My Retirement Plan. This is where I am retiring.

I finally decided where to retire. I finally decided where to retire. Here are the factors I considered to Here are the factors I considered to Here are the factors I considered to decide where and how I would retire. decide where and how I would retire. decide where and how I would retire. And then I'll talk about where. And then I'll talk about where. And then I'll talk about where. So, tax. So, tax. So, tax. My decision considers tax My decision considers tax My decision considers tax consequences, which I'll explain. consequences, which I'll explain. consequences, which I'll explain. The weather. The weather. The weather. My destination includes the weather, My destination includes the weather, My destination includes the weather, where I feel most comfortable where I feel most comfortable where I feel most comfortable weather-wise, and weather-wise, and weather-wise, and where it's easiest to shelter for a few where it's easiest to shelter for a few where it's easiest to shelter for a few months in a nearby place if the weather months in a nearby place if the weather months in a nearby place if the weather gets unbearable. gets unbearable. gets unbearable. Food. My decision includes food, where Food. My decision includes food, where Food. My decision includes food, where the food has the most international the food has the most international the food has the most international diversity, but I also love the local diversity, but I also love the local diversity, but I also love the local food, and the prices are fair for my food, and the prices are fair for my food, and the prices are fair for my meals. meals. meals. Safety. My decision includes safety, Safety. My decision includes safety, Safety. My decision includes safety, where I feel safe in the world, and where I feel safe in the world, and where I feel safe in the world, and where I'm not looking over my shoulder where I'm not looking over my shoulder where I'm not looking over my shoulder all the time. all the time. all the time. Health care. My decision includes health Health care. My decision includes health Health care. My decision includes health care, places where I feel the health care, places where I feel the health care, places where I feel the health care is done well and is appropriately care is done well and is appropriately care is done well and is appropriately priced, and where I have confidence in priced, and where I have confidence in priced, and where I have confidence in the doctors that I've met there.

the doctors that I've met there. the doctors that I've met there. Travel. My decision considers my love of Travel. My decision considers my love of Travel. My decision considers my love of travel, the fact that I still like to travel, the fact that I still like to travel, the fact that I still like to spend a good portion of the year spend a good portion of the year spend a good portion of the year enjoying other parts of the world rather enjoying other parts of the world rather enjoying other parts of the world rather than being stationary for 10 or 11 than being stationary for 10 or 11 than being stationary for 10 or 11 months of the year. months of the year. months of the year. But it includes nearby interesting But it includes nearby interesting But it includes nearby interesting places that I can go to for a month or places that I can go to for a month or places that I can go to for a month or two for a change of pace. two for a change of pace. two for a change of pace. Walkability. My decision includes Walkability. My decision includes Walkability. My decision includes walkability, which means I can walk out walkability, which means I can walk out walkability, which means I can walk out my front door and within a few my front door and within a few my front door and within a few kilometers, or within a half mile say, kilometers, or within a half mile say, kilometers, or within a half mile say, there are restaurants, coffee shops, there are restaurants, coffee shops, there are restaurants, coffee shops, nightlife, parks, water, things to do, nightlife, parks, water, things to do, nightlife, parks, water, things to do, shopping. shopping. shopping. I don't want to have to get in my car in I don't want to have to get in my car in I don't want to have to get in my car in retirement. I can rent a car for a long retirement. I can rent a car for a long retirement. I can rent a car for a long weekend or a week or whatever, maybe weekend or a week or whatever, maybe weekend or a week or whatever, maybe once a year if I want to get off the once a year if I want to get off the once a year if I want to get off the beaten path somewhere that sounds beaten path somewhere that sounds beaten path somewhere that sounds interesting. But I I don't want it to be interesting. But I I don't want it to be interesting. But I I don't want it to be a part of my daily life getting in a a part of my daily life getting in a a part of my daily life getting in a car. car. car. Adaptability. I want to live in a region Adaptability. I want to live in a region Adaptability. I want to live in a region of the world where there are nearby of the world where there are nearby of the world where there are nearby backup plans.

backup plans. backup plans. So if the country where I'm retired So if the country where I'm retired So if the country where I'm retired mainly decides to go sideways on their mainly decides to go sideways on their mainly decides to go sideways on their treatment of expats like me, I have treatment of expats like me, I have treatment of expats like me, I have other choices nearby. other choices nearby. other choices nearby. I don't have to fly halfway around the I don't have to fly halfway around the I don't have to fly halfway around the world. world. world. When I think of taxes, weather, food, When I think of taxes, weather, food, When I think of taxes, weather, food, safety, health care, safety, health care, safety, health care, my love of travel, walkability, and my love of travel, walkability, and my love of travel, walkability, and nearby backup plans, nearby backup plans, nearby backup plans, there's one part of the world that rises there's one part of the world that rises there's one part of the world that rises to the top of my mind, and it's to the top of my mind, and it's to the top of my mind, and it's it's the part of world that supports my it's the part of world that supports my it's the part of world that supports my retirement dreams, which are as follows. retirement dreams, which are as follows. retirement dreams, which are as follows. After 19 years in 78 countries, and After 19 years in 78 countries, and After 19 years in 78 countries, and calculating the cost of living, and all calculating the cost of living, and all calculating the cost of living, and all the pros and cons in living in all these the pros and cons in living in all these the pros and cons in living in all these different 78 countries, here's what I different 78 countries, here's what I different 78 countries, here's what I see as my retirement plan. This is Dan's see as my retirement plan. This is Dan's see as my retirement plan. This is Dan's retirement plan. retirement plan. retirement plan. Taxes. Let's start with taxes. Laws Taxes. Let's start with taxes. Laws Taxes. Let's start with taxes. Laws change all the time, but in Southeast change all the time, but in Southeast change all the time, but in Southeast Asia, there's no country that taxes you Asia, there's no country that taxes you Asia, there's no country that taxes you on foreign source income if you're in on foreign source income if you're in on foreign source income if you're in that country less than 180 days per that country less than 180 days per that country less than 180 days per calendar year.

calendar year. calendar year. There are lots of nuances to this There are lots of nuances to this There are lots of nuances to this information, so be sure to clear it with information, so be sure to clear it with information, so be sure to clear it with your accountant before making any final your accountant before making any final your accountant before making any final decisions. decisions. decisions. But as a layman, that means I could But as a layman, that means I could But as a layman, that means I could spend 4 months in any of these three spend 4 months in any of these three spend 4 months in any of these three countries, or four, or five, six countries, or four, or five, six countries, or four, or five, six countries in Southeast Asia during any countries in Southeast Asia during any countries in Southeast Asia during any calendar year, calendar year, calendar year, so long as they added up to less than so long as they added up to less than so long as they added up to less than 180 days in each country, and I would 180 days in each country, and I would 180 days in each country, and I would not be taxed on my foreign source income not be taxed on my foreign source income not be taxed on my foreign source income in any of those countries. in any of those countries. in any of those countries. If I wanted to, I could even get a If I wanted to, I could even get a If I wanted to, I could even get a retirement visa say in Thailand, retirement visa say in Thailand, retirement visa say in Thailand, and it would not be taxed on foreign and it would not be taxed on foreign and it would not be taxed on foreign source income if I stay in Thailand less source income if I stay in Thailand less source income if I stay in Thailand less than 180 days per year. And if something than 180 days per year. And if something than 180 days per year. And if something happened where I had to stay in Thailand happened where I had to stay in Thailand happened where I had to stay in Thailand for more than 180 days in any given for more than 180 days in any given for more than 180 days in any given year, year, year, I would only be taxed on foreign source I would only be taxed on foreign source I would only be taxed on foreign source income that was remitted into Thailand, income that was remitted into Thailand, income that was remitted into Thailand, not stuff that I didn't bring into not stuff that I didn't bring into not stuff that I didn't bring into Thailand. Plus, Thailand has an Thailand. Plus, Thailand has an Thailand. Plus, Thailand has an agreement with some countries, including agreement with some countries, including agreement with some countries, including the United States, that says that if I the United States, that says that if I the United States, that says that if I stay more than 180 days per year in stay more than 180 days per year in stay more than 180 days per year in Thailand and I bring in my US Social Thailand and I bring in my US Social Thailand and I bring in my US Social Security into Thailand, Security into Thailand, Security into Thailand, it will not be taxed.

it will not be taxed. it will not be taxed. So, if I wanted to stay in Thailand for So, if I wanted to stay in Thailand for So, if I wanted to stay in Thailand for say 7 months or 8 months, you know, for say 7 months or 8 months, you know, for say 7 months or 8 months, you know, for more than 6 months for some reason, I more than 6 months for some reason, I more than 6 months for some reason, I would only bring in my Social Security would only bring in my Social Security would only bring in my Social Security and it presumably would not be taxed. and it presumably would not be taxed. and it presumably would not be taxed. So, by splitting my year into three or So, by splitting my year into three or So, by splitting my year into three or more countries in any calendar year, more countries in any calendar year, more countries in any calendar year, I would not pay any taxes in Southeast I would not pay any taxes in Southeast I would not pay any taxes in Southeast Asia. Asia. Asia. So, for the next few items on my list, So, for the next few items on my list, So, for the next few items on my list, I'll assume that I spend no more than 4 I'll assume that I spend no more than 4 I'll assume that I spend no more than 4 months in any country in Southeast Asia months in any country in Southeast Asia months in any country in Southeast Asia per year. I could, for example, move in per year. I could, for example, move in per year. I could, for example, move in a circular pattern from country to a circular pattern from country to a circular pattern from country to country, whichever one I felt like going country, whichever one I felt like going country, whichever one I felt like going to during that part of the year. to during that part of the year. to during that part of the year. And I would not be taxed. Food. And I would not be taxed. Food. And I would not be taxed. Food. Next is food. Asian food is my favorite Next is food. Asian food is my favorite Next is food. Asian food is my favorite in the world. in the world. in the world. I honestly believe that the reason I honestly believe that the reason I honestly believe that the reason Asians are generally in much better Asians are generally in much better Asians are generally in much better shape than Europeans or Latin Americans shape than Europeans or Latin Americans shape than Europeans or Latin Americans is because they're eating food that's is because they're eating food that's is because they're eating food that's healthier for them. healthier for them. healthier for them. Plus, if I get an urge for Western food Plus, if I get an urge for Western food Plus, if I get an urge for Western food or Latin American food, European food, or Latin American food, European food, or Latin American food, European food, it's all it's all it's all it's in all the larger cities in it's in all the larger cities in it's in all the larger cities in Southeast Asia.

Southeast Asia. Southeast Asia. So, when the mood strikes, I can have a So, when the mood strikes, I can have a So, when the mood strikes, I can have a pizza or pasta or sushi. I can have pizza or pasta or sushi. I can have pizza or pasta or sushi. I can have Greek food or Lebanese food. All of my Greek food or Lebanese food. All of my Greek food or Lebanese food. All of my favorite foods are in Southeast Asia. favorite foods are in Southeast Asia. favorite foods are in Southeast Asia. What about safety? Next up is safety. I What about safety? Next up is safety. I What about safety? Next up is safety. I feel safer almost anywhere in Southeast feel safer almost anywhere in Southeast feel safer almost anywhere in Southeast Asia Asia Asia than I do anywhere in Latin America or than I do anywhere in Latin America or than I do anywhere in Latin America or Europe. Europe. Europe. Part of it is I'm 6 ft, 185 lb, and I'm Part of it is I'm 6 ft, 185 lb, and I'm Part of it is I'm 6 ft, 185 lb, and I'm in pretty good shape. So, I'm not a soft in pretty good shape. So, I'm not a soft in pretty good shape. So, I'm not a soft target, and I'm bigger than the average target, and I'm bigger than the average target, and I'm bigger than the average person in Asia. But, that's merely a person in Asia. But, that's merely a person in Asia. But, that's merely a confidence factor. The truth is when I'm confidence factor. The truth is when I'm confidence factor. The truth is when I'm out late at night in Latin America or out late at night in Latin America or out late at night in Latin America or Europe, I know there's a chance Europe, I know there's a chance Europe, I know there's a chance something could happen. But, I just something could happen. But, I just something could happen. But, I just don't have that fear when I'm in don't have that fear when I'm in don't have that fear when I'm in Southeast Asia. Southeast Asia. Southeast Asia. Okay, health care. I was in the hospital Okay, health care. I was in the hospital Okay, health care. I was in the hospital for 5 days while I was in Asia. for 5 days while I was in Asia. for 5 days while I was in Asia. It was almost 20 years ago, but the bill It was almost 20 years ago, but the bill It was almost 20 years ago, but the bill was $1,600. was $1,600. was $1,600. That's not the deductible. That's the That's not the deductible. That's the That's not the deductible. That's the whole bill. At the time, I was told the whole bill. At the time, I was told the whole bill. At the time, I was told the bill would have been 40 to 80,000 in the bill would have been 40 to 80,000 in the bill would have been 40 to 80,000 in the US.

US. US. About 11 years ago, a friend of mine was About 11 years ago, a friend of mine was About 11 years ago, a friend of mine was in the hospital in Thailand for 3 days. in the hospital in Thailand for 3 days. in the hospital in Thailand for 3 days. The whole bill was $3,600. The whole bill was $3,600. The whole bill was $3,600. Since that time, I've talked to hundreds Since that time, I've talked to hundreds Since that time, I've talked to hundreds of people who've been in the hospital of people who've been in the hospital of people who've been in the hospital and had all different kinds of and had all different kinds of and had all different kinds of treatments, including cancer, heart treatments, including cancer, heart treatments, including cancer, heart disease. Their bills have been a disease. Their bills have been a disease. Their bills have been a fraction of what they would have been in fraction of what they would have been in fraction of what they would have been in the US, and they all rave about the care the US, and they all rave about the care the US, and they all rave about the care they got. they got. they got. I just haven't had enough hospital I just haven't had enough hospital I just haven't had enough hospital experience in Latin America to really experience in Latin America to really experience in Latin America to really comment on the cost. But, many people comment on the cost. But, many people comment on the cost. But, many people say the care is very good there, and the say the care is very good there, and the say the care is very good there, and the costs we spend are pretty reasonable, costs we spend are pretty reasonable, costs we spend are pretty reasonable, too. So, because of the lack of too. So, because of the lack of too. So, because of the lack of information, I tend to appreciate information, I tend to appreciate information, I tend to appreciate Southeast Asia because I just have more Southeast Asia because I just have more Southeast Asia because I just have more evidence about the health care there. evidence about the health care there. evidence about the health care there. Okay, let's talk about travel. Even if I Okay, let's talk about travel. Even if I Okay, let's talk about travel. Even if I were settled down in one place, there's were settled down in one place, there's were settled down in one place, there's a good chance I'll still want to spend 3 a good chance I'll still want to spend 3 a good chance I'll still want to spend 3 to 6 months of the year slow traveling to 6 months of the year slow traveling to 6 months of the year slow traveling to countries around it. I just love new to countries around it. I just love new to countries around it. I just love new experiences, seeing new places, and experiences, seeing new places, and experiences, seeing new places, and learning about the beautiful world.

learning about the beautiful world. learning about the beautiful world. I would say both Europe and Latin I would say both Europe and Latin I would say both Europe and Latin America have a lot of great places that America have a lot of great places that America have a lot of great places that you can see. So, they also are very you can see. So, they also are very you can see. So, they also are very strong in the travel department. The strong in the travel department. The strong in the travel department. The problem with Latin America is there's problem with Latin America is there's problem with Latin America is there's not enough competition in in air fares. not enough competition in in air fares. not enough competition in in air fares. So, even flying to a nearby country in So, even flying to a nearby country in So, even flying to a nearby country in Latin America, it's not unusual to have Latin America, it's not unusual to have Latin America, it's not unusual to have a have to pay 300 to 500 for a round a have to pay 300 to 500 for a round a have to pay 300 to 500 for a round trip airfare to a country next door. trip airfare to a country next door. trip airfare to a country next door. Europe has cheaper airfares by far than Europe has cheaper airfares by far than Europe has cheaper airfares by far than Latin America. The problem with Europe Latin America. The problem with Europe Latin America. The problem with Europe is that after you land, you have to pay is that after you land, you have to pay is that after you land, you have to pay the outrageous hotel bills or Airbnb the outrageous hotel bills or Airbnb the outrageous hotel bills or Airbnb bills and the restaurant bills. The cost bills and the restaurant bills. The cost bills and the restaurant bills. The cost of enjoying Europe is so much higher of enjoying Europe is so much higher of enjoying Europe is so much higher than Southeast Asia. than Southeast Asia. than Southeast Asia. Given the world is a beautiful place, Given the world is a beautiful place, Given the world is a beautiful place, and I really love what I've seen in and I really love what I've seen in and I really love what I've seen in Southeast Asia, Southeast Asia, Southeast Asia, I still would pick it over Latin America I still would pick it over Latin America I still would pick it over Latin America or Europe because it's not only or Europe because it's not only or Europe because it's not only accessible, accessible, accessible, but it's affordable. I will still slow but it's affordable. I will still slow but it's affordable. I will still slow travel to Latin America or Europe, but travel to Latin America or Europe, but travel to Latin America or Europe, but it won't be as often and it won't be as it won't be as often and it won't be as it won't be as often and it won't be as for as long because of the price for as long because of the price for as long because of the price prices are just so much higher.

prices are just so much higher. prices are just so much higher. Okay, walkability. Okay, walkability. Okay, walkability. Southeast Asia is not such an easy win Southeast Asia is not such an easy win Southeast Asia is not such an easy win when it comes to walkability. when it comes to walkability. when it comes to walkability. Both Latin America and Europe have Both Latin America and Europe have Both Latin America and Europe have gorgeous city centers with cobblestone gorgeous city centers with cobblestone gorgeous city centers with cobblestone streets, restaurants, coffee shops, streets, restaurants, coffee shops, streets, restaurants, coffee shops, nightlife, and a multitude of things to nightlife, and a multitude of things to nightlife, and a multitude of things to do to have a good time. do to have a good time. do to have a good time. So, walkability is more based on the So, walkability is more based on the So, walkability is more based on the city you pick than what part of the city you pick than what part of the city you pick than what part of the world you're in. world you're in. world you're in. But, Latin America's not as walkable at But, Latin America's not as walkable at But, Latin America's not as walkable at night because you have to stay in the night because you have to stay in the night because you have to stay in the lighted areas and watch what's going on lighted areas and watch what's going on lighted areas and watch what's going on around you because of the safety issue, around you because of the safety issue, around you because of the safety issue, which we already discussed. which we already discussed. which we already discussed. Europe has a similar but different Europe has a similar but different Europe has a similar but different problem. Europe feels safer than Latin problem. Europe feels safer than Latin problem. Europe feels safer than Latin America in many respects. America in many respects. America in many respects. But those central cities with But those central cities with But those central cities with cobblestone streets and beautiful cobblestone streets and beautiful cobblestone streets and beautiful architecture and 500-year-old buildings architecture and 500-year-old buildings architecture and 500-year-old buildings are often the most expensive part of the are often the most expensive part of the are often the most expensive part of the country. So again, country. So again, country. So again, the cost can be prohibited if you do not the cost can be prohibited if you do not the cost can be prohibited if you do not have unlimited resources.

have unlimited resources. have unlimited resources. Again, we'll still slow travel to Latin Again, we'll still slow travel to Latin Again, we'll still slow travel to Latin America and Europe, just not as often. America and Europe, just not as often. America and Europe, just not as often. And when we go, it won't be as long. And when we go, it won't be as long. And when we go, it won't be as long. It'll be more like a get in, see what It'll be more like a get in, see what It'll be more like a get in, see what you want to see, and then get out you want to see, and then get out you want to see, and then get out because of the expense. because of the expense. because of the expense. Adaptability. Adaptability is about Adaptability. Adaptability is about Adaptability. Adaptability is about having nearby countries for a backup having nearby countries for a backup having nearby countries for a backup plan in case the country that you're in plan in case the country that you're in plan in case the country that you're in starts getting stingy with their visas starts getting stingy with their visas starts getting stingy with their visas or other problems. or other problems. or other problems. This probably favors Latin America. In This probably favors Latin America. In This probably favors Latin America. In Latin America, you can not only get Latin America, you can not only get Latin America, you can not only get residence, but eventually in many residence, but eventually in many residence, but eventually in many countries, you can get citizenship and a countries, you can get citizenship and a countries, you can get citizenship and a passport. Once you have citizenship and passport. Once you have citizenship and passport. Once you have citizenship and a passport somewhere, it's tougher for a passport somewhere, it's tougher for a passport somewhere, it's tougher for the country to decide they don't want to the country to decide they don't want to the country to decide they don't want to let you come back in. let you come back in. let you come back in. You can also own land in your own name You can also own land in your own name You can also own land in your own name pretty easily in many parts of Latin pretty easily in many parts of Latin pretty easily in many parts of Latin America. America. America. So it's easier to put roots deep in So it's easier to put roots deep in So it's easier to put roots deep in Latin America because of the cost being Latin America because of the cost being Latin America because of the cost being lower and the citizenship and passport lower and the citizenship and passport lower and the citizenship and passport availability. availability. availability. But it takes so long to get that But it takes so long to get that But it takes so long to get that citizenship in many parts or many places citizenship in many parts or many places citizenship in many parts or many places in Latin America that if you had to in Latin America that if you had to in Latin America that if you had to adapt and move to another country to get adapt and move to another country to get adapt and move to another country to get another citizenship, the time could be another citizenship, the time could be another citizenship, the time could be prohibitive.

prohibitive. prohibitive. You may not want to hang out in that You may not want to hang out in that You may not want to hang out in that country continuously for as long as they country continuously for as long as they country continuously for as long as they require to get that citizenship. require to get that citizenship. require to get that citizenship. Europe requires higher incomes than Europe requires higher incomes than Europe requires higher incomes than Latin America for residency. But there Latin America for residency. But there Latin America for residency. But there are exceptions, which we go over in our are exceptions, which we go over in our are exceptions, which we go over in our course and materials. So if you're course and materials. So if you're course and materials. So if you're looking for ease of move, often in looking for ease of move, often in looking for ease of move, often in Southeast Asia, it's just a matter of Southeast Asia, it's just a matter of Southeast Asia, it's just a matter of applying for a retirement visa in applying for a retirement visa in applying for a retirement visa in another country, another country, another country, which can take just a month or two. So, which can take just a month or two. So, which can take just a month or two. So, a backup plan can go quicker in a backup plan can go quicker in a backup plan can go quicker in Southeast Asia, but it's also not as Southeast Asia, but it's also not as Southeast Asia, but it's also not as good as having citizenship. good as having citizenship. good as having citizenship. Okay, in conclusion, so when I add all Okay, in conclusion, so when I add all Okay, in conclusion, so when I add all these factors up and the region of these factors up and the region of these factors up and the region of Southeast Asia is best for me to retire. Southeast Asia is best for me to retire. Southeast Asia is best for me to retire. So, I may get a retirement visa, say, in So, I may get a retirement visa, say, in So, I may get a retirement visa, say, in Cambodia or Thailand, just to have a Cambodia or Thailand, just to have a Cambodia or Thailand, just to have a place I can go back to and hang out if I place I can go back to and hang out if I place I can go back to and hang out if I need to stay in one place for more than need to stay in one place for more than need to stay in one place for more than 6 months. But, in general, I'll stay 6 months. But, in general, I'll stay 6 months. But, in general, I'll stay under 6 months in each country in any under 6 months in each country in any under 6 months in each country in any calendar year, so I'm not worried about calendar year, so I'm not worried about calendar year, so I'm not worried about taxes. And if I go over 6 months in taxes. And if I go over 6 months in taxes. And if I go over 6 months in Thailand, for example, I'll only bring Thailand, for example, I'll only bring Thailand, for example, I'll only bring my social security money into the my social security money into the my social security money into the country.

country. country. I'm not sure how that would work. I I'm not sure how that would work. I I'm not sure how that would work. I would probably have a separate account would probably have a separate account would probably have a separate account that receives my social security and not that receives my social security and not that receives my social security and not commingle it with other money. So, when commingle it with other money. So, when commingle it with other money. So, when I wire that money I wire that money I wire that money into, say, Thailand, it's clearly social into, say, Thailand, it's clearly social into, say, Thailand, it's clearly social security money, which is not taxable to security money, which is not taxable to security money, which is not taxable to US citizens in Thailand who stay more US citizens in Thailand who stay more US citizens in Thailand who stay more than 180 days. than 180 days. than 180 days. But, then I'll wander around Southeast But, then I'll wander around Southeast But, then I'll wander around Southeast Asia the rest of the year, maybe 3 Asia the rest of the year, maybe 3 Asia the rest of the year, maybe 3 months in Vietnam and my favorite places months in Vietnam and my favorite places months in Vietnam and my favorite places like Da Nang, Da Lat, or Nha Trang, a like Da Nang, Da Lat, or Nha Trang, a like Da Nang, Da Lat, or Nha Trang, a month or two in Cambodia, Siem Reap, month or two in Cambodia, Siem Reap, month or two in Cambodia, Siem Reap, Kampot, Battambang, a few months in Kampot, Battambang, a few months in Kampot, Battambang, a few months in Malaysia, Kuala Lumpur or Penang. Malaysia, Kuala Lumpur or Penang. Malaysia, Kuala Lumpur or Penang. Maybe a month every other year in Laos, Maybe a month every other year in Laos, Maybe a month every other year in Laos, a month or two every year in Bali or a month or two every year in Bali or a month or two every year in Bali or other parts of Indonesia, a few months other parts of Indonesia, a few months other parts of Indonesia, a few months in the Philippines every year. in the Philippines every year. in the Philippines every year. I'll just move around Southeast Asia, I'll just move around Southeast Asia, I'll just move around Southeast Asia, wherever the wind takes me, and wherever wherever the wind takes me, and wherever wherever the wind takes me, and wherever I miss and love and haven't been for a I miss and love and haven't been for a I miss and love and haven't been for a while. while. while. And then, every other year, I'll And then, every other year, I'll And then, every other year, I'll probably go spend a couple months in probably go spend a couple months in probably go spend a couple months in Latin America or Europe.

Latin America or Europe. Latin America or Europe. I think, deep down in my soul, I'm a I think, deep down in my soul, I'm a I think, deep down in my soul, I'm a slow traveler and I don't see ever slow traveler and I don't see ever slow traveler and I don't see ever becoming a stationary retiree unless my becoming a stationary retiree unless my becoming a stationary retiree unless my health decides I must. And of course, health decides I must. And of course, health decides I must. And of course, I'll sneak back to the United States for I'll sneak back to the United States for I'll sneak back to the United States for a week or two every other year to catch a week or two every other year to catch a week or two every other year to catch up with family and friends. up with family and friends. up with family and friends. Luckily, this is the life that Chun also Luckily, this is the life that Chun also Luckily, this is the life that Chun also enjoys. enjoys. enjoys. If you'd like to learn all the tricks If you'd like to learn all the tricks If you'd like to learn all the tricks and tips that I have learned over 19 and tips that I have learned over 19 and tips that I have learned over 19 years and 78 countries to retire years and 78 countries to retire years and 78 countries to retire overseas safely on a budget and how we overseas safely on a budget and how we overseas safely on a budget and how we slow travel the world, watch the video slow travel the world, watch the video slow travel the world, watch the video in the upper right-hand corner of your in the upper right-hand corner of your in the upper right-hand corner of your screen right now.