The FIVE BEST Countries to Retire in Europe

[@ExpatsEverywhere]

Thank you all for watching. Need help with moving to Europe? Contact Kalie at ExpatsEverywhere to either have a consultation with her or get put in touch with a reputable relocation company. Email her at [e-mail] - Josh & Kalie

[@attseung]

Hey, you guys forgot to mention the Portuguese language requirements for its citizenships. Great video though.

[@christinecummings1020]

FYI there is no such language as Austrian! We speak German, not Austrian. There are different dialects just like in the US, Germany, Italy, Brittany and many other countries!

[@ExpatsEverywhere]

@@christinecummings1020 yes, apologies. We addressed this in other comments as well. This is what happens when one speaks extemporaneously. 🙂 My brain froze as to what I was going to say about the linguistic options as English (73%), French (11%) and Italian (9%) also get used along with the majority language German and what I meant by "Austrian" is the dialect. - Josh

[@ExpatsEverywhere]

@@attseung Thank you. Yes, A2. We don't really find that a barrier though. - Josh & Kalie

[@christinecummings1020]

@ExpatsEverywhere you must be thinking of Switzerland, that is where German, Italian, French and Romanch are spoken.

[@austinbar]

I am in my early 60s and retired at 53. Lots of people gave me pushback because they had difficulty grasping the concept of not working if you don’t have to. I looked at my life as stages. I earned everything I have now through a lot of hard work, but I owe it to myself to “stop and smell the roses” in my final stage of life. In my case I left the country after I retired and live in Latin America. It allowed me to get away from all the negative things happening in America while appreciating my new environment. I have yet to meet anyone who regrets retirement.

[@jcurdrayeric243]

Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I has spent same number of years in the civil service, she is investing through a wealth manager and myself through the 401k. We both still earning towards having our retirement.

[@joshbarney114]

This is true. I'm in my mid 40's now. My wife and I were following this same trajectory. Last two years, I pulled out my money and invested with her wealth manager. Not catching up with her profits over the years, but at least I earn more. I'm making money even before retiring, and my retirement fund has grown way more than it would have with just the 401(k). Haha.

[@rogerwheelers4322]

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $800,000 by investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

[@FabioOdelega876]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@rogerwheelers4322]

‘’Marisa Michelle Litwinsky’’ is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@BigNate82]

Don't simply retire from something; have something to retire to...

[@angielu3273]

Thank you for including France. No one else does. I moved to a small town and find that the cost of living is much lower than in US. The French are very helpful here. French classes are available. The transportation system is great. No need for a car. Many cultural activities are free. Life here is beautiful for the most part.

[@kleefan8]

Can you comment about their assertion in the video that France is unsafe?

[@jennineosorio8786]

@angielu3273 Hello! I loved reading your info about France. I am a retired teacher looking to retire in southern France. Would you share some of your thoughts on where to retire there? Thank you!

[@gsbeak]

@@kleefan8 If you live in the suburb of a big city, it can be unsafe. You have scams and pickpockets in the very touristy places. But everywhere else it is very safe, much more than the US. No one is carrying guns here and we don't have school shootings...

[@jortega222]

Thank for you comments and I agree with you. My late mother is french born and never gave up her citizenship. I have her passport and my grandfather passport. I'm planning to relearn french as I've lost my fluency and request citizenship. I've grown tired of the politics, the violence, hate and outright ignorance. I'm done with the USA.

[@morgan97475]

What part of France are you in?

[@kostyanm3329]

Bulgaria does not tax retirement income from foreign countries,has a good weather and low cost of living ,easy to get retirement visa,very safe country

[@Denzilcleveridge]

Bulgaria is by far the best country in Europe to retire to, quite a bit cheaper than other countries especially the U.K. The language is difficult but most people with a bit of patience and help would be ok. Great food & scenery, beaches , mountains are all great.

[@MrAmhara]

Cold winters.

[@selin8274]

Paternalistic, so if female be aware

[@TatTvamAsi0101]

​@@MrAmharathat's a plus for me

[@shelonnikgrumantov5061]

@@MrAmharait’s on the Black Sea so it’s mostly subtropical (at least, within 150 miles from the seashore and outside the mountains). Cold compared with what? South Cal? Yeh’ you bet.

[@MrBCWalker01]

Folks need to remember that France, Spain, and Portugal have overseas territories that are co-equal with the home territory in legal terms. If being on the European continent is not desirable then look into those overseas territories. (The UK has a similar, but by no means identical, thing with its own overseas and offshore territories.)

[@mjg239]

@@MrBCWalker01 good point ! If one has an EU residency or citizenship you can also go to warm island places like Madeira 🇵🇹 , The Canary Islands 🇪🇸, the Balearic islands, French Polynesia 🇵🇫 Réunion 🇷🇪 🇫🇷, etc. any other beautiful and warm and overseas EU territories ?

[@keangwooichoo6138]

You mean like canary island?

[@publicminx]

MrBCWalker: only interesting for low culture retirees (which usually are most of the 'going to southern/warm' country retirees. not if you want be active and experience still more as retiree. then Germany or countries around Germany are the best, simply because you are in the center of everything in Europe and the region with most culture, most going on, most access to everything and so on. also a true 4 season climate is the best climate on earth (in difference to what stupid youtubers try to sell) for a couple of reasons. not just because its intellectually more interesting to get and feel the change in cultural behavior, diversity of things and moods and so on. people who never experience a golden autumn are basically mentality already dead. and nothing is more boring then thin, flat, static palm or thin green landscapes. again: thats interesting for a short vacation or certain party spots (not more specialist parties though) but culturally a wasteland.

[@rainanoelle]

Thank you for thinking of us who need cooler weather!! Usually there is an emphasis on hot/tropical, but that is definitely not for me. 🤗

[@ExpatsEverywhere]

You are so welcome! We have several friend here in Porto that are the same. They don't like the heat. Maybe they grew up or just moved from places like Arizona, New Mexico and Nevada, and they're wanting cooler climates. - Josh & Kalie

[@steven_dekok]

My wife is from Romania and she literally escaped by jumping on a train. We recently started going back a few years ago and fell in love with the country. We have a flat in Brasov and we have started buying more real estate for income when we retire there full-time in 3 years. They recently passed a new law that says you can become a Romanian citizen after 10 years of marriage to a Romanian citizen, even without living in the country. I will be eligible to be a Romanian citizen here shortly!

[@DavidWilliams-qr5yj]

That's great 👍

[@SueIsRetiringToFrance]

Hey guys! Good to see you on my feed again! Portugal broke my heart last year with the visa changes. Southern France September 2025! A base to visit all of Europe, plus my Tour de France, the Giro di Italia, and the Vuelta de Espagne all easily doable! After learning Portuguese (A2) in the pandemic, I am now immersed in French. It is actually easier after learning that insane "r" sound for Portuguese!

[@Kar1ocha]

Funny! I’m Brazilian and my “r” in European Portuguese had to be improved too hehehehe

[@ExpatsEverywhere]

Hi! It's glad to be back in your feed again. It seems that we've fallen out of many people's feeds, but that's KZbin, right? Keep us posted on your move!! Less than a year away! - Josh & Kalie

[@AkamaiOkole]

The tax treaty as well as cost of living and healthcare attracted me to Occitanie in France too !

[@daveharruk]

Some interesting choices. I would disagree that France is not a safe country - literally everywhere in Europe has its problem areas and I would not say that Spain is any safer than France. But why no mention of Montenegro,Malta or Cyprus?

[@tavira24]

Austria, let's set the record straight. Firstly, the easy part, Austria does not have Austrian, German and English as languages. It has German. Secondly, retirement visas are on a strict quota, which is tiny. The quota is generally used up in the first day of January. Thirdly, you need German proficiency at A2 level.

[@macaccount4315]

Exactly I was taken back by that too.

[@ivanxyz1]

On paper you are right that Austria speaks German. I studied in Austria for one year and I have gone there many times after that. I definitely would say Austria speaks Austrian. The people there can certainly speak German. No doubt. But amongst themselves, no.

[@macaccount4315]

@@ivanxyz1 I certainly understand them. I think of it as an accent. But swiss German is a whole other language 🤣

[@tavira24]

@ivanxyz1 I live in Austria and they speak German amongst themselves. You obviously cannot understand dialects.

[@tavira24]

@macaccount4315 Yes indeed, Switzerland another topic altogether.

[@oscarsantas6528]

Las personas se quejan de que en Europa se pagan muchos impuestos (sobre todo en España)...pero, que tenemos a cambio al pagar tantos impuestos? -Sanidad gratuita. - Educación gratuita. - Paro ( después de trabajar dos años si no encuentras empleo el estado te paga un sueldo).-Permiso de Maternidad y Paternidad (cuando tienes un hijo tienes 16 semanas para el cuidado del niño y te pagan lo mismo). -Un sistema de transporte (España con diferencia el mejor del mundo). -Sistema de transplantes el mejor del mundo y gratis -Un lugar donde el colectivo LGTBI es libre . -La alimentación con precios más o menos asequibles. -Ayudas a la vivienda, ayuda a las mujeres maltratadas, ayudas a la drogadicción, ayudas a la infancia, becas escolares, ....etc, etc , etc...todo esto se llama Calidad de Vida¡¡¡¡ Entonces no entiendo que un ciudadano americano hable de impuestos, cuando en EEUU se pagan impuestos y que tienen? coches?...comida procesada? armas? contaminación? personas sin hogar? personas con problemas mentales sin asistencia? adictos a las drogas en las calles sin asistencia? personas pagando la universidad toda una vida? personas que no pueden llamar a una ambulancia por lo costoso que es?...no sigo....pero si que debemos reflexionar un poco y preguntarnos de dónde venimos y a dónde vamos....

[@louaceveu1925]

No lo podias decir mejor. Qué puta casualidad, todo el mundo se queja mucho de nuestros impuestos pero muchisima gente quiere vivir en nuestro país pues los impuestos en sus países no hacen lo que nuestros impuestos hacen en España.

[@lorenk.775]

Yes, you are correct. one of the main reasons why U.S.A. in general doesn't have similar quality of life or benefits as in Spain or France is because the country spends 10x more on military than the other top 10 countries combined!! The U.S.A. was also built differently, as was Canada, Australia, and even parts of modern England, they were all built similarly, where the focus was urban planning based on the idea that as many people as possible should buy and use cars so that car companies and petroleum companies can make continuously very very big profits!!

[@louaceveu1925]

@@lorenk.775 Indeed. I live in California and Special interests groups have hijacked the State.

[@veronicavarela2041]

Bravo ❤

[@ragland9658]

The problem for Americans is that unlike almost anyone else who lives abroad we have to pay US Federal Income Tax on our worldwide income. Some countries have treaties with the US so Americans don’t get double taxed on retirement money for example or other income made online, or can deduct foreign income tax they pay, but that’s not universal.

[@nelcyoviedo19]

I think you should look more into the dual citizenship. We have already talked to lawyers and have many dual American and Spanish citizen friends. Both born in USA who became Spanish and Spanish that became American. You do not have to relinquish your American citizenship to become a Spanish citizen. And it doesn't take 10 years.

[@shinyshinythings]

For most people, 10 years of residency is indeed required before you can apply for Spanish citizenship. (You may know some people from former Spanish colonies, who have a two-year residency requirement.)

[@b2balliance]

If you were born in a latino american country, you only need 2 years of residency to get spanish citizenship

[@nelcyoviedo19]

@@b2balliance an born in USA just 5 not 10.

[@charlessquare862]

There is no USA-SPAIN dual citinzenship, but latinoamerican countries-Spain one.

[@pauljiltsov9950]

​@@nelcyoviedo19that's not true, I just spoke to an immigration lawyer in madrid. If you are born in USA, and don't have any other relationship to Spain, you need 10 years to become a citizenship. Why do you think it's 5 years ?

[@DT-vc7hd]

If all you have is a pension or social security then your advice is fine. But if you've saved up a nest egg and are living off dividends and interest, look carefully at wealth taxes in your target country (especially Spain).

[@shinyshinythings]

The wealth taxes in Spain are so overblown … it’s 2-3%, where it exists, and that’s not everywhere. (The ‘solidarity tax’ is everywhere, but lower.) However if you’re a high net worth type of person, you’re most likely going to be getting a residency-by-investment visa anyway, and that does not require residency for tax purposes. (And yes, they’re getting rid of the real estate investment option soon, but it hasn’t happened yet, and all the other options will still be there.)

[@DT-vc7hd]

@@shinyshinythings I disagree. If you're an average middle-class American, you're generally considered retirement-able with 1-2MM in savings. If that nest egg includes the sale of your primary residence, and you have no other source of income, you don't want to be paying a wealth tax of 1-3% on top of all expenses.

[@camiller4916]

France also has a wealth tax on real estate (besides primary home).

[@DT-vc7hd]

@@camiller4916 Yes, real estate "wealth" taxes are very common

[@TexasDoug393]

Mine in reverse order just to participate: Spain (Valencia/Malaga), Montenegro (Kotor Bay), Italy (Puglia), Portugal (Madeira), and Greece (Nafplio, Paros, Lefkada). Latvia, way too cold. : ) Cost of living and weather are priorities for me.

[@CatholicSatan]

Latvia is warm and very pleasant during the summer months and the days are lo-o-o-ng. (I live there).

[@ashleywootton-zeh8108]

We are really enjoying Bansko, Bulgaria 🇧🇬 Great sunny blue sky days. Lots of nature and mountains. Lovely expat community

[@ExpatsEverywhere]

Awesome! Keep enjoying it. :-) - Josh & Kalie

[@mkoschara]

Thanks for taking the time and making this video.

[@ExpatsEverywhere]

Our pleasure! Thanks for watching. - Josh & Kalie

[@anthonys5568]

All of these countries have started more restrictive residency requirements, especially Portugal. Can you comment on this?

[@MamaLlama007]

Really enjoyed this video! Would love to have you interview expats with A US military retirement in Portugal. Unique situation! Thanks!

[@sbkpilot1]

regarding safety, on the channel Everything is Boffo, a few days ago they gave a personal account of getting bugalarized in their apartment in Lisbon by thieves that got in through their window while they were sleeping which is pretty scary, this is anecdotal but it does seem to go along with the theme that crime in Portugal seems to be increasing.

[@batshtcrazy5293]

Know what? The statistics speak louder than mere words. The U.S. has a HORRENDOUS amount of violent crime, in comparison with places in Europe.

[@chinesecrested9528]

​@batshtcrazy5293 the usa is now rated as 142 in the safety rating, just behind mexico. I now live in Thailand and never look over my shoulder. Never going back to the us.

[@ritalangenfelds7801]

I was so intrigued that you had Latvia on your list but you are right. Being a Canadian-Latvian citizen married to a Portuguese-Canadian we spend a great deal of time in Europe based in Latvia and Portugal. The Latvian language is not easy to learn, but surprisingly the sounds are very phonetic and similar to Portuguese. Learn the rules of the language and then it becomes easier. Having travelled extensively throughout Europe you have compiled a very appropriate list. Thank you for all your videos!!!

[@joshuabinegar4877]

Comparing apples and oranges. Keep in mind he caters to 7 and 8 figure people so taxes are at less top 3 of the consideration

[@ExpatsEverywhere]

That's right and it's no mistake why his lens is different. For those moving on moderate incomes, the top end tax bracket does usually concern them. - Josh & Kalie

[@lustgarten]

in his dreams

[@babysweetcheeks6384]

Thank you for stating that. In his video of his top 5 he clearly states that he had the retiree in mind not the million or billionaire. And he also stated that taxes were not a consideration.

[@TeslaRules1856]

and he is also right leaning, frequently negatively comments on left leaning ideology or culture. To be fair he appears a bit more libertarian than current far right.

[@joshuabinegar4877]

@@ExpatsEverywhere love your videos watch them all the time, on how to live somewhere else, like the little ins and outs detail, even the negative ones gives a realistic understanding. Tks

[@houseman7315]

Folks from what I understand US citizens don't have to give up their passport to receive the Spanish one, its more of a ceremonial renunciation/oath.

[@nelcyoviedo19]

Exactly.

[@coolrunnings5383]

Essentially, you have to swear to Spain that you will give up your other citizenships upon aquiring Spanish citizenship. Quite a few have done so and maintained their other citizenships; it's a risk they are willing to take. I asked a lawyer about this as I am pondering acquiring Spanish citizenship by descent ...

[@H-Zazoo]

@@coolrunnings5383 I think it goes like this: Spain may want you to renounce your US citizenship but they are not the arbiters of this. US citizenship can only be renounced in front of a consular official following a specific process. So don't do it. Tell the Spanish government that you love them only and keep your US passport in your back pocket.

[@coolrunnings5383]

@@H-Zazoo so, officially declare to Spain that you will renounce your US citizenship … but do not do it? If so, what happens when one comes to renew their Spanish passport and they are found to still have US citizenship?

[@H-Zazoo]

@@coolrunnings5383 How would Spain find that out? Is there any evidence of this ever happening? I have two passports. However I am not a dual-national. Both countries consider me theirs. Pretty much like @houseman7315 above describes it.

[@jeremiahreilly9739]

Hi guys. Thanks for a friendly response to Andrew at Nomad Capitalist. I watch his videos too, but part with him on his extreme allergy to taxes. I hate beaches and sunshine, so I am one of those people whose "short list" differs significantly from the usual. I have happily immigrated to Switzerland! One small comment/question about a con you mentioned in your video: namely, some countries do not permit dual citizenship. So, taking up citizenship in Spain or Austria means giving up US citizenship. Yeah? Do you like filing tax returns in two countries and having your investments and finances mangled. Maybe it doesn't affect you, but it is a real pain in the neck for me.

[@Nighthawk2211]

This was GREAT. New sub. Looking forward to diving in to your other videos.

[@ExpatsEverywhere]

Welcome aboard! Thanks for joining and we look forward to seeing you around the channel more often. - Josh & Kalie

[@pedrolopes3542]

Lol, between Spain and Italy, go to Italy. The Central part of Italy and the south have much lower cost of living than Spain because of the real estate cost being much cheaper in Italy (but not Northern Italy), the laws in Italy are better, less communistic, lower property taxes, lower income tax, beautiful scenary (even better than in Spain), culturally richer than Spain, and in Italy, the anti-foreigner and anti-tourism sentiment is not as strong as in Spain... So...

[@robertoposa1120]

Absolutely the best - Italy has everything and the unique 7% tax scheme for many places from central to the south

[@sacroyalty]

Hmm, if Italy is so great why are houses nearly free in so many areas? Honestly curious, never been and not trying to hate on it.

[@BushmasterBrackett]

The town of Orvietto is beautiful

[@shaunperth]

Oh boy you certainly need to do your homework on Italian Taxes😂

[@marklesliewoods]

@@sacroyaltyA lot of big villas with 2-3 apartments were built in the 20th century, due to the previous Italian tradition of entire Italian families living in separate apartments located in a single building. Italians had 4-10 children back then. Today’s Italian families are smaller, on average 1-2 children, and these smaller families don’t need and can’t afford the big houses - which cost a fortune to heat and maintain in today’s economy. Many individuals and young couples are forced to move thousands of miles away from families to find work, as well. Consequently, these splendid multi-family villas are under occupied or empty, and this is one reason why the prices are driven downward. Simultaneously, because Italian has a lot of homes that young families don’t want, rental prices are very high in cities. Additionally, Italian banks make getting a mortgage almost impossible for a lot of working Italians. Once again, it’s a buyer’s market for folks from abroad with cash and income.

If you want to die of boredom, move to Austria. I lived there for 10 years (work reasons), it gets boring pretty quickly

[@DavidWilliams-qr5yj]

Kudos josh and Kaylee. I stumbled upon your video by accident and it was a breath of fresh air. For some reason my youtube logrism keeps giving me andrews no mad capitalist. I felt like I needed to go take a shower after watching each of his videos. Even though some of us are in the six and seven figure net worth.... I always feel like we're just not good enough for andrew.lol 😂 But siriusly , the vast majority of us are not and will never be high networth individuals. Not sure why the KZbin gods keep showing me Andrew's videos.But I was thankful to stumble on yours. I will like and subscribe.obtw im 8 years retired in CHIANGMAI THAILAND 🇹🇭 😊 we love ❤️ it. Even though we travel internationally, often. Our net worth continues to grow. Kudos again 😊

[@patriciaaraujo1136]

Brazilian retiree moving to Portugal with my teenager son in a week. We have good tax agreements, same language, huge expats community, and cultural similarities. Wish us luck!

[@ronp.6782]

How is it so far?

[@stacydietzler9321]

For France 5 year residency - you omitted you need to demonstrate at least an A2 level of French proficiency. Thanks for your helpful videos!

[@tatiana.lifeinglow]

Thank you guys :), yes Latvia also is popular among other countries for people from Eastern Europe because many people speak Russian there. Andrew has his own view of course because he works with a lot of businessmen and wealthy people who invest as well, it is quite niche realistically speaking. Your audience probably is a bit different and bigger in a way.

[@ExpatsEverywhere]

You're welcome. Thank you. We really like the vibes in Latvia when we visited. Andrew does a great job for his audience. - Josh & Kalie

[@kegarner1012]

this is good information. what about brining animals? (dogs/Cats)

[@keylime2998]

Portugal D7 residents from US: isn’t the dual tax treaty still in place? If living on qualified dividends from US investments, I read since taxed by US, we were not double taxed in Portugal.

[@ExpatsEverywhere]

The double taxation treaty is indeed still in place for US & Portugal. - Josh & Kalie

[@mcp2112]

I like this list! Latvia, hadn't really thought about it. Have y'all spent any time in Slovenia?

[@Ass-pw5mf]

I'm Canadian Slovenian, property up for sale, family in Canada-done. Slovenia not cheap by far but if I have to escape Canada I prefer to go to my own people. Praying my property sells. Age 62, nowhere near where I planned to be financially-I'll figure it out. Why do I want Slovenia, other than because of my background? Sick of multiculturalism, want my own people. You need on average about $2000€ min to survive in the capital city without a car.✝️🙏♥️

[@shinyshinythings]

You don’t have to give up your US passport to become a Spanish citizen. There’s a formality in the procedure of becoming Spanish that requires you to give up all allegiances other than to the King of Spain. Does the US recognize that? Of course not, they need the tax revenue! So to lose your US citizenship and stop having to file US taxes, you need to physically go to the US, pay a huge fee, and go through a procedure, including an in-person interview. I don’t think it’s even true that you’re required to turn in your US passport in Spain when you become a citizen. However, once you’re a dual citizen with any EU country, it’s essential to enter and leave the EU on your local passport, and save your US passport for entering and leaving the US. (Also: if you hold a passport as a natural-born citizen of any former Spanish colony, including Puerto Rico, the 10-year wait is reduced to two years.)

[@oscarsantas6528]

A ver si nos enteramos, España nunca tuvo colonias...eran virreinatos¡¡¡¡

[@rachelkieffer8707]

It's Portugal for us, we plan to move there in 3 years when my husband retires. I have a path to citizenship for France and Portugal based on ancestry and chose Portugal because my husband does not want to move to France. My only worry at the moment is the taxes on our retirement income, which is not high, so will need to consult a good tax expert.

[@ExpatsEverywhere]

Nice to hear, Rachel. If you'd like a couple recommendation for tax/financial people, please email Kalie at [e-mail] Thanks for watching, commenting and subscribing. We appreciate the support. - Josh & Kalie

[@ersikillian]

So, remember: The rain in Spain falls mainly on the plain.

[@Ricci-in6nz]

Love your video ! You all are so down to earth. I have watched another video with a bald guy and blonde and your deliver is so much better ! Thank you !!

[@ExpatsEverywhere]

Thanks for the love, we really appreciate it. We're pretty chill people that are just trying to help people get information about living abroad and being able to experience the wonders of the world like we have. It's really nice to read these kinds of message. - Josh & Kalie

[@globalretirementus]

Great video! Europe has so many amazing places to consider for retirement. I’m especially interested in the cost of living and healthcare in these countries. Could you give more details on how affordable healthcare is in each of these countries for retirees? It’s a big factor for me in choosing where to retire. Thanks for the great tips!

[@ExpatsEverywhere]

Europe has some great spots. Asia has some great spots. The World has some great spots! :-) Thanks for watching and subscribing. We haven't made a cost of healthcare video on European retirement spots yet but it's something that we're looking into for 2025. It's a bit tricky to do because things like age and pre-existing conditions will impact the price of private insurance, which in turn impacts healthcare costs. Countries that have nationalized healthcare will be low cost to free but wrapped into the overall taxes that people pay. - Josh & Kalie

[@beehive5835]

Why did you choose France over Italy? Especially with the rising safety issues in France?

[@mikelind2762]

I live in Puerto Rico and it is a good option for Americans who want the Caribbean lifestyle. I don't speak a lot of Spanish so that helps me. The banking system is loosely connected to the USA and can use the USD. But I am sick of the year-round heat and humidity. I do tend to travel during the hurricane season so Austria sounds appealing to me. I have never had a safety issue in PR. The infrastructure is getting much better after Hurricane Maria in 2017. The government corruption and the banking system do present challenges for businesses. The Tax decreed for investors and or businesses is a double-edged sword, in that you really have to expend a lot of resources to stay in compliance. The paperwork, websites, and working with government officials is inconsistent and frustrating for most. The people of PR and most government officials don't understand the benefits which leads to some social pressure to make it harder and or eliminate it or guilt those who are complying with the tax decrees. (That is the Tax situation that if done correctly can yield 0% on capital gains for approximately $15,000 per year in compliance and charitable gifts).

[@christopherpaul9319]

I appreciate your input. What part of PR are you living? Housing costs?

[@2010katak]

France doesn’t tax revenue made outside of France so tax is zero for retirees

[@keangwooichoo6138]

@@2010katak interesting

[@Governemntistheproblem]

Not true. Heard of CRS?

[@gooster_yt]

@@Governemntistheproblem Do you mean CSM? That is the health care charge on passive income, which is 6.5% of any amount over 23,550 Euros per person (2025). Pensions and equivalents are excluded. For US citizens, this includes all forms, including Roth. France, via the tax treaty,, also afford a full credit for French taxes (including social taxes like CSG/CRDS) against US-sourced passive income like dividends, interest and securities-based capital gains. They also have some similar terms with treaties with other countries.

[@Governemntistheproblem]

No CRS. Not CSM. It is sort of a fatca for non americans. Wherever you live, you have to declare and pay taxes on your worldwide income. Foreign bank declares your income to foreign government who declares it to your local governemnt who taxes you.

[@Ass-pw5mf]

They're planning tax all French citizens living abroad.

[@disiostudio1559]

Thanks for the insights. Many videos like this seem to miss an important consideration for those approaching or in retirement. Medicare and most Medicare Supplement or Advantage Plans have little or no coverage outside of the U.S. Have a big bank account.

[@tobirates916]

I’d agree on Medicare not covering when you’re abroad but disagree on needing a large bank account to cover health care costs. We’ve been researching private health insurance costs (often a requirement for residency) and accessing the public health care. It’s much cheaper in the countries we’ve been looking at (Italy, Portugal) and excellent quality health care.

[@disiostudio1559]

@@tobirates916 Your videos are both informative and enjoyable to watch. Thanks! Please consider doing a video on this subject in the future. While I consider moving to Italy or Portugal, losing the benefits of my Medicare Supplement Plan G scares me at 75 years old. This is one of my most significant concerns, especially given the heightened risks of developing serious cardiovascular or kidney disease, or diabetes, or other serious age-related chronic health problems, within the coming ten years.

[@angielu3273]

Please don't let age stop you from experiencing Europe for seniors. You will probably feel better and live longer in Europe. You will probably eat healthier and walk more. Health care is less expensive. Just saying

[@tomlarson713]

Spain allows dual citizenship under certain conditions, including residency requirements, language proficiency, and cultural integration tests.

[@delaneyondreams]

Where can we get the info on current political scene and outlook as well as air quality and general pollution?

[@Nancy-o8y8p]

Thank you for more good information. Always appreciated.

[@DavidFletcher566]

FYI, for travelers wanting to check these countries out. If you're just visiting, the Airbnbs in both Portugal and Spain are now over $100 per night, which is crazy. France probably also. If you want to travel or live in France, be warned that the government has authorized private companies to set up speed cameras everywhere (they get a cut of the proceeds), and you can (and will) get a speeding ticket for going 5 kph(3 mph!) over the speed limit. Unless you have a self-driving car that can go the speed limit exactly all the time, be prepared to pay this 'road tax' (extortion) frequently. You will get the tickets later in the mail.

[@FromTheBiggining]

....not to mention the 15 min cities they're trying to implement

[@daveharruk]

Have you considered just keeping to the speed limit? By definition,that is not a tax but a fine... Please stop spreading misinformation. Furthermore,I visit Spain frequently and accomodation prices are extremely reasonable - apartment style accomodation in most tourist areas (maybe not Barcelona which has local problems) is quite easy to find for £50-60 or less

[@daveharruk]

​@@FromTheBiggining15 minute cities are a good thing,particularly for people who are less physically able (i.e. many retirees) as it means that everything you need will be available locally rather than having to travel long distances.

[@DavidFletcher566]

@@daveharruk I seriously doubt you never drive 5 kph over the speed limit. It's easy to do when the speed limits change often throughout your drive on different roads, curves, etc. My French friend confirmed it's much too easy to get speeding tickets now. And setting such a low tolerance is about making money, not safety. In the US you have to go 10+ mph over the limit before a cop pays any attention to you. There may be some areas in Spain away from touristy places where the Airbnbs are less than 100 Euros per night. Not in Madrid though. When I was in Portugal recently I literally searched the entire country (out of curiosity) and could not find a decent 1-bedroom Airbnb anywhere, even in the middle of nowhere for less than 100 Euros per night. It was crazy.

[@daveharruk]

@@DavidFletcher566 Well,I just stayed in Valencia and Alicante in September and none of the places I stayed in were anywhere near 100€ per night. It is a good thing that laws are enforced because that makes a country safer,particularly when Europe has a vision to reduce road deaths by 50%. Seriously,I've never looked at any country and thought 'what a terrible place this is,they don't let the criminals off'

[@Yasin_Affandi]

Thank you for this wonderful video and valuable insight.

[@Yasin_Affandi]

Glad to see you guys in a photo with Amelia and JP in KL. I wonder if you guys made any video about tourism in KL or about the cost of living in KL. I'm just assuming you guys were at the Nomad Capitalist Live event in KL.

[@Yasin_Affandi]

I love my short time in Madrid, Spain.

[@ExpatsEverywhere]

Good to see you back! Yes, we got to link up with them and we had an awesome stay in KL and a good time at NCL. - Josh & Kalie

[@Yasin_Affandi]

@@ExpatsEverywhere Wonderful. Good to hear from you guys again. Have a great weekend. 😀

[@pkmuhammedhisan]

Personally..as per my personaliy... Portugal is for me anyday !

[@rafalwyszkowski70]

If you are poor they don’t want you, if you are well off they will tax you to death. Spain, France and Italy have the most frustrating bureaucracies on earth and you better know local language cuz you will not accomplish much with english. Europe is like Disneyland. Nice to visit, spend some money, enjoy for 90 days at a time and go back home to US.

[@gsbeak]

Well as a European, I think the same of the USA : Very nice place to visit but I would hate to live there...

[@coffeegirl43]

Nationals from Ibero-American countries (Latin American countries, Andorra, the Philippines, Equatorial Guinea, and Portugal) or Spanish territories may apply for citizenship after only 2 years.

[@ExpatsEverywhere]

Yes! Big perk. - Josh & Kalie

[@morgan97475]

Would love to hear more about Austria.

[@laurar9748]

I believe you need language proficiency to become a French citizen? This was going to be my choice, as the language requirement did not apply to people over 65. But it has been reinstated, and the level was raised. Please correct me if I am wrong.

[@ExpatsEverywhere]

Yes, B1 level. Set to rise to B2 by 2026. It didn't apply until 2020 when they removed the exemption for over 60. You're right, it's now been reinstated. A lot countries require some language proficiency for citizenship though so all this is pretty normal, isn't it?

[@laurar9748]

@@ExpatsEverywhere Normal…yes. Widely known by Americans…perhaps not. I was counting on that exemption, as my goal was citizenship, not mere residency, and/or a renewable visa. And that changes everything. I’ve been watching France closely. You must speak, read, write and comprehend. At a level I will most likely not achieve. Just read that Spain is discontinuing their Golden Visa program. Times are changing, and policies are changing along with them. I will find my retirement place………..

[@timlinator]

I'm a dual EU/US citizen thanks to my dad's birth in Ireland and now financially independent late 50's very interested in moving to Portugal, Spain or Italy.

[@thesketchgarage8472]

Have you ever try canary islands?

[@ExpatsEverywhere]

Yes, we've visited the Canary Islands. - Josh & Kalie

[@ExpatsEverywhere]

Thank you very much, David. This is a very sweet compliment. Hearing feedback like this is super important to us. - Josh & Kalie

[@fjorddenierbear4832]

Spain offers one of the best tax rates for maximizing your fiscal solidarity without having to think about where to donate your money. Enjoy a 30-40% tax rate. Spain is on my list of places to actually retire tho, but preferably when I no longer have an income stream.

[@ronhadfield2418]

We just travel to Paris,and toured around Portugal and Spain. As senior I found that there was no human interaction at all. People don’t talk to strangers and don’t smile when you go into a restaurant or store and the food totally sucked. Actually I was quite surprised how different their food is to ours. We enjoyed seeing many beautiful building and works of art but I think it would be near impossible to make friends there. We are currently in Mexico where the locals interact with us and are much more friendly.

[@yuriyzenda5857]

I would pick Italy over Latvia any day. There are just exponentially more options to live in.

[@ExpatsEverywhere]

That's definitely fair. - Josh & Kalie

[@muradhasanjoy19]

I really loved this one!

[@sonorangreenman4472]

Thanks! I enjoyed your format and insight. It is easy to get different "best of" lists because of human diversity. I usually can tell if I would enjoy a place if enough info is supplied. Crime is important, and taxes and visas and monthly visa minimum income amounts are important.

[@shinyshinythings]

You can sort of tell based on information … but really, you have to live in a place for a while to know if it’s for you or not. Even a month or two will tell you what you need to know.

[@sonorangreenman4472]

@@shinyshinythings totally agree, thanks

[@NXTSTOP]

We love your videos and always useful content! We do however believe the information you provided on the availability of dual citizenship with US is incorrect as to Spain. We are members of the Spain Revealed community and have taken a Move To Spain Masterclass offered by the channel’s founder, James Blick. He has had a Spanish immigration attorney discuss this issue and the conclusion is that it is entirely possible for a US citizen to have dual citizenship in Spain. The only way a US citizen can give up his/her citizenship is to go the a US Embassy and personally renounce it, pay a large fee and possibly a departure tax depending on net worth. Any other form or attempt by another state to have you renounce your citizenship is not recognised by the US. Also, we have family members who are dual US-Spain citizens and have both passports. They have lived in both countries. (They also hold Brazilian passport as well). I would recommend suggesting anyone who is considering Spain to retain a Spanish immigration attorney. It would be money well spent! Thanks and looking forward to more great videos! Ken and Vanessa

[@ExpatsEverywhere]

Thanks for the input, Ken and Venessa. Obviously, we’re not immigration lawyers and we have heard of some cases where Americans have gotten Spanish citizenship. Let’s just say, it’s not a problem on the U.S. side. It’s a problem on the Spanish side and could be a problem for someone not on the list of second citizenship. By the way you’ve worded your comment, we wholeheartedly agree with the immigration attorney that it’s entirely possible, however, it seems to be a matter of application than the law if you understand what I mean. So while we understand where you’re coming from, we don’t feel it’s incorrect to say that Spain by law doesn’t allow dual nationality with certain countries.

[@NXTSTOP]

@@ExpatsEverywhere Yes, I believe your last sentence is accurate from my recollection. ( I am also a US lawyer and I’ve done some research, but nothing in the context of an actual case, so disclaimer this is not legal advice) (lol ) Spain doesn’t technically allow dual nationality so if a person applies and is granted citizenship in Spain, they are considered solely Spanish. On the flip side, the US also doesn’t recognise dual citizenship either, so in Washington’s eyes that same person remains only American. End result: A person has 2 passports. We’re looking into Spain but the timetable is out 3-5 years from now so eventually I’ll have better info to share. Separately, we’re curious to know if there was anything about Italy besides it being hot in summer that made you count it out? It’s one of our possibilities (along with Spain) and it seems like a good option. Because of my ancestry we would have a reduced time period for citizenship. But apart from that, how would prices compare? If you have any insight or maybe videos we’d enjoy listening!

[@shinyshinythings]

@@NXTSTOPCheck out Numbeo for cost-of-living comparisons. The main negative thing I hear about Italy is (as usual) the bureaucracy.

[@pawlieblog7967]

I’m moving to France and just bought my own pied a terre in a small town with a train station located about 3 hours from Paris by train. I do not have a long stay visa yet coz I can’t move permanently until I sell my home in Texas and figure out how best to move all my pets (2 dogs, 2 cats)…. My advice: Look online for real estate and study the geography and locations of the countries/areas you like. Go there in person. Look at some housing in these areas. Narrow down your selection and don’t wait for the “perfect” place-it doesn’t exist. Find the one home that ticks most of the boxes and make an offer. In France you can own a vacation home without having to get a long stay visa! The food is wonderful, the transport is excellent, wine and history and culture is tops!!! If you’re a retiree, you will have zero tax on your social security income. My town in France is super SAFE. I live near Poitiers, which seems fairly safe too. Limoges has some sketchy parts near the train station but is safe too. Generally the rural towns and smaller cities are very safe! Way safer than just about anywhere in the USA. I studied French since I was 12 (living in holland) and throughout high school in London. I am American. Grew up in the oil biz, engineer dad. I studied and majored in French in college-and attended the Sorbonne (Paris IV) for a school year in my Jr. Year Abroad program, so my French is good enough to get by easily. Learn the language of your country of choice!

[@ExpatsEverywhere]

Thanks for sharing! All the best with the move. Keep us posted! - Josh & Kalie

[@Kinai89]

have you considered wealth tax in spain? that is a burdensome. Another Solidarity tax in Madrid and Andalucia ...

[@darbas57]

Latvia is ok, but Latvians are leaving Latvia. Streets are empty and its a bit depressing.

[@macaccount4315]

I split my retirement between Zurich and Porto. We have multiple places including a few in Porto. Switzerland is considered the very best place in the world 🌍 ❤. Most importantly is geo-arbitrage to minimize taxes. You definately don’t want to be a taxpayer in some of the countries you mentioned.

[@redlime2212]

That's very interesting concept, would you mind sharing how you do it? We are considering Portugal but retirement is not for a number of years yet, concerning about the tax implications on our 401k/IRAs when we do... without NHR, the cost seems to be a lot scarier

[@macaccount4315]

@@redlime2212 exactly. I spend almost six months a year of the year (just under the tax threshold in Portugal but claim tax residency in Switzerland). I have to pay taxes in the US and some nominal taxes in Switzerland but do not pay in Portugal as its tax rates are too high. You can geo locate amongst multiple counties but ultimately you want to be filing in a tax jurisdiction that is no greater than the US. There are totalization agreements with most countries which can help. Now, not everyone will benefit from this, and you may prefer to live in Portugal because of the quality of life or cost. I have many friends who feel the incremental costs are worth it and offset by a better quality of life. A lot will depend upon what your income is, how much time you want to spend in a country and if you are willing to split time. One thing about Portugal is that if you do retirement visa, it is assumed you will be a tax resident so you have to carefully think it through. A golden visa is nice because you do not have to be a resident for more than a week a year (residency not required). It’s all complicated but achievable with planning 😀

[@PozoBlue]

What is geo arbitrage? I love switzerland but taxes seem extremely high there, no?

[@mjg239]

I'm American based in Germany (I'm not German by descent). I'm curious why didn't Germany make the list? Also for anyone who doesn't want to retire in Germany or left Germany for other locations could you all share why you made your choices and where you went? I'm very curious.

[@mradventurer8104]

Relatively high costs of living and weather is not that great but yes it is probably a good country to live in as it offers nature, good healthcare etc.

[@warrentrout]

Plus language difficulty, long dark cold winters

[@kleefan8]

Probably because Germany doesn't have a passive income/retirement visa.

[@greenb6149]

Great video as always

[@GeraldFigal]

I totally agree that the people is a huge draw for Portugal (I also like the coastal access and easy direct flights to the U.S.). That’s probably the main reason my heart is still in Portugal while my head is increasingly leaning France. France makes a lot of sense for us for retirement-you mention some of the reasons. There are far more options for cities of various sizes and vibes, much better overall infrastructure than Portugal, and great rail connectivity within the country and to neighboring countries. Plus my French is coming back to me pretty well as I’ve been brushing up. I’m not too concerned about safety in France because it really depends where you are-there are sketchy places to avoid in most cities. And there is still nowhere near the level of violent crime that exists in the U.S. We are likely going to be checking out Bordeaux and Toulouse and surrounding area in the southwest in May/June (I’m drawn to the atypical brick architecture of the old center city and the historical and cultural connections Toulouse has with Spain-including a serious tapas bar scene; I’m drawn to seafood, wine, proximity to the coast, 18th-century bourgeois architecture that was the model for Paris, and the 2-hour non-stop high-speed train to Paris that Bordeaux has). Both cities have inexpensive direct flights to Porto and Lisbon-about an hour and a half to Porto, so we could easily pop over and hang out with you tripe-eaters! 😜

[@kleefan8]

I'm similar, have been doing a lot of research on Toulouse. I initially was thinking Nice, but am a little bit turned off by the levels of tourism during parts of year, as well as crime. I agree with your comment on crime though, and was taken aback by Josh's blunt statement that France is unsafe. I'm also considering Strasbourg/Alsace, for proximity to Germany and Switzerland. But without those factors (and the warmer weather in Nice) Toulouse is at the top of my list.

[@shelonnikgrumantov5061]

Italy is more included? Then, the list is incomplete

[@jeffkunce8501]

Thanks for the great follow-up to the controversial video! You did a good job of reviewing his points from the point of view of your core audience. I think that Andrew's clients are primarily finance-focused and have 10 million US$ in the bank. Nothing wrong with that, but I like your focus on enjoyment of local life on a more modest budget. Did you end up attending his event in Malaysia?

[@pauladosch7062]

Yes, definitely two distinct audiences.

[@ericak7825]

I’m convinced that Portugal invented cool. Fashion, poetry, art, courtesy… Portuguese people are the coolest.

[@sbkpilot1]

English proficiency in Spain is poor and while Spanish 101 may help in the grocery store or train station you're not going to have any conversations and to add to it Spain is one of the most difficult places to learn Spanish as the natives speak at lightning speed and with a bit of an unclear accent compared to Latin America (in my opinion).

[@lorenk.775]

Indeed, the Spanish of Spain sucks in most cases. It's because they use the dialect of central Spain as the official Spanish.

[@anagross2785]

The best country to learn Spanish is Colombia.

[@freyagrayden9851]

they do not speak austrian in austria. they speak german. kinda like saying in the US that they speak American and English

[@ivanxyz1]

Lived in Austria and go there often. Yes, Austrians speak Austrian. I know officially, Austrians speak German. And yes, they have the ability to speak German, no doubt. But amongst themselves, no. Not only that, the different regions speak different Austrian dialects.

[@lorenk.775]

​@@ivanxyz1 😆😆 according to you dialects are different languages. though i understand in some places they are.

[@dinaroman382]

Hi guys! How long have you been in Portugal? And how is your portuguese now?

[@jeremykeller211]

How do you retire a country?

[@ExpatsEverywhere]

Not sure how to answer this. It feels like the set up to a good dad joke. - Josh & Kalie

[@JP7onEarth]

Josh, have you hired extra security? Taking on NC! Yikes! Will wait to hear back. JP Porto

[@peterbedford2610]

Andrew = personal business agenda

[@DavidWilliams-qr5yj]

Andrew = Boring 😊

[@JonM-ts7os]

lol

[@FromTheBiggining]

Andrew is good.

[@teodoro1007]

When you said Latvia, I said never in this life 🤣 Terribly cold, I'm a Lithuanian pass holder, and my family is totally frightened about Russia 😕 Of course, I'm an Argentina pass holder, which is good for nothing. Maybe I have a right to a third one, but I don't even want to name it. Coimbra where you made that vid about the studios with Sandra, is still my home and unsurpassable. Porto (or Vila do Conde, as you said) are fantastic options 👍. Soon I’ll have to visit Porto, maybe we'll meet.

[@pauladosch7062]

Spain has a wealth tax in most areas on assets over $700,000. Something to plan around.

[@macaccount4315]

And for many Americans who have 401ks, this is a terrible tax

[@NXTSTOP]

Unless you are extremely wealthy as in being a multi-millionaire then the wealth tax is not a serious concern.

[@macaccount4315]

@@NXTSTOP I’m a simple tax finance guy who helps people plan

[@shinyshinythings]

It’s a different floor in different autonomous communities, not uniformly 700K, where it exists (and it’s not in every autonomous community).

[@pauladosch7062]

Yes, am aware “in most areas” like Madrid and Andalusia. Requires planning.

[@keangwooichoo6138]

Andrew henderson is a global citizen and also business minded. He thinks differently. I am from KL where he sometimes reside. Like who wants to live in colombia or invest in bangladesh? So he thinks differently. On the opposite side there is nomad elite gerard summer. Who is critical of andrew.

[@ExpatsEverywhere]

Thanks for sharing, Keang. - Josh & Kalie

[@ofeliaariaswilliams7151]

It should be mentioned also that Spain has excellent healthcare. According to numbeo rankings, it ranks #7 worldwide. France ranked #6 Austria ranked#10. So if you mention Austria you should also mention Spain for healthcare.

[@teddydavis2339]

Austrian and German are the same. It's just closer to Barvarian German.

[@alexwyler4570]

why not Italy?

[@greggardiner1982]

What about Albania?

[@ExpatsEverywhere]

Some people are big on Albania. Our friends, Amelia and JP, love it. - Josh & Kalie

[@terrisokolow7796]

Another good one!

[@agnesaj9199]

Is Austrian a language???

[@ExpatsEverywhere]

No, it's a dialect. As referenced in other comments, I blanked on the other foreign languages used while speaking extemporaneously - Josh

[@TBara-e5e]

I don't recommend Portugal at all. I had thousands of euros stolen by the person ( apparently licensed in Portugal) and I had another company cost me tens of thousands of euros. It's not affordable when you are having money stolen and companies costing you tens of thousands of euros. Totally overrated. I will never go to Portugal again.

[@ExpatsEverywhere]

What "person" are you referring to? - Josh & Kalie

[@terrys1464]

My wife and I are going to retire in 2-3 years. We are in the process of booking our travel to Portugal to see if it is the right place for us. Your videos are helping us, or should I say leading us to Portugal. LOL

[@erikramaekers63]

Montenegro is a hidden gem

[@jeremykeller211]

What do you know about Czerna Gora? How good is your Serbski? As an American what benefits are you bringing to this country?

[@keangwooichoo6138]

Eastern europe i heard georgia? Poland?

[@ExpatsEverywhere]

We really like Poland! - Josh & Kalie

[@warrentrout]

Obsurd to pick. Travel around and see what YOU like. For wealther people, taxes will be a big show stopper for many countries. Spain and others are great for low income

[@Evansteven244]

Please tell us about 🇦🇱 Albania

[@alexgray9886]

Good video! A sensible point of view for people, the great majority, who have somewhat less than "6 figure wealth or figures".

[@jortega222]

Not to argue but this is the first time I've heard safety concerns in France for Americans. And safety concerns compared to the USA, really? I'll take my chances with France.

[@ExpatsEverywhere]

It's France compared to the rest of Europe and this list more than anything. - Josh & Kalie

[@Takosaga]

For Latvia, A2 is needed for permanent residency. Most of the young people and people working in Riga do speak English. The winters have long nights and summers have long days. It has low cost of living if you compare on Numbeo to other EU capitals and though it is near Russia, Latvia is a part of NATO.

[@Mr.S65]

How can Spain take away your American citizenship? Would the U.S. accept people giving up their U.S. nationality? What about Uncle Dearest?

[@jeanineh6006]

Hey guys! Great video! We just got back from Nice, France and it was amazing. The ability to get to Monaco, Cannes, and Antibes quickly on a train is awesome. Great location! Also, heard from a little bird that 2025 or 2026 may have a new NHR coming down the pike for Portugal. It's not confirmed yet, but it's in the budget and being looked over now. 🤞🏻🤞🏻🇵🇹

[@angielu3273]

I love the trains. So relaxing not having to drive

[@Positive_Atrributes]

TRIANGLE DOUBLE Tax Treaties are BRAZIL, COLUMBIA and Czechia working remote working contracts together for big companies in the USA and GB UK for harmony with your own accountants, and choosing where you pay your tax deductions and the offspring transit transfer transport transactions burden! Refusing business deduction routine is a massive difference drawback in both the USA IRS,and GB UK HMRC! Therefore the freedom preparation permissive environment for tax purposes is good enough!🏥

[@SimonMisiewiczsExpatTaxTips]

“Madrid a young man’s game”😂 you are not exactly old guys 👍🙌

[@robertoposa1120]

Austria is one of the most expensive in Europe and if Italy with all the advantages it offers didn’t made the cut I really don‘t know how Austria could !! You really need to take a much closer look to Italy!!!