibility is set by the date you submit, not the date you get you submit, not the date you get you submit, not the date you get approved. So, if your bronze application approved. So, if your bronze application approved. So, if your bronze application is the plan, the deadline is a is the plan, the deadline is a is the plan, the deadline is a submission deadline and you don't need submission deadline and you don't need submission deadline and you don't need to get approval in hand by the 30th. to get approval in hand by the 30th. to get approval in hand by the 30th. Ultimately though, that's not an Ultimately though, that's not an Ultimately though, that's not an isolated data point. Thailand also isolated data point. Thailand also isolated data point. Thailand also introduced rules requiring tax introduced rules requiring tax introduced rules requiring tax residents, people spending a meaningful residents, people spending a meaningful residents, people spending a meaningful chunk of the year there, to declare chunk of the year there, to declare chunk of the year there, to declare their remitted foreign income, which is their remitted foreign income, which is their remitted foreign income, which is very different picture from the don't very different picture from the don't very different picture from the don't worry about reputation that Thailand and worry about reputation that Thailand and worry about reputation that Thailand and Southeast Asia generally have. Put the Southeast Asia generally have. Put the Southeast Asia generally have. Put the tier retirement and the tax rule tier retirement and the tax rule tier retirement and the tax rule together and Thailand is steadily together and Thailand is steadily together and Thailand is steadily formalizing what used to be informal. formalizing what used to be informal. formalizing what used to be informal. Thailand isn't a bad option. It's Thailand isn't a bad option. It's Thailand isn't a bad option. It's freaking beautiful. It's amazing. It's freaking beautiful. It's amazing. It's freaking beautiful. It's amazing. It's just becoming more formalized, okay? It just becoming more formalized, okay? It just becoming more formalized, okay? It is still among the most developed and is still among the most developed and is still among the most developed and most livable places in Southeast Asia, most livable places in Southeast Asia, most livable places in Southeast Asia, still one of my favorites with beautiful still one of my favorites with beautiful still one of my favorites with beautiful people, great food, excellent health people, great food, excellent health people, great food, excellent health care, decades of established expats and care, decades of established expats and care, decades of established expats and great community. What's disappearing is great community. What's disappearing is great community. What's disappearing is the cheapest possible entry point, the cheapest possible entry point, the cheapest possible entry point, right? So, if you're planning to spend a right? So, if you're planning to spend a right? So, if you're planning to spend a dependent on that specific tier, you dependent on that specific tier, you dependent on that specific tier, you have until September 30th to get have until September 30th to get have until September 30th to get yourself a bronze application in. Let me yourself a bronze application in. Let me yourself a bronze application in. Let me put that jump in the only unit that put that jump in the only unit that put that jump in the only unit that matters, actually, cuz cost per year of matters, actually, cuz cost per year of matters, actually, cuz cost per year of legal status is what we basically talk legal status is what we basically talk legal status is what we basically talk about. Bronze is 650,000 baht for 5 about. Bronze is 650,000 baht for 5 about. Bronze is 650,000 baht for 5 years. That's $3,950 years. That's $3,950 years. That's $3,950 a year, whereas gold is 900,000 baht for a year, whereas gold is 900,000 baht for a year, whereas gold is 900,000 baht for 5 years, which is 5,470

5 years, which is 5,470 5 years, which is 5,470 a year. So, the moment bronze closes, a year. So, the moment bronze closes, a year. So, the moment bronze closes, the cheapest legal long stay in Thailand the cheapest legal long stay in Thailand the cheapest legal long stay in Thailand goes up by 1,520 a year, every year, for goes up by 1,520 a year, every year, for goes up by 1,520 a year, every year, for as long as you keep renewing, or until as long as you keep renewing, or until as long as you keep renewing, or until they change the laws again, right? Over they change the laws again, right? Over they change the laws again, right? Over a 15-year retirement, that's $22,800. a 15-year retirement, that's $22,800. a 15-year retirement, that's $22,800. Same country, same privileges, Same country, same privileges, Same country, same privileges, same you, different date, different same you, different date, different same you, different date, different cost. Put it against what the region cost. Put it against what the region cost. Put it against what the region charges, right? Cambodia is still about charges, right? Cambodia is still about charges, right? Cambodia is still about 300 a year, till that changes. The 300 a year, till that changes. The 300 a year, till that changes. The Philippines retiree tier is about 1,100. Philippines retiree tier is about 1,100. Philippines retiree tier is about 1,100. Thailand bronze is 3,950, Thailand bronze is 3,950, Thailand bronze is 3,950, and is about to be 5,470. Basically, and is about to be 5,470. Basically, and is about to be 5,470. Basically, Thailand isn't a cheap option it was, Thailand isn't a cheap option it was, Thailand isn't a cheap option it was, and it's getting more and more expensive and it's getting more and more expensive and it's getting more and more expensive as it's more and more formalized. Is it as it's more and more formalized. Is it as it's more and more formalized. Is it a problem for everyone? No. In fact, it a problem for everyone? No. In fact, it a problem for everyone? No. In fact, it might be great for some of you, cuz might be great for some of you, cuz might be great for some of you, cuz ultimately, it's not that much money to ultimately, it's not that much money to ultimately, it's not that much money to get into an absolutely beautiful get into an absolutely beautiful get into an absolutely beautiful country, and country, and country, and it seems to everyone on the ground like it seems to everyone on the ground like it seems to everyone on the ground like they're just trying to get rid of some they're just trying to get rid of some they're just trying to get rid of some of the riffraff. So, it is what it is. of the riffraff. So, it is what it is. of the riffraff. So, it is what it is. Take it for what it is. Subscribe, Take it for what it is. Subscribe, Take it for what it is. Subscribe, comment, let me know how you feel about comment, let me know how you feel about comment, let me know how you feel about the changes in Thailand. Number two, the changes in Thailand. Number two, the changes in Thailand. Number two, Malaysia, MM2H, the long stay visa most Malaysia, MM2H, the long stay visa most Malaysia, MM2H, the long stay visa most retirees use. It has been restructured retirees use. It has been restructured retirees use. It has been restructured four times since 2022. No joke, four four times since 2022. No joke, four four times since 2022. No joke, four times in 6 years. That's the headline, times in 6 years. That's the headline, times in 6 years. That's the headline, folks, not the current numbers, the fact folks, not the current numbers, the fact folks, not the current numbers, the fact that the current numbers never stay that the current numbers never stay that the current numbers never stay still, and they're always a moving still, and they're always a moving still, and they're always a moving target, right? So, latest rebuild, the target, right? So, latest rebuild, the target, right? So, latest rebuild, the tiers now require a mandatory property tiers now require a mandatory property tiers now require a mandatory property purchase on top of a fixed deposit.

purchase on top of a fixed deposit. purchase on top of a fixed deposit. Property cannot be resold for 10 years. Property cannot be resold for 10 years. Property cannot be resold for 10 years. The route from MM2H to permanent The route from MM2H to permanent The route from MM2H to permanent residency is scrapped, from what I hear. residency is scrapped, from what I hear. residency is scrapped, from what I hear. I'm deliberately not giving you a single I'm deliberately not giving you a single I'm deliberately not giving you a single deposit figure on camera, cuz every time deposit figure on camera, cuz every time deposit figure on camera, cuz every time I look it up, it seems to change. I I look it up, it seems to change. I I look it up, it seems to change. I checked several sources this week, and checked several sources this week, and checked several sources this week, and literally got three different numbers. literally got three different numbers. literally got three different numbers. What the What the What the Okay, it tells you something on its own Okay, it tells you something on its own Okay, it tells you something on its own about how much the program moves. MM2H about how much the program moves. MM2H about how much the program moves. MM2H is on your list, you have to verify is on your list, you have to verify is on your list, you have to verify through a licensed agent in Malaysia, through a licensed agent in Malaysia, through a licensed agent in Malaysia, requires you to apply through one requires you to apply through one requires you to apply through one anyway. Get a lawyer, bro. I can tell anyway. Get a lawyer, bro. I can tell anyway. Get a lawyer, bro. I can tell you deposit requirements on this program you deposit requirements on this program you deposit requirements on this program have gone up, not down, across every have gone up, not down, across every have gone up, not down, across every restructure. It's never going to get restructure. It's never going to get restructure. It's never going to get cheaper, or it seems that way. The cheaper, or it seems that way. The cheaper, or it seems that way. The residency schemes with a fixed deposit residency schemes with a fixed deposit residency schemes with a fixed deposit require follow the pattern worldwide. require follow the pattern worldwide. require follow the pattern worldwide. The deposit rises as the program gets The deposit rises as the program gets The deposit rises as the program gets popular, and the government recalibrates popular, and the government recalibrates popular, and the government recalibrates who it wants. This is just the reality, who it wants. This is just the reality, who it wants. This is just the reality, okay? Is it going to be the same here in okay? Is it going to be the same here in okay? Is it going to be the same here in Vietnam? Of course. Will it continue in Vietnam? Of course. Will it continue in Vietnam? Of course. Will it continue in Thailand and Cambodia? Of course. Supply Thailand and Cambodia? Of course. Supply Thailand and Cambodia? Of course. Supply and demand, right? The Malaysian deposit and demand, right? The Malaysian deposit and demand, right? The Malaysian deposit number, without me giving you a number I number, without me giving you a number I number, without me giving you a number I cannot verify, you got to take whatever cannot verify, you got to take whatever cannot verify, you got to take whatever figure your licensed agent quotes you figure your licensed agent quotes you figure your licensed agent quotes you and run on it. Every 100,000 ringgit and run on it. Every 100,000 ringgit and run on it. Every 100,000 ringgit sitting in a locked in that account at a sitting in a locked in that account at a sitting in a locked in that account at a conservative 4% costs you 4,000 ringgit conservative 4% costs you 4,000 ringgit conservative 4% costs you 4,000 ringgit a year in returns you never earn. 8,000 a year in returns you never earn. 8,000 a year in returns you never earn. 8,000 if you have a decent investment if you have a decent investment if you have a decent investment portfolio. At 990 US dollars, that's $82 portfolio. At 990 US dollars, that's $82 portfolio. At 990 US dollars, that's $82 a month. So, if the agent says 200,000, a month. So, if the agent says 200,000, a month. So, if the agent says 200,000, your real carry is $164 a month. If they your real carry is $164 a month. If they your real carry is $164 a month. If they say 500,000, it's $400 a month, right?

say 500,000, it's $400 a month, right? say 500,000, it's $400 a month, right? If they say a million, it's $820 a month If they say a million, it's $820 a month If they say a million, it's $820 a month forever on top of the mandatory property forever on top of the mandatory property forever on top of the mandatory property you also have to buy and cannot sell for you also have to buy and cannot sell for you also have to buy and cannot sell for 10 years. My understanding is it's also 10 years. My understanding is it's also 10 years. My understanding is it's also different in different regions. It's different in different regions. It's different in different regions. It's super complicated, right? You can't just super complicated, right? You can't just super complicated, right? You can't just do the basic arithmetic. And the only do the basic arithmetic. And the only do the basic arithmetic. And the only number that makes MM2H comparable to number that makes MM2H comparable to number that makes MM2H comparable to anything else in the video is that the anything else in the video is that the anything else in the video is that the perk is genuine and it's got better. perk is genuine and it's got better. perk is genuine and it's got better. Malaysia's exemption on foreign sourced Malaysia's exemption on foreign sourced Malaysia's exemption on foreign sourced income for individuals was extended income for individuals was extended income for individuals was extended another 10 years in budget 2026. It now another 10 years in budget 2026. It now another 10 years in budget 2026. It now runs through 2036. That is more runs through 2036. That is more runs through 2036. That is more stability than most countries on this stability than most countries on this stability than most countries on this list offer. Just price the whole list offer. Just price the whole list offer. Just price the whole picture, right? Deposit, property, picture, right? Deposit, property, picture, right? Deposit, property, 10-year resale lock, opportunity cost, 10-year resale lock, opportunity cost, 10-year resale lock, opportunity cost, not headline perk on its own. Quick, not headline perk on its own. Quick, not headline perk on its own. Quick, honest note. I corrected two things in honest note. I corrected two things in honest note. I corrected two things in the script before I shot it, cuz that is the script before I shot it, cuz that is the script before I shot it, cuz that is how often it changes. Albania is no how often it changes. Albania is no how often it changes. Albania is no longer under a thousand a month country, longer under a thousand a month country, longer under a thousand a month country, as I have called it multiple times. And as I have called it multiple times. And as I have called it multiple times. And I pulled the Malaysian deposit figure I pulled the Malaysian deposit figure I pulled the Malaysian deposit figure entirely because three sources gave me entirely because three sources gave me entirely because three sources gave me three different numbers. three different numbers. three different numbers. >> What the >> What the >> What the >> Right? A video is like a photograph. It >> Right? A video is like a photograph. It >> Right? A video is like a photograph. It is changed the moment is over as soon as is changed the moment is over as soon as is changed the moment is over as soon as I shoot it. If you want to book a call I shoot it. If you want to book a call I shoot it. If you want to book a call with me, right?

with me, right? with me, right? That when you can bring your actual That when you can bring your actual That when you can bring your actual numbers, your actual income, your actual numbers, your actual income, your actual numbers, your actual income, your actual timeline, and we'll know whether the timeline, and we'll know whether the timeline, and we'll know whether the window is still open for you for any of window is still open for you for any of window is still open for you for any of these countries. That's why I have a these countries. That's why I have a these countries. That's why I have a membership, the deeper version with my membership, the deeper version with my membership, the deeper version with my videos, my courses, right? There's a DIY videos, my courses, right? There's a DIY videos, my courses, right? There's a DIY tier where you can do it yourself. You tier where you can do it yourself. You tier where you can do it yourself. You just get access to everything. There's a just get access to everything. There's a just get access to everything. There's a guided tier, there's a full service tier guided tier, there's a full service tier guided tier, there's a full service tier where I put an action plan and timeline where I put an action plan and timeline where I put an action plan and timeline together for you after we get on a call. together for you after we get on a call. together for you after we get on a call. Now, number one, Portugal. Now, number one, Portugal. Now, number one, Portugal. Number one because it's about to get Number one because it's about to get Number one because it's about to get more expensive. It already did. It's more expensive. It already did. It's more expensive. It already did. It's here because it's the finished example here because it's the finished example here because it's the finished example of the exact pattern I want you watching of the exact pattern I want you watching of the exact pattern I want you watching for everywhere else. A decade ago, for everywhere else. A decade ago, for everywhere else. A decade ago, Portugal was the darling of this entire Portugal was the darling of this entire Portugal was the darling of this entire genre. Vietnam might be it right now. genre. Vietnam might be it right now. genre. Vietnam might be it right now. Cheap, gorgeous, favorable tax regime, Cheap, gorgeous, favorable tax regime, Cheap, gorgeous, favorable tax regime, real golden visa route. Today, almost real golden visa route. Today, almost real golden visa route. Today, almost all of that is gone. The old NHR regime all of that is gone. The old NHR regime all of that is gone. The old NHR regime was wound down or replaced a narrow one was wound down or replaced a narrow one was wound down or replaced a narrow one built for high-skilled professionals, built for high-skilled professionals, built for high-skilled professionals, medicine, engineering, IT exacts. medicine, engineering, IT exacts. medicine, engineering, IT exacts. Retirees don't qualify. Foreign pension Retirees don't qualify. Foreign pension Retirees don't qualify. Foreign pension income is no longer exempt. It's taxed income is no longer exempt. It's taxed income is no longer exempt. It's taxed under Portugal's normal brackets, which under Portugal's normal brackets, which under Portugal's normal brackets, which top out at 48%. The real estate golden top out at 48%. The real estate golden top out at 48%. The real estate golden visa route closed years ago. The visa route closed years ago. The visa route closed years ago. The timeline to citizenship for most non-EU timeline to citizenship for most non-EU timeline to citizenship for most non-EU nationals was stretched from 5 years to nationals was stretched from 5 years to nationals was stretched from 5 years to 10 years and it was backlogged, right?

10 years and it was backlogged, right? 10 years and it was backlogged, right? The last one needs a real caveat. The The last one needs a real caveat. The The last one needs a real caveat. The nationality law passed parliament and nationality law passed parliament and nationality law passed parliament and was signed but golden visa investors was signed but golden visa investors was signed but golden visa investors filed a constitutional challenge in filed a constitutional challenge in filed a constitutional challenge in December 2025 and it hasn't been December 2025 and it hasn't been December 2025 and it hasn't been resolved. Do you want to go to court resolved. Do you want to go to court resolved. Do you want to go to court over your retirement visa? over your retirement visa? over your retirement visa? There's no grandfather clause for people There's no grandfather clause for people There's no grandfather clause for people already partway through the old 5-year already partway through the old 5-year already partway through the old 5-year clock or behind. Clocks only starting clock or behind. Clocks only starting clock or behind. Clocks only starting when your actual residence permit is when your actual residence permit is when your actual residence permit is issued, not when you apply, which in issued, not when you apply, which in issued, not when you apply, which in practice pushes the real timeline past practice pushes the real timeline past practice pushes the real timeline past 11 years, right? Verify the current 11 years, right? Verify the current 11 years, right? Verify the current legal status before you build anything legal status before you build anything legal status before you build anything on it. The point of this video is that on it. The point of this video is that on it. The point of this video is that places change and they change fast. As places change and they change fast. As places change and they change fast. As more and more Americans are leaving, as more and more Americans are leaving, as more and more Americans are leaving, as more and more Canadians, the UK, and more and more Canadians, the UK, and more and more Canadians, the UK, and Aussies are leaving, right? You lose Aussies are leaving, right? You lose Aussies are leaving, right? You lose factually when you wait on this stuff. factually when you wait on this stuff. factually when you wait on this stuff. It's just real, right? Say you have a It's just real, right? Say you have a It's just real, right? Say you have a 36,000 euro pension. 3,000 a month under 36,000 euro pension. 3,000 a month under 36,000 euro pension. 3,000 a month under the old NHRA, you paid a flat 10% on the old NHRA, you paid a flat 10% on the old NHRA, you paid a flat 10% on foreign pension income, 3,600 euros a foreign pension income, 3,600 euros a foreign pension income, 3,600 euros a year. Under Portugal's standard 2026 year. Under Portugal's standard 2026 year. Under Portugal's standard 2026 brackets, 36,000 euros sits in 34.9% brackets, 36,000 euros sits in 34.9% brackets, 36,000 euros sits in 34.9% band, and after the standard credit, band, and after the standard credit, band, and after the standard credit, your actual bill is 8,354 your actual bill is 8,354 your actual bill is 8,354 euros in tax, an effective tax rate of euros in tax, an effective tax rate of euros in tax, an effective tax rate of 23%.

23%. 23%. Thailand is taxing anyone over 183 days. Thailand is taxing anyone over 183 days. Thailand is taxing anyone over 183 days. This is happening everywhere, folks. You This is happening everywhere, folks. You This is happening everywhere, folks. You know, that's why something like Malaysia know, that's why something like Malaysia know, that's why something like Malaysia is so advantageous. It costs you money is so advantageous. It costs you money is so advantageous. It costs you money to retire in some of these places now. to retire in some of these places now. to retire in some of these places now. Mexico costs way more money per month Mexico costs way more money per month Mexico costs way more money per month than it used to. It's happening across than it used to. It's happening across than it used to. It's happening across the world because more and more retirees the world because more and more retirees the world because more and more retirees are leaving America where they can't are leaving America where they can't are leaving America where they can't afford to retire. This is why I keep afford to retire. This is why I keep afford to retire. This is why I keep saying timing is a financial decision, saying timing is a financial decision, saying timing is a financial decision, not a scheduling one, right? Rents in not a scheduling one, right? Rents in not a scheduling one, right? Rents in Lisbon and Mexico City climbed to places Lisbon and Mexico City climbed to places Lisbon and Mexico City climbed to places that would embarrass people in the that would embarrass people in the that would embarrass people in the Midwest, driven by this kind of foreign Midwest, driven by this kind of foreign Midwest, driven by this kind of foreign demand, right? The more people come, the demand, right? The more people come, the demand, right? The more people come, the more prices go up. A country gets more prices go up. A country gets more prices go up. A country gets discovered by exactly this kind of discovered by exactly this kind of discovered by exactly this kind of content, this video, cheap, beautiful, content, this video, cheap, beautiful, content, this video, cheap, beautiful, easy, and the discovery itself changes easy, and the discovery itself changes easy, and the discovery itself changes the math. Foreign money flows in and the math. Foreign money flows in and the math. Foreign money flows in and competes with locals for the same competes with locals for the same competes with locals for the same housing. Locals push back, they build housing. Locals push back, they build housing. Locals push back, they build new properties, governments respond by new properties, governments respond by new properties, governments respond by tightening the programs that made the tightening the programs that made the tightening the programs that made the country attractive in the first place. country attractive in the first place. country attractive in the first place. It can crash housing markets, it can It can crash housing markets, it can It can crash housing markets, it can create intense animosity. Places get create intense animosity. Places get create intense animosity. Places get expensive because they get popular, and expensive because they get popular, and expensive because they get popular, and popularity is a countdown timer, not a popularity is a countdown timer, not a popularity is a countdown timer, not a feature. The sequence, so you recognize feature. The sequence, so you recognize feature. The sequence, so you recognize it elsewhere. First, a favorable tax it elsewhere. First, a favorable tax it elsewhere. First, a favorable tax regime or an easy investment visa puts regime or an easy investment visa puts regime or an easy investment visa puts the country on every best place to go the country on every best place to go the country on every best place to go list. Second, arrivals visibly move list. Second, arrivals visibly move list. Second, arrivals visibly move rents in the specific neighborhoods rents in the specific neighborhoods rents in the specific neighborhoods those arrivals cluster in. Third, local those arrivals cluster in. Third, local those arrivals cluster in. Third, local political pressure builds because locals political pressure builds because locals political pressure builds because locals feel it first and get loudest and feel it first and get loudest and feel it first and get loudest and angriest. Fourth, the government pulls angriest. Fourth, the government pulls angriest. Fourth, the government pulls the most visible levers, which are the the most visible levers, which are the the most visible levers, which are the ones that made the country attractive in ones that made the country attractive in ones that made the country attractive in the first place. It's a vicious cycle.

the first place. It's a vicious cycle. the first place. It's a vicious cycle. Portugal did the entire thing in under a Portugal did the entire thing in under a Portugal did the entire thing in under a decade, right? Wherever you're looking, decade, right? Wherever you're looking, decade, right? Wherever you're looking, you want to get in now. The point is to you want to get in now. The point is to you want to get in now. The point is to lock in what's being offered now when lock in what's being offered now when lock in what's being offered now when you're doing your research rather than you're doing your research rather than you're doing your research rather than waiting until everything changes in 2 waiting until everything changes in 2 waiting until everything changes in 2 years, in 5 years, etc., right? years, in 5 years, etc., right? years, in 5 years, etc., right? Basically, before the counter argument, Basically, before the counter argument, Basically, before the counter argument, here's the whole video in one table, here's the whole video in one table, here's the whole video in one table, right? Single person, everything right? Single person, everything right? Single person, everything including a one-bedroom outside the city including a one-bedroom outside the city including a one-bedroom outside the city center, Ho Chi Minh, can still be done center, Ho Chi Minh, can still be done center, Ho Chi Minh, can still be done for 750, Non Peng can be done for 970, for 750, Non Peng can be done for 970, for 750, Non Peng can be done for 970, Bangkok can be done for 1,060, Tirana Bangkok can be done for 1,060, Tirana Bangkok can be done for 1,060, Tirana 1,080. 1,080. 1,080. Porto is going to be 1,500, roughly Porto is going to be 1,500, roughly Porto is going to be 1,500, roughly $1,800 in Lisbon. Look at the order, $1,800 in Lisbon. Look at the order, $1,800 in Lisbon. Look at the order, right? The two countries with the right? The two countries with the right? The two countries with the loosest visa rules are the two cheapest loosest visa rules are the two cheapest loosest visa rules are the two cheapest places to live right now. And the places to live right now. And the places to live right now. And the country with the most formalized and country with the most formalized and country with the most formalized and most tightened system costs more than most tightened system costs more than most tightened system costs more than double the cheapest. Mexico's more than double the cheapest. Mexico's more than double the cheapest. Mexico's more than that. This isn't a coincidence. It's not that. This isn't a coincidence. It's not that. This isn't a coincidence. It's not a warning about Portugal. It's just the a warning about Portugal. It's just the a warning about Portugal. It's just the arc, right? Cheap and loose becomes arc, right? Cheap and loose becomes arc, right? Cheap and loose becomes expensive and formal in that order every expensive and formal in that order every expensive and formal in that order every single time. The only variable is when single time. The only variable is when single time. The only variable is when you decide to arrive. Now, the other you decide to arrive. Now, the other you decide to arrive. Now, the other side, right? Because yes, there's side, right? Because yes, there's side, right? Because yes, there's urgency, but you also need honesty. Not urgency, but you also need honesty. Not urgency, but you also need honesty. Not every country follows this timeline. Not every country follows this timeline. Not every country follows this timeline. Not every place is the same. I'm not telling every place is the same. I'm not telling every place is the same. I'm not telling you that everywhere that's affordable you that everywhere that's affordable you that everywhere that's affordable now will be expensive later. Some places now will be expensive later. Some places now will be expensive later. Some places stay affordable for decades. Some places stay affordable for decades. Some places stay affordable for decades. Some places have multiple crashes like Argentina have multiple crashes like Argentina have multiple crashes like Argentina because the government has no interest because the government has no interest because the government has no interest or can't hold their together, or can't hold their together, or can't hold their together, right? Some corners of other countries right? Some corners of other countries right? Some corners of other countries will stay affordable for basically

will stay affordable for basically will stay affordable for basically forever because their economy is not forever because their economy is not forever because their economy is not great. I didn't even to the Philippines. great. I didn't even to the Philippines. great. I didn't even to the Philippines. Some of you might be thinking of that Some of you might be thinking of that Some of you might be thinking of that place, right? I don't want you panicking place, right? I don't want you panicking place, right? I don't want you panicking to make a decision that's wrong for your to make a decision that's wrong for your to make a decision that's wrong for your life because a calendar day is coming life because a calendar day is coming life because a calendar day is coming up. What I'm telling you is that if up. What I'm telling you is that if up. What I'm telling you is that if you've been sitting on the fence about you've been sitting on the fence about you've been sitting on the fence about one of these five countries, one of these five countries, one of these five countries, waiting has a cost that never shows up. waiting has a cost that never shows up. waiting has a cost that never shows up. It's not measured just in dollars you It's not measured just in dollars you It's not measured just in dollars you spend. It's also measured in the price spend. It's also measured in the price spend. It's also measured in the price of your good years. Every year of of your good years. Every year of of your good years. Every year of hesitation is year the window closes a hesitation is year the window closes a hesitation is year the window closes a little bit more, and unlike almost every little bit more, and unlike almost every little bit more, and unlike almost every other financial decision in your life, other financial decision in your life, other financial decision in your life, wait and see is not neutral when it wait and see is not neutral when it wait and see is not neutral when it comes to retiring abroad. I've watched comes to retiring abroad. I've watched comes to retiring abroad. I've watched people take a video exactly like this people take a video exactly like this people take a video exactly like this one, make a bad decision with it. I one, make a bad decision with it. I one, make a bad decision with it. I don't want you to do that, right? Don't don't want you to do that, right? Don't don't want you to do that, right? Don't just book a flight to a country you just book a flight to a country you just book a flight to a country you barely researched or sign a lease sight barely researched or sign a lease sight barely researched or sign a lease sight unseen because of a YouTube video. unseen because of a YouTube video. unseen because of a YouTube video. That's not the goal. The goal is just to That's not the goal. The goal is just to That's not the goal. The goal is just to make sure you understand when you're make sure you understand when you're make sure you understand when you're doing your research phases that things doing your research phases that things doing your research phases that things are ever-changing and constant. Talk to are ever-changing and constant. Talk to are ever-changing and constant. Talk to people who've lived there for a full people who've lived there for a full people who've lived there for a full year, for multiple years, run your own year, for multiple years, run your own year, for multiple years, run your own numbers against your own life, check numbers against your own life, check numbers against your own life, check Numbeo frequently. Urgency should Numbeo frequently. Urgency should Numbeo frequently. Urgency should compress your timeline for gathering compress your timeline for gathering compress your timeline for gathering information, but it shouldn't replace information, but it shouldn't replace information, but it shouldn't replace it, right? So, there's your five: it, right? So, there's your five: it, right? So, there's your five: Cambodia, where the rule everyone quotes Cambodia, where the rule everyone quotes Cambodia, where the rule everyone quotes is not actually written down. Albania, is not actually written down. Albania, is not actually written down. Albania, cheap today, but as it moves towards EU, cheap today, but as it moves towards EU, cheap today, but as it moves towards EU, I promise you it won't be. Thailand, I promise you it won't be. Thailand, I promise you it won't be. Thailand, retiring its most affordable tier on retiring its most affordable tier on retiring its most affordable tier on September 30th. Malaysia, restructured September 30th. Malaysia, restructured September 30th. Malaysia, restructured four times in the last six years, only four times in the last six years, only four times in the last six years, only moving up. And Portugal, the finished moving up. And Portugal, the finished moving up. And Portugal, the finished example of where this ends up if you example of where this ends up if you example of where this ends up if you wait long enough to find out. None of

wait long enough to find out. None of wait long enough to find out. None of this means panic, it just means clarity. this means panic, it just means clarity. this means panic, it just means clarity. If one of these is already on your list, If one of these is already on your list, If one of these is already on your list, I would strongly suggest treating I would strongly suggest treating I would strongly suggest treating someday someday someday as a day a lot sooner. If none of them's as a day a lot sooner. If none of them's as a day a lot sooner. If none of them's on your list, if you're more interested on your list, if you're more interested on your list, if you're more interested in Vietnam, whatever, wherever you're in Vietnam, whatever, wherever you're in Vietnam, whatever, wherever you're looking, if it's in Southeast Asia, looking, if it's in Southeast Asia, looking, if it's in Southeast Asia, always ask the same questions. Is it always ask the same questions. Is it always ask the same questions. Is it being being discovered? Is it trending, being being discovered? Is it trending, being being discovered? Is it trending, right? Are rents in the popular right? Are rents in the popular right? Are rents in the popular neighborhoods already moving? Is there neighborhoods already moving? Is there neighborhoods already moving? Is there visible local pushback yet? Has the visible local pushback yet? Has the visible local pushback yet? Has the government made even one small government made even one small government made even one small tightening move recently? Answer yes to tightening move recently? Answer yes to tightening move recently? Answer yes to two or more and you're looking at a two or more and you're looking at a two or more and you're looking at a possible trend. Obviously, if you want possible trend. Obviously, if you want possible trend. Obviously, if you want help figuring out the specifics for your help figuring out the specifics for your help figuring out the specifics for your own situation, your own timeline, you own situation, your own timeline, you own situation, your own timeline, you want to create a real action plan and want to create a real action plan and want to create a real action plan and start moving it. That's a conversation start moving it. That's a conversation start moving it. That's a conversation that happens in the that happens in the that happens in the costoflivingabroad.com costoflivingabroad.com costoflivingabroad.com or my membership and live sessions live. or my membership and live sessions live. or my membership and live sessions live. The links for all that are in the The links for all that are in the The links for all that are in the description. You can also comment news description. You can also comment news description. You can also comment news for my regular newsletter and I'll keep for my regular newsletter and I'll keep for my regular newsletter and I'll keep tracking every one of these shifts and tracking every one of these shifts and tracking every one of these shifts and you can hear from me regularly when all you can hear from me regularly when all you can hear from me regularly when all my videos come out. I'm having a retired my videos come out. I'm having a retired my videos come out. I'm having a retired early in Vietnam. I'll see you in the early in Vietnam. I'll see you in the early in Vietnam. I'll see you in the next one. If you want to watch some of next one. If you want to watch some of next one. If you want to watch some of the places I think are best for older the places I think are best for older the places I think are best for older folks like my parents, you can check out folks like my parents, you can check out folks like my parents, you can check out this video here. Or if you want to know this video here. Or if you want to know this video here. Or if you want to know some of the places I think are best if some of the places I think are best if some of the places I think are best if you're going to do a slow nomadic travel you're going to do a slow nomadic travel you're going to do a slow nomadic travel around Southeast Asia on the loop, you around Southeast Asia on the loop, you around Southeast Asia on the loop, you can watch this one. Take care.