For many Americans, life in the U.S. isn’t what it used to be: the rising cost of living, political uncertainty, and the nagging feeling that your hard-earned retirement savings won’t stretch as far as you’d like. If you’ve ever considered relocating to a different state, why not take it further and consider an entirely new country? The world is full of incredible places where you can enjoy a high quality of life, lower expenses, and even a bit of adventure.
Moving abroad isn’t just about affordability (though that’s a significant factor); it’s about embracing a less-stressful lifestyle that enables you to truly enjoy your retirement, whether that means sipping wine in a charming town in the heart of Spain’s Andalusia region, strolling along a pristine beach in Panama, or immersing yourself in the rich cultures of Southeast Asia.
In this guide, I’ll explore 15 of the best countries for American expats and retirees, places that offer a safe, comfortable lifestyle, excellent healthcare, already established expat communities, and relatively lower cost of living compared to the United States
Thailand
Thailand has long been a favorite retirement option for American expats. It offers an exceedingly economical yet high-quality lifestyle in a stunning, culturally rich setting. The country seamlessly blends modern comforts with deep-rooted traditions, making it an appealing destination for wellness visitors and retirees.
Bangkok, a vibrant metropolis, offers luxury condos, excellent Western-style hospitals, and an exciting nightlife scene. Chiang Mai provides a slower-paced lifestyle surrounded by lush mountains and Buddhist temples. With its tropical beauty and resort-style living, Phuket is perfect for those seeking island life with modern conveniences. Hua Hin, a quieter beach town on the other side of the country, attracts retirees looking for coastal charm without the tourist crowds.
Thailand’s tropical climate has three seasons—hot, rainy, and cool—though the north experiences milder temperatures than the humid south. Its diverse landscapes, from bustling cities and jungle-covered mountains to picturesque islands, make it one of Southeast Asia’s most visually captivating countries. With excellent transport hubs and regional airports, Thailand is a gateway to exploring nearby destinations such as Vietnam, Malaysia and Singapore.
The expat lifestyle is quite comfortable, with high-end living attainable due to the favorable exchange rate of the U.S. Dollar to the Thai Baht. From personal drivers to high-rise condos with a view and beachfront apartments, many expats enjoy a luxurious standard of living on a modest budget. The country’s vibrant culture offers endless entertainment, from Muay Thai and yoga retreats to lively festivals and fine dining.
Thailand is extremely safe, with high-quality healthcare in major cities like Bangkok, Chiang Mai, and Phuket. Private hospitals are internationally accredited and staffed with doctors trained in the U.S. While health insurance is recommended, many expats find medical expenses manageable without it.
Thailand offers the O-A Retirement Visa for those over 50 for long-term stays. The O-X Visa provides a 10-year option with stricter financial requirements. Other long-term visa options include the Elite Visa, which grants residency for up to 20 years in exchange for an investment.
Tee’s Tip: Be mindful of Thailand’s weather and agricultural patterns. High season spans late October to late February and you’re likely to see tourist numbers swell then. January & February in Chiang Mai is burning season and many expats relocate south to the islands to escape the smoke-filled air. The summer is the rainy season when floods and mosquitoes can make life challenging.
Related: My Thailand Travel Guide
Mexico
Americans looking to retire abroad need not stray too far from home. For them, Mexico is an obvious choice. It offers rich culture, stunning beaches, and a significantly lower cost of living, all just a short flight away. Whether you prefer a bustling metropolis, a colonial town steeped in history, or a coastal retreat, Mexico has something for everyone.
Mérida, the cultural heart of the Yucatán, is known for its colonial charm and safety. On the west coast, Puerto Vallarta combines ocean views with a lively social scene and top-tier healthcare. San Miguel de Allende, located in the mountains, draws retirees to its various artistic communities. Mexico City, well known for world-class dining and cultural attractions, appeals to those who crave big-city energy.
Climate varies widely, from tropical beach towns like Cancún and Puerto Vallarta to the highlands of San Miguel de Allende and Guadalajara. No matter where you land, Mexico’s vibrant festivals, colorful streets, and warm community create a lively, welcoming atmosphere.
Mexico has one of the largest American expat communities in the world, making it easy to settle in. The favorable exchange rate with the Mexican Peso and low cost of living allows for a comfortable lifestyle, with quality housing, excellent healthcare, and a relaxed pace of life. Many expats enjoy high-quality medical care at a fraction of U.S. prices.
Retirement visas are straightforward. Most start with a Temporary Resident Visa, which can lead to permanent residency after four years. Many future expats first explore with a six-month tourist visa before deciding long-term.
Tee’s Tip: I’m a huge fan of expatting to Mexico. I just obtained my temporary residency which allows me to come and go freely for the next 4 years. I enjoy a low-stress lifestyle in Playa del Carmen, a friendly beach town in the Riviera Maya. Healthcare is affordable and easily accessible here. Reach out to me if you’d like more information.
Panama
Panama is a fantastic choice for American retirees looking for a tropical lifestyle with modern conveniences. Often called the “Miami of Central America,” it boasts a strong economy, a thriving expat community, and an easy residency process. Adding to its appeal, the official currency is the U.S. dollar, which makes financial transactions incredibly easy with no exchange fees.
Boquete, a mountain town with a spring-like climate, is a favorite among expats who enjoy hiking, coffee farms, and a relaxed pace of life. Panama City offers a cosmopolitan experience with luxury apartments, world-class dining, and modern infrastructure. For those who prefer beachfront living, Coronado and nearby Pacific Coast towns provide ocean views, golf courses, and a laid-back coastal lifestyle.
Panama’s climate varies by region. Coastal areas like Coronado and Bocas del Toro enjoy year-round warmth, while highland regions like Boquete offer cooler temperatures and fresh mountain air. Lush rainforests, beautiful beaches, and a prime location outside the hurricane belt make Panama a worry-free tropical paradise.
The expat community is well-established, with social clubs, language exchange groups, and familiar stores like Costco making the transition from the U.S. seamless. While Panama City can be expensive, towns like Boquete and Coronado offer lower living costs, allowing retirees to enjoy luxuries like housekeepers, delivery services, and frequent dining out.
Panama is one of the safest countries in Latin America, with a stable government and low crime rates in expat-friendly areas. Healthcare is another major draw, with many hospitals in Panama City affiliated with U.S. medical institutions. English-speaking doctors are standard, and private insurance and out-of-pocket medical costs are reasonably priced.
The country’s Pensionado Visa is one of the best retirement visas in the world. It requires a monthly pension of at least $1,000 ($1,250 with a spouse) and offers significant discounts on healthcare, utilities, travel, and entertainment. For those not yet retired, the Friendly Nations Visa provides a path to permanent residency for U.S. citizens who open a bank account and establish economic ties, such as buying property or starting a business.
Tee’s Tip: Panama City feels like an American city because it is the regional headquarters for multinational companies such as Procter & Gamble, Dell, Grainger, and Pfizer. Also keep in mind that the famous Panama Canal draws lots of tourists year-round.
United Arab Emirates
The UAE attracts expats seeking a tax-free, modern lifestyle with world-class amenities, particularly Dubai and Abu Dhabi. Known for its futuristic skyline, luxury shopping, and international community, the country blends Middle Eastern tradition with cutting-edge innovation. Safety, business opportunities, and a high standard of living make it a popular choice for Americans searching for an exotic experience.
Dubai, the country’s star attraction, offers a high-energy environment with skyscrapers, man-made beaches, and endless entertainment. While equally luxurious, Abu Dhabi has a slightly quieter, more traditional feel with cultural gems like the Louvre Abu Dhabi. Sharjah provides a more cost-effective, family-friendly option focusing on arts and heritage.
The UAE’s desert climate means long, hot summers, but life is built around air-conditioned comfort. From October to April, the cooler months bring perfect weather for beach outings, desert safaris, and outdoor dining. Its location also makes it an excellent travel hub for Asia, Africa, and the Maldives.
Nearly 90% of UAE residents are expats from around the world, making it a dynamic international community. Whether you’re into rooftop brunches, yacht parties, or desert retreats, the lifestyle is fast-paced and indulgent. Expats can easily find social groups, networking events, and familiar comforts, from American restaurants to world-class shopping.
The country is consistently ranked among the safest in the world, with strict Muslim laws and low crime rates. Healthcare is of the highest quality, with English-speaking doctors and modern hospitals, though private insurance is essential.
Visa options include the Golden Visa (for investors and professionals), a retirement visa for those over 55, and a remote work visa. The UAE is a compelling choice for Americans looking for luxury, opportunity, and global connectivity.
Tee’s Tip: The biggest concern for most Americans is the treatment of women under Muslim law. From all accounts, there are no restrictions placed on American female expats as long as they obey the civil law and respect the Muslim faith. In terms of safety, women look after one another; indeed, the pink taxi is a transportation service aimed at women and families, with taxis driven by professionally trained women.
Costa Rica
Costa Rica is a popular destination for American retirees seeking natural beauty, a slower pace of life, and a welcoming expat community. The country’s “Pura Vida” lifestyle embodies relaxation, wellness, and a deep connection to nature.
For those drawn to coastal living, the Nicoya Peninsula, home to Nosara, Tamarindo, and Samara, offers beautiful beaches, surf-friendly waters, and wellness-focused communities. The Central Valley, including Escazú, Atenas, and Grecia, provides a cooler climate, mountain views, and easy access to San José’s amenities. La Fortuna offers lush rainforests and hot springs, while Jaco balances beach life and modern conveniences.
Costa Rica enjoys a tropical climate with warm temperatures year-round. The dry season (December to April) is sunny and ideal for outdoor activities, while the rainy season (May to November) transforms the landscape into a lush green paradise. The country is also a leader in sustainability, with over 98% of its electricity coming from renewable sources and much of its land designated as protected national parks.
The expat community has been well-established since the 1970s, particularly in beach towns and the Central Valley. Many retirees embrace an active, outdoor lifestyle, spending their days surfing, hiking, or practicing yoga. Costa Rica is one of the world’s Blue Zones, meaning residents tend to live longer, healthier lives.
In terms of safety, Costa Rica is one of the most stable and secure countries in Latin America. While petty theft exists in tourist areas, expat communities are generally safe, and locals are friendly and welcoming. Healthcare is another major draw. The public healthcare system, known as Caja, provides low cost medical care for residents, while private hospitals in major cities offer high-quality services at reasonable prices.
For long-term stays, the Pensionado Visa is one of the easiest retirement visas in the world. It requires proof of a $1,000 monthly pension. Other options include the Rentista Visa and the Inversionista Visa. After three years of temporary residency, expats can apply for permanent residency, which allows them to stay indefinitely.
Tee’s Tip: As Costa Rica’s popularity has grown, so has the cost of living. While it remains more affordable than many parts of the U.S., those expecting an ultra-low-cost lifestyle may be surprised. Expats who want to maintain the same level of comfort and convenience as they had in the U.S. may discover that their monthly expenses are not significantly lower.
The Philippines
The Philippines is a tropical paradise with a welcoming culture, making it an excellent choice for American expats. A former U.S. Territory, the U.S. maintains a strong military presence. In addition, English is widely spoken, which can ease the transition for Americans. At the same time, the low cost of living allows retirees to enjoy a high-quality lifestyle.
Manila is the capital and commercial hub. It has world-class healthcare, shopping malls, and a large military and expat community. Cebu City combines urban convenience with island charm, while Dumaguete, known as the “City of Gentle People,” attracts retirees with its affordability and coastal appeal. For cooler temperatures, Tagaytay provides stunning views of Taal Volcano and a refreshingly cool climate. Overall, the Philippines enjoys a tropical climate, with warm temperatures year-round. While humidity can be high, coastal breezes and mountainous areas offer relief. The country is renowned for its pristine beaches, turquoise waters, and lush landscapes, making it a paradise for beach lovers and divers. Beyond nature, Spanish-era churches, colorful festivals, and a thriving street food scene add to its rich cultural appeal.
Expats, especially in Cebu and Dumaguete, enjoy a relaxed pace of life with access to fresh seafood, affordable household help, and an active social scene.
Safety varies by location, but expats generally feel comfortable in well-populated areas, especially in gated communities or smaller cities. Healthcare is high-quality with excellent private hospitals in Manila and Cebu. Many expats opt for private insurance for the best care.
The Special Resident Retiree’s Visa (SRRV) allows indefinite residence with tax perks for long-term stays. Short-term visitors can stay visa-free for 30 days, with extensions available for up to 36 months.
Tee’s Tip: One of the reasons why most expats choose to settle in major cities like Manila and Cebu is to ensure reliable high-speed internet and convenient delivery services. A smaller or coastal town may be ideal if these services are not required for your lifestyle.
Colombia
Colombia has evolved into one of South America’s most exciting and livable destinations for expats.
Medellín, the “City of Eternal Spring,” is an excellent choice for expats thanks to its agreeable climate, modern infrastructure, and a growing international community. Bogotá’s capital city has a cosmopolitan feel with cultural institutions, historic neighborhoods, and a thriving gastronomy scene. Cartagena, with its colorful colonial architecture and Caribbean beaches, is ideal for those looking for coastal living. For a quieter lifestyle, smaller cities like Pereira or Santa Marta offer lower-cost living and easy access to nature.
Colombia’s geography means there’s a climate for everyone. Medellín enjoys spring-like temperatures year-round, while Bogotá is cooler due to its high altitude. Along the Caribbean coast, in Cartagena, expect tropical heat, high humidity, and stunning beaches. You’ll find lush greenery and temperate weather in the coffee region towns of Manizales and Armenia.
The expat scene is thriving, especially in Medellín, where international meetups, language exchanges, and salsa dance lessons make connecting with locals and other expats easy. Colombians are known for their warmth and hospitality, helping newcomers feel at home. From salsa and bachata dancing to coffee houses, there’s always something to experience. In town, wellness travelers will find local yoga dens, meditation workshops, and retreat spaces.
While Colombia’s safety has significantly improved, some areas still have crime concerns. Expats generally feel safe in well-populated neighborhoods, but expats need to take special care with their electronics in Medellín’s El Poblado and Laureles districts. Colombia’s healthcare system is highly rated, with private hospitals in Medellín and Bogotá offering world-class care, specializing in plastic surgery. Many expats find healthcare both excellent and affordable.
Colombia has some of the most generous visas: a 6-month tourist visa and multiple long-term visa options. The M-11 Retirement Visa is popular among American retirees. The Rentista Visa is available for those with independent income sources, while digital nomad and investment visas provide additional pathways to residency.
Tee’s Tip: Colombia’s proximity to Mexico and the Caribbean makes it an excellent choice for first-timers looking to explore different destinations in one trip. You can easily combine a leisure vacation with an exploratory trip without overstaying the 180-day tourist visa. Colombia is a major medical tourism destination. If you’re considering plastic surgery, I recommend a long-term stay to evaluate the region.
Portugal
Portugal blends historic charm with modern conveniences, making it an appealing option for those looking to experience life at a different pace. The cost of living is noticeably lower than in the U.S., and the quality of life remains high, whether that means savoring fresh seafood by the Atlantic, enjoying a slower, more social culture, or having easy access to the rest of Europe.
Lisbon is a natural choice for those who enjoy city life, offering a mix of historic neighborhoods, contemporary dining, and international connections. For those looking for a more cost-conscious alternative, Porto, with its scenic Douro River views and thriving food and wine scene, has a more laid-back feel but still plenty to offer. The Algarve, Portugal’s southernmost region, is a long-time favorite for expats and retirees, thanks to its mild climate, golden beaches, and well-established English-speaking community. For those looking for a quieter experience, a medieval university town like Coimbra and a border city like Braga offer a mix of culture, history, and affordability.
Portugal’s Mediterranean climate means hot, dry summers and mild, rainy winters, with plenty of sunshine year-round, especially in the south. The country is also well-connected to the rest of Europe, making travel easy. Safety is another plus—Portugal consistently ranks among the safest countries in the world, with low crime rates and a welcoming atmosphere. Healthcare is high-quality, with public and private options available to residents.
For Americans considering the move, Portugal offers several visa pathways. The D7 Visa, aimed at retirees and those with passive income, is one of the most popular options, leading to residency and potential citizenship after five years. The Golden Visa, which allows residency through certain investments, has also drawn expats looking to establish long-term roots in the country.
Tee’s Tip: Portugal has become a magnet for American expats due to the Golden Visa program. As a result, the cost of living in the capital has increased dramatically over the last few years, but smaller cities remain pretty affordable.
Related: My Portugal Travel Guide
Spain
Spain’s rich history, diverse landscapes, and relaxed way of life have made it a longtime favorite for those looking to live abroad. The cost of living is generally lower than in the U.S., while the culture emphasizes enjoyment, such as lingering over a meal, strolling through centuries-old streets, or soaking up the Mediterranean sun.
Madrid and Barcelona are natural choices for city lovers, offering world-class museums, lively neighborhoods, and an international atmosphere. Seville and Granada provide a slower pace with plenty of culture, historic charm, and affordability. Along the coast, Valencia, Málaga, and Alicante are especially popular with retirees, thanks to their beachside living, mild climate, and well-established expat communities.
Spain’s climate varies by region. Coastal areas enjoy warm summers and mild winters, while central Spain, including Madrid, has hotter summers and colder winters. The north, including Galicia and the Basque Country, has a greener, rainier landscape and a cooler climate. No matter where you land, outdoor activities are a big part of life, from hiking in the countryside to enjoying fresh seafood by the sea.
The country is also known for its strong sense of community, making it easy for newcomers to integrate. English is widely spoken in expat-friendly areas, and Spain’s healthcare system is high-quality. The Non-Lucrative Visa is a popular option for retirees, allowing residency with proof of sufficient income. After five years, expats can apply for permanent residency, and Spanish citizenship becomes an option after ten.
Tee’s Tip: Proximity to Morocco to the south and Portugal to the west offers additional incentives to moving to Spain. Along the southern border, don’t sleep on the smaller towns between Malaga and Marbella, such as Torremolinos and Fuengirola.
South Africa
South Africa offers a rare blend of natural beauty, rich culture, and affordability, making it an appealing choice for expats.
Cape Town is the favorite among expats, offering breathtaking scenery, a sophisticated lifestyle, and easy access to beaches, vineyards, and mountains. Johannesburg, the country’s economic hub, has a thriving business and arts scene, while Durban’s warm coastal charm and strong Indian influence create a laid-back, culturally vibrant atmosphere. The Garden Route, with towns like Knysna and Plettenberg Bay, provides a quieter but equally stunning alternative.
The climate varies by region. Cape Town has a Mediterranean feel, Johannesburg enjoys sunny, cooler weather, and Durban stays warm and humid year-round. South Africa’s landscapes are one of its biggest draws, from Table Mountain and the Cape Winelands to the iconic Kruger National Park. The expat lifestyle revolves around the culinary scene and outdoors: hiking, wine tasting, and weekend brunches are part of everyday life. The cost of living is significantly lower than in the U.S., making many luxuries like fine dining, domestic help, and first-rate entertainment more accessible.
While safety is a concern, many expats live comfortably in secure neighborhoods with private security. Healthcare is excellent, with private hospitals offering high-quality care at a fraction of U.S. prices. Visa options include a retirement visa requiring a stable income and a financial independence visa for those with significant assets. Though bureaucracy can be a hurdle, many expats find the lifestyle well worth it.
Tee’s Tip: Americans who make the long journey to South Africa will find a thriving international expat community. South Africa is also an excellent starting point for exploring the African continent, a worthwhile endeavor that could take several years to complete given the size of the contient.
Ghana
Ghana is often considered the gateway to West Africa, offering rich history and a stable political climate. For African Americans, the country holds deep significance, as Ghana played a massive role in the international slave trade. Travel & tourism initiatives such as the “Year of Return” and “Beyond the Return” seek to foster reconnection with locals, investment opportunities, and resettlement.
The capital, Accra, is the number 1 expat choice, blending modern conveniences with vibrant markets, stunning beaches, and historic landmarks. East Legon and Cantonments offer upscale living with access to international schools, restaurants, and shopping. Kumasi City, the cultural heart of Ghana and home of the Ashante Kingdom, provides a slower pace with deep historical roots, while Cape Coast and Takoradi offer beautiful coastal living and a strong sense of community. The climate is tropical, with warm temperatures year-round. Accra and the coast are humid with distinct rainy and dry seasons, while the northern regions are hotter and drier.
A growing expat community, particularly African Americans and business investors, enjoys Ghana’s sense of belonging and social lifestyle. The food scene is a major highlight, with dishes like jollof rice, fufu, and fresh seafood. Accra’s nightlife is lively, with Afrobeats music, beach lounges, and rooftop bars.
Ghana is one of the safest countries in Africa, with a stable democracy and friendly locals. While petty crime exists, violent crime is rare, and expats feel safe in well-populated and well-developed areas. Healthcare is improving, but most expats prefer private hospitals, often using international health insurance for the best care.
The visa process is relatively straightforward. Residency can be obtained through work, investment, or retirement. The government also offers pathways for African Americans and other diaspora members to gain citizenship or long-term residency through land ownership. Through the Right of Abode program, they can permanently live, work, and invest in Ghana without a visa.
Tee’s Tip: While the 2019 Year of the Return initiative made for an excellent travel marketing slogan, expats who moved to Ghana encountered shortcomings in the infrastructure, such as an unstable economy, inconsistent internet access, and conflicts with locals over land ownership. The cultural allure of Ghana is very strong, so be sure to do your homework before taking any action.
Malaysia
Malaysia is an underrated gem for American expats seeking affordability, modern comforts, and rich cultural experiences. The country blends Malay, Chinese, and Indian influences, creating a diverse culinary scene, vibrant festivals, and a welcoming atmosphere.
The capital city, Kuala Lumpur, is known for its ultra-cosmopolitan lifestyle: a modern infrastructure balanced with green public spaces, world-class shopping, and a buzzing nightlife. For a more relaxed pace, Penang is a crowd favorite, known for its historic George Town, street food culture, and beachside charm. Outdoor enthusiasts may prefer Kota Kinabalu in Borneo, which has mountains, diving spots, and a deserted-island feeling. Johor Bahru, near Singapore, is another option with a lower cost of living while maintaining easy access to Singapore’s business hub.
Malaysia’s tropical climate means warm temperatures year-round with occasional heavy rain. Whether island-hopping, hiking national parks, or city living, Malaysia offers diverse experiences. Its central location in Southeast Asia makes it an excellent base for travel to Thailand, Indonesia, Vietnam and beyond.
The international expat community is well-established, particularly in Kuala Lumpur and Penang, where American retirees enjoy private clubs, cultural events, and Malaysia’s incredible food scene. Malaysia is generally safe, with low crime rates in most areas. While petty theft can happen in crowded tourist-heavy places, violent crime is rare. Healthcare is a significant advantage for expats, with private hospitals offering world-class, affordable care. Many doctors are trained in the United States, and English is widely spoken in medical facilities.
The Malaysia My Second Home (MM2H) visa is popular among retirees, providing a long-term stay option with relatively simple requirements. While eligibility criteria change occasionally, it usually involves proving financial stability through savings or income. Americans can also visit visa-free for up to 90 days, making it easy to explore before committing to a long-term move.
Tee’s Tip: Andrew Henderson of The Nomad Capitalist recommends Kuala Lumpur as an excellent choice for a second residency. He discusses the pros and cons of relocating there and compares it to Singapore and Mexico. I highly recommend subscribing to his YouTube channel for additional information about life outside the United States.
Guatemala
Guatemala is an underappreciated gem for retirees seeking a slower pace, natural beauty, and rich culture. Despite being overshadowed by its larger neighbor to the North, this Central American country offers a charming mix of colonial history, breathtaking landscapes, and a relaxed way of life.
Antigua, a UNESCO-listed city with cobblestone streets and pastel-colored buildings, is the most popular expat hub. It offers a strong international community, Spanish-language schools, and a thriving café culture. For those drawn to nature, Lake Atitlán’s picturesque towns, Panajachel, San Marcos, and San Pedro, provide a relaxed lifestyle with stunning lake views. Guatemala City, particularly Zones 10 and 15, caters to those who prefer urban living, upscale dining, diverse shopping venues, and excellent healthcare.
Known as the “Land of Eternal Spring,” Guatemala enjoys mild temperatures year-round. In Antigua and Lake Atitlán, warm days and cool nights make for a comfortable climate without extreme heat or humidity. These regions are well-known in wellness circles for yoga, meditation, and plant medicine retreats.
While smaller than in other Latin American destinations, the expat community is tight-knit and welcoming. Many retirees enjoy an active social life filled with local markets, cultural events, and volunteer opportunities. Spanish-language classes, local cooking workshops, and outdoor adventures enrich their experience.
While high-populated cities such as Guatemala City or Xela have high crime rates, expat-friendly spots like Antigua and Panajachel are generally safe if visitors take standard travel precautions. Healthcare is high-quality, with modern hospitals and private clinics in Antigua and Guatemala City. Many doctors are trained in the U.S. or Europe, and private healthcare costs are relatively inexpensive.
For long-term stays, Americans can stay visa-free for 90 days and extend for another 90. The Pensionado Visa is one of the most accessible retirement options in Latin America, while the Inversionista Visa offers another path to residency for those looking to invest in the country. After one to five years, expats can apply for permanent residency and/or citizenship.
Tee’s Tip: It’s been many years since I visited Guatemala, but I fondly recall the hustle and bustle of Guatemala City, the lush green spaces and cobblestoned streets of Antigua, and the international sophistication of Xela (Quetzaltenango).
Indonesia (or Bali)
Bali has long captured the imagination of those seeking a tropical retreat. It offers a blend of affordability, natural beauty, deep spirituality, and a laid-back lifestyle. Known as the “Island of the Gods,” it draws retirees, remote workers, and wellness seekers alike with its lush landscapes, rich cultural traditions, and warm hospitality. The cost of living is significantly lower than in the U.S., making it possible to enjoy beachfront villas, fresh organic food, and daily spa treatments without spending a fortune.
Ubud, set among rice terraces and jungle, is Bali’s cultural and wellness hub, ideal for those drawn to yoga, meditation, and artistic communities. Canggu, a trendy beach town, is popular with expats thanks to its café culture, coworking spaces, and surf-friendly shores. Nusa Dua offers a more upscale experience with high-end dining, shopping, and luxury beach clubs, while quieter areas like Sanur and Uluwatu provide a slower pace with stunning coastal views.
Bali’s tropical climate means warm weather year-round, with a dry season from April to October and a rainy season from November to March. Even during the wet months, the island remains lush and vibrant. The expat community is strong, particularly in Ubud and Canggu, where English is widely spoken and social circles are easy to form. While Bali is generally safe, petty theft can occur in tourist-heavy areas, so basic precautions are advised.
Many expats start with a 60-day tourist visa and renew it multiple times, but long-term stays require a KITAS (Temporary Stay Permit). The Retirement KITAS, available for those over 55, offers a more stable option for settling down.
Tee’s Tip: Bali has long been the vacation playground for Aussies and Kiwis; however, the publication of Eat, Pray, Love almost 2 decades ago, put Bali on the map for Americans. Ubud is overcrowded at the moment with lots of traffic. Check out Amed, a haven for serious divers, on the island’s eastern side.
Puerto Rico
We saved the best for last! Puerto Rico offers American retirees the best of both worlds: a tropical Caribbean paradise with the convenience of U.S. citizenship. As a U.S. territory, there’s no need for a passport, visa, or complicated paperwork, making relocation seamless.
The island blends Afro-Latin American vibrancy with American infrastructure, offering a rich culture, stunning beaches, tropical jungles, and a lower cost of living than many mainland cities. With attractive tax incentives under Act 60, Puerto Rico appeals to retirees and entrepreneurs looking to maximize their savings.
San Juan is the most popular choice, combining colonial charm with modern amenities. However, it’s also one of the most expensive places to live on the island. It has high real estate prices in sought-after neighborhoods like Condado and Isla Verde, both known for beachfront luxury, fine dining, and a lively social scene.
For a quieter lifestyle on the west coast, Rincón and Isabela are favorites among surfers and laid-back retirees. Ponce, on the southern coast, provides a slower pace with a rich cultural heritage, while Dorado is known for gated, luxury communities and world-class golf courses.
The tropical climate means warm temperatures year-round, perfect for enjoying the island’s golden beaches, lush rainforests, and scenic mountains. If you want to commune with Mother Nature, El Yunque National Forest is your best bet, or you can keep going to Culebra and Vieques, two islands off the east coast.
Regardless of the region, the expat community is well-established, with many retirees, remote workers, and entrepreneurs calling Puerto Rico home. Life revolves around beach activities, live music and dance, and incredible food: think mofongo, fresh seafood, and fantastic coffee. While Spanish is the primary language, English is widely spoken everywhere on the island.
Safety varies by region, with some parts of San Juan experiencing higher crime rates. However, expats who settle in established neighborhoods and take standard travel precautions should generally feel secure. Puerto Rico has excellent medical care, with many doctors trained on the mainland.
The island’s tax incentives are a major draw for those looking to stretch their retirement funds. Act 60 provides reduced income and capital gains taxes for those who qualify, making it an attractive option for retirees seeking financial benefits and a beautiful, relaxed lifestyle.
Tee’s Tip: I lived in San Juan several years ago for 6 months. I enjoyed the incredible gastronomy scene, salsa culture, and Afro-Puerto Rican heritage, but the unstable infrastructure made a long-term life outside of the city center untenable. Outside the highly developed areas such as San Juan, Condado, Dorado, and Isla Verde, spotty Internet and electrical blackouts are common. You’ll have much better luck in modern high-rise condos lining the San Juan coast and pay handsomely for the privilege.
Conclusion — which destination appeals to you the most?
Deciding to leave your home country is a big step, but the process is more accessible now than ever. Whether you’re seeking a new adventure, a slower pace of life, or a more affordable way to enjoy retirement, incredible destinations await you.
Even if you’re not quite ready to make the leap permanently, you can start exploring your options now. Many of my clients are testing the waters by booking extended stays while they work remotely. Others are taking one- to three-month sabbaticals to experience multiple destinations and meet with local expats.
For those who are semi-retired or retired, slow travel is a fantastic way to immerse yourself in different cultures, experience life as a local, and truly make the most of your journey.
And the best part? Long-term travel and relocation don’t have to be overwhelming or expensive. The rise of apartment- and home-swapping websites has made extended stays and sabbaticals more cost-effective and low-risk. If you’re curious, check out these platforms:
If you’re serious about relocating, plenty of resources can help you navigate the process:
- International Living Organization & Magazine — Long-established organization offering expert insights on global living. They provide lots of strategies and publish a monthly magazine.
- Nomad Capitalist YouTube Channel — Andrew Henderson gave up his American citizenship almost 20 years ago and has become a trusted consultant on global relocation, international taxation, and investment strategies for expats.
- Facebook Groups for Expats — Connect with people already living in your dream destination. Conduct a simple Facebook search and be amazed by the results.
Wherever your journey takes you, know you have options, support, and a world of possibilities ahead. You’ve got this!
And if you ever need guidance on planning your move or testing the waters with an extended stay, I’m here to help.