What’s an Honest Decent Minimum to live on in the Philippines !!!!

[@Buildsolarhomes]

The primary issue with westerners is CONSUMPTION. We eat too much, drink too much, over medicate, and live in place that contains more space than we need. Good living is VERY subjective.

[@batmanspork]

New sub. Love the straight forward advice, no BS. I grew up in Baguio, joined the US Navy from Subic, now retired. I now work Federal working on that second retirement. Funny that I am now listening to an American for advice in living in the Philippines. In about 5 years more, we will retire. Great job and enjoy brother!

[@rickclough499]

Steve, my wife and I appreciate you being real and honest about life in the PI. We are in the waiting mode and hope the country opens before the end of the year. I'm budgeting for a $1,600 / month knowing that my wife and I can make it easily. People who go anywhere and expect to live on $500 / month should have just stayed where they were. Thanks for the good advice.

[@karlenzmann]

It's all about staying within your budget, and not trying to impress the other expat's with your ability to eat breakfast, lunch and dinner at the most expensive places in town. Make sure the wife/girlfriend knows what, and how to budget...prepare for the worst, hope for the best! First time I've watched your channel. Great video, I enjoyed it...Salamat

[@salomaarceo3041]

They ask money but you are not obligated, save your hardearned

[@johnekman8120]

Thank you. You are by far the best of all the expats to tell about the Philippines thats a matter of fact. Thank you.

[@RichTravel1010]

Thank You for the kind comments!!✌️❤️👍🇺🇸🇵🇭

[@johnekman8120]

@@RichTravel1010 Im been watching about 10 expats here from Philippines i mean it.

[@jimboydonayre9697]

@kurtEkman brother how are you

[@manstyle1]

I watch several VLOG's about life and living in the Philippines. I just found yours's, and yours's has become my favorite. Your persona is very similar to several people I have met in life, friends, neighbors, and coworkers, so I found that I could easily relate to you and I like your take on lifestyle in the Philippines. Please keep up the good work Steve. Best of luck in all of your endeavors. I will continue to be a devoted viewer.

[@RichTravel1010]

Thanks

[@riverdogsavioroftheunivers978]

You and Sunshine are the best vloggers in the Philippines Giving the straight truth and the real of living in the Philippines

[@RichTravel1010]

Thanks

[@A-RHINO-IN-THE-PHILIPPINES]

I grew up in Monterey California, Seafood is my okay everyday thing but where I live it is expensive. When I went to Davao last year and went to the wet market I was in Heaven and cheap also. Love it there.

[@rastrellialberto5162]

i live in Phil. for almost 20 years and i agree with this guy. Is the first video of him that im looking but is one of the few in internet who give you a real picture of the life here

[@RichTravel1010]

Thanks

[@RichTravel1010]

That’s one of the best comments that I’ve received. I’m glad I’m getting out the truth of life here. It’s a great place but you gotta make it great for your style. Thanks again for the very kind comments!!!✌️👍❤️💪🙏🏻🇺🇸🇵🇭

[@MateoMdza]

I'm not really a fan of people posting video who share their ideabout how much it cost to live in the Philippines. I just wanna say that i like how honest and practical you share your thoughts bout how to live in the Philippines. Filipino welcomes anyone as long as you respect how they live and its not gonna be hard for you to find a friend, family away from home.

[@RichTravel1010]

Thanks for watching and commenting

[@michaelsawyer158]

I REALLY appreciate your honesty and unassuming frankness. A whole lot of common sense and experience. I am newly divorced after a 38 year marriage and have recently begun to look into the possibilities in the Philippines. Obviously the women are appealing. I'm not wealthy and am still working full time (66 years old). Thank you for your insight.

[@richspurlock24]

Dam Mike, divorced after 38 years

[@smrthodanje]

My fiancé is a teacher. Well educated. Great family. Yes, poor, but have lots of pride. We fixed Nanay house while I was there. You are right, family is family. You help as you can.

[@RichTravel1010]

I agree

[@keepcreationprocess]

They are all poor, that s why they are decent.

[@punishrs]

I've been following you since your 1st channel and I do learn alot and appreciate the videos you put out. I'm also a veteran of Marine Corps. I'll be living in Roxas City (western visaya) I have a beautiful home and love the people. I have a very nice family who are taking care of my home there. I'm looking at Sept-Nov of 2021 and ill be there. I like your honesty and help over the year now..

[@RichTravel1010]

I think you are one of my longest active Subs for sure. Thanks for following and subbing !!!

[@2000ViperGTSsubscribe]

@Punishers #Sempersquid brother and hope you have some VA $ coming in.

[@nandorblue]

Roxas on Panay? It's also on my list.

[@TheKatstreet]

Thanks for taking the time to post this. I am a Brit married to a Filippina and will be coming back to Quezon Province as soon as my paperwork clears and the travel restrictions are eased.... God bless you sir.....

[@RichTravel1010]

Glad it was helpful!

[@hansonsphil-amlife9783]

This is my first time watching your channel and I found your advice on this topic to be reasonable. Those people who say it is so cheap to live here may be living a lifestyle you are not prepared for or willing to live. The best advice is, it is different for everyone's situation! Thanks

[@RichTravel1010]

Thanks for the kind comments

[@sanjuanlaunionvlog]

yes, I did a budget video.. and come up with $1,300 a month.. on average. But I like Air Conditioning. And this is a budget for two people. Not one. It also includes $77 dollars that i still pay my son's USA cell phone bill. I think you come to the Philippines to Live. Not just stay home. So def. if you plan on travelling.. scuba diving.. eating out. listening to live music, travelling.. $500 isn't going to cut it. but just my opinion. I suppose if you take the bus. Travel somewhere and stay in tent and eat dried fish every day with rice. sure.. you can travel on $500 Pesos a month. But don't expect to stay in a house. Ex. most AirBnb places.. are like 1,500 pesos per night. $30 bucks. in 20 days you would spend $600 just on lodging. You are over budget already for the $500 / month. and you still need to eat. pay for transportation.. did i mention beer money! lol. ;-) I think the Philippine Channel has it right ! about $1,500 per month to live with a gf. And that would be living really good!

[@RichTravel1010]

Thanks for sharing and your comments. It will vary from place to place here also.

[@mkrampits]

Congrats on the new subscribers. I like your content due to its honesty. It gives me a great insight into living in the PI. I have no plans to move there, but I may want to spend a month or two to immerse myself in the culture. Thanks for the videos.

[@RichTravel1010]

Thanks 🙏🏻

[@lizaa9815]

This is wonderful. The first video I’ve seen yet that is realistic. Hope you continue to enjoy living there.

[@RichTravel1010]

Thanks 🙏🏻

[@RayHaffenden]

How much it costs to live in the Philippines mostly depends on where you live (rent) and how much power you use (air-con) and what social life you want. Where you live if you are over 50, the first thing you need is reasonable access to a good medical facility. Work it our from there. In Angeles/Subic you need around 15 - 20 K PHP at least a month for housing. After 6 months acclimatizing I could manage with a fan all year.

[@garyabell3456]

I've watched probably 50 different videos on here! You were the most real I have seen! You sir have a new subscriber! God bless you! You keep doing you!!

[@catt99mahal8]

I’m 44 Filipino-American. My family moved to the America when I was 5. I’m contemplating on moving back to the Philippines with my husband. He too is American with an Australian mother (who’s in Australia). We’ll be closer to visit her. 🥰

[@RichTravel1010]

Welcome to the channel!!!! Thanks for watching!!!

[@mariaalejandrino104]

I love watching your videos...makes me more appreciative of my country..I live in Bulacan, a province north of Manila...while u stay south of Manila...I am as the same age as you..keep making honest, practical videos about the country..makes you more positive living here..God bless..

[@cadizwilmo9687]

You're right on the $1500USD/month. You're also right about helping your GF's family out financially. Great content! Keep up the good work!

[@RichTravel1010]

Thanks

[@keepcreationprocess]

True. Otherwise you can not help anyone, and you don't have any friends.

[@rippeddragonkill]

you are a genuine man. honest and down to earth. kep it up.

[@tommyraccioppi7100]

Really like tell straightforward your video was. I’m 55 years young, got hurt and I am on Social Security disability. I get over $1000 a month from that. But I also get money from a structure Settlement every month. Going through a divorce right now, and I should walk away with a little over$ 200,000 in my pocket after the house is sold, I’m not a drinker. And I’m not happy with what’s going on right now in America. The Philippines I have been a place I want to go too for a long time. I need to do more investigating, I will definitely make sure I have medical if I do go there because I do take quite a bit of different medications. Again thank you for the video and God bless

[@RichTravel1010]

You are in a good position

[@NeverGiveup-go7og]

Hey Tommy go to the Philippines you deserve it you’ll never regret it I know what I’m talking about I’ve been divorced three times in America I’ve spent 19 years in the Philippines it is a godsend

[@NeverGiveup-go7og]

Kenny H Kenny how about six or eight months there and the rest of the time in America if I have an American address?

[@dtman7777]

Thank you for the straight forward understandable information. I lived there from 2015 to 2018 in Angono Rizal.I was stationed in Subic back in 75-77. Well hopefully you are still making these videos. Thank you for the very good information.

[@b.baggins8893]

Rule#1: Have your income coming from resources abroad. #2: Have Reserve funding #3: Try to live a simple lifestyle #4: Beware of locals who try to scam you with investment deals including Ladies.

[@lutzphilippines618]

May I add #5: Beware of foreigners who easily can gain your trust just because they speak the same language. Happened to me who helped a Swiss Baker's startup, gave a loan against uncovered checks, later I had been busy about one whole year every week at three different trial courts, for each check a separate court trial. Onli in da Pilipines!

[@rockybone3505]

another fine video. i am glad you are getting better monetized, honest and realistic advice for everyone who would want to come and live is refreshing. i liked what you said about the rush there will be when the pandemic is over. i think i will not enter until well after that happens, six months or so should do the trick. the people who live there are generally fine people. i'm getting really embarrassed because of the behavior of my fellow citizens. have been looking to expat.watching your channel with interest. was a sub sailor also. almost suicidal when i got out. enjoy that good living.

[@RichTravel1010]

Thanks for watching!!! The monetization definitely helps me help others better.

[@paulsasianadventure8050]

I have lived here now 2 years and recommend 1,500 usd a month and 25k in savings.

[@RichTravel1010]

That’s a great solid amount here

[@HappyCamper2025]

What about healthcare? Is that included in your number?

[@kenrice]

@@HappyCamper2025 I have 40 plus years of experience. Having healthcare insurance should be one a priority.

[@wilsonfil-aminfinitichanne5129]

Commenting from NC USA looking forward to retire also in the Philippines this summer. Very honest opinion about the Filipno family culture which is helping each other in time of need. Relate much. I am a new subscriber.

[@astrop3797]

Your video just came up as recommended video. Thank you for being realistic. Just subscribed ✌️

[@RichTravel1010]

Thanks for the sub!

[@CryptoAgent61]

Kerry from Winnipeg Canada says thank you for your great video. First time here and will be back.

[@salomaarceo3041]

I am a Fil American retired in this country of mine, I do not regret staying in the Phil.I simple life those who interested to come over stay in a gated villages with security of course and be smart that you are not taken advantage, feeding the entire family, just observe how lazy some are, spend your retirement pay for yourself and enjoy avoid scammers too, in here I am not scared of the police. Pray for wisdom

[@dougc9427]

Steve, been watching your VIds for a while now. Your honest, that is why i watch you. I been to PI back in the early 70's. Kind of looks the same, jungle, bars, and great people that love Americans.

[@fdwaller]

I would never advise ANYONE to come to Philippines to live without having at least $2000 USD a month income, every month.

[@donquijote6857]

I truly appreciate your advice and comments. You are knowledgeable, forthright and wise in the ways of people and life. Thank you so much 🙂🙏🇺🇸

[@beatrizcalcaben9502]

Live a simple life sure you will enjoy. Simple life style and eat healthy food. Philippines is a paradise place to live.

[@RichTravel1010]

Yes it is !!!!👍✌️❤️🙏🏻

[@rickpauley6962]

Thanks so much for being straight up about Philippines! I plan on moving there or Cambodia in 5 years appreciate your truthfulness!

[@tonylauderdale4373]

Rick, retire to the Philippines. People speak English there. Visas in the PH are pain in the back. In Mexico it is a stamp in your passport for 180 days, no hassle. Need Spanish there, more expenses in places where people speak English.

[@brianadamson6607]

I enjoyed this video . My wife ( Filipina ) and I want to retire in the Philippines but were more into buying a place not renting . I am aware I can’t own land and that’s not a problem . I’m not really interested in living a western life. I would prefer to be more Filipino truthfully

[@RichTravel1010]

Thanks for watching and commenting

[@billyquinn1864]

where you going your not aware you can own land here i own mine you own it better here than in the usa in the usa you don't own land or home you think you do but i can prove you wrong can you use skype if so let me know then we can talk i have been here come dec. 20 years

[@First_StateX]

Thanks for an honest opinion and the willingness to help others. You are few and much appreciated!

[@RichTravel1010]

Thanks for the kind words

[@brendanhedges7591]

I lived in Cebu City for 10 years on less than 40k (Peso) a month in a middle class neighbourhood. We had holidays, motorcycles and no shortages. The only thing we did not have was AC, we just got used to the heat!

[@camrynhernandez5996]

Such a great video. Great explanations. Love that it’s straight forward compared to all the other fluff you see. Hope to see you there one day bro.

[@RichTravel1010]

Thanks

[@tropicshade]

I've said it for years... there's a big difference between "surviving" and "living." The "Simple Life" does not always equate to "Quality of Life."

[@llothar68]

Quality of life is to a huge part a mental thing. Quality of life is not having to spend 10000 pesos extra for a house with a swimming pool and you always need to keep it clean and filled with water. Quality of life is living near a nice mountain river and jump into it whenever you want. Quality of life is not having a big home, it's a burden because it needs to be cleaned and maintained. There is a reason why miniimalism and tiny homes have become the new favorite lifestyle.

[@tman5634]

@@llothar68 Fantastically well said, I 100% totally agree. Many many travellers never ever know this & will never get to know or understand.

[@gregmidland5629]

Just came across your channel .Great advice and I will continue to watch .Thanks Steve

[@RichTravel1010]

Thanks !!!

[@RichTravel1010]

Be sure to check out my many older videos if you get a chance. Thanks

[@jameslonergan5840]

I agree, I think $1500 would be a good amount for living in a medium city and afford you to travel and shopping/dining out.

[@RichTravel1010]

It’s a great starting point for sure. More dollars is more fun and enjoyment here.

[@frankellis9627]

@@RichTravel1010 I think $1000 is the minimum (single) $1500 is ideal! I was stationed in Angels City ( Air Force)!

[@nandorblue]

@@RichTravel1010 I will get 2000 usd will it be really that good there?

[@bluelagoontipplerloft6130]

I appreciate your honesty, thanks for sharing your time and knowledge, I have a question how easy it is for a American couple to retire in the Philippines?

[@RichTravel1010]

Very easy

[@joebruhin2098]

Hi, i've been watching your videos for a few weeks now, happy for you. I'd like to move to the Philippines but still haven't found the right place to settle, the city is not an option for us (i'm married to a Filipina)...she is happy here in USA but is ok to move back to PH. It's pretty easy to get around the Philippines if you are not in a hurry which you shouldn't be. I was in the Philippines 10 years ago and also the winter of 2020 and it has really changed a lot....many have discovered the beauty there thanks to YT. I love the Philippines but and don't miss America when I'm there at all, I find it refreshing, even though many places are smelly and loud...I like quiet and fresh. I know Palawan and spent most of my time there but still searching...some of the places i liked best have been ruined since my first visit. If you want to have relationship and enjoy I think you do need $1500 a month and as you said you can live there cheap but not a good idea at all, maybe 30 years ago it was different. Hope to come back this winter....take good care.

[@2PapaSmurf]

Bruh. One of the better vlogs I've seen since I started watching about the PI. I was stationed at Clark AB for almost 3 years, many years ago. Things you spoke about in this episode have not changed in almost 50 years. LOL 😆 Thanks for keeping it real. Good luck.

[@RichTravel1010]

I appreciate that

[@texanfilipinovibes3524]

Well we are building a house, solar everything, deep well same. So after the initial money paid down, no rent, no electricity, water bill. Living on the outskirts of Puerto princesa, palawan ,low cost area overlooking Honda bay, I think 300 a month is easy to make it on. I'm just a country boy so that life style is not far from what I live now. Plus I love Filipino food so I'm good.

[@Bill-xs4zu]

Just stumbled on your channel. I liked that you said you’re willing to help others with a phone call or info. I’m impressed. And subscribed..!

[@RichTravel1010]

Thanks 🙏🏻

[@NewHampshireJack]

It is good to see an accurate budget picture presented. During my eight years and counting here in the Republic of the Philippine Islands, I also have run across EX-pats spewing super low living costs. Even worse are the Vloggers disseminating their bad information on a worldwide basis. You are doing potential EX-pats and retirees a great service pointing out the difference between what you can "get by on" and what you need to "live" a quality life-style. There are a lot of variables in the formula. If you purchase a property, you still have maintenance but you can save up that rent money for an emergency and you have flexibility of when to spend. My beautiful bride and I have found eating out is likely cheaper for us due to the value of our time saved. We only eat at a few carefully chosen restaurants that serve food close to the quality of what we serve at home. Labour cost is low so there is not much difference as long as the ingredients meet our home standards. We have noticed large price increases on many goods at the local markets likely due to the COVID-19 pandemic. Potential future EX-pats should do a deep study before making the move and even better come for a very long visit or trial run. I think far too many people do NOT factor in the reality that we have added expenses ( VISA fees, regular VISA extenditions,ACR card etc) that locals do not have. We can not live cheaper than a Filipino and that is the truth.! For me, one of the biggest attractions is the economic oppertunity here. Once you get past all those pesky lines and the paperwork, it is actually very easy to begin a new business venture. We have launched three business ventures PRE-COVID with our first one now three years old. We used the lockdown time to build and launch three, brand new more "virus proof" business operations. SO, my advise is, come on over and check it out but remember the rules.: "If you want to play, you gotta pay!!!!" Now it is time to go hit the SUB button !!!

[@RichTravel1010]

Great Comments and a big Thanks for the sub also. We have many great older videos you might want to check out. And if you need help we are always here to answer questions. If we can’t answer we will try to stear you in the right direction. Thanks For Watching !!!✌️❤️👍

[@danramsay5844]

Hey Steve, appreciate your channel as you seem to be a genuine and an all around decent guy, I'm Dan from Vancouver B.C. my wife is from PI and we have a home in Las Pinas, hope to retire there within the next 2 yrs or less if possible. In my spare time I will be attempting to do some kind of volunteer work or something like that, I like helping the less fortunate. Be gr8 to bump into you sometime and say hi, maybe have a coffee or ? Anyway take care and keep up the good work !

[@RichTravel1010]

Cool, thanks

[@topscris]

FYI, you don't have to wear a face SHIELD when your outdoors, it's only when inside buildings where there can be lots of people like groceries or supermarkets and gov't offices because they are required. Other establishments , you can find out from the security guards by the door. Then in jeepneys and buses where it's usually windy, especially at the back. And it's OK to take off or lower down your face MASK once in a while when outdoors if there's nobody around or close to you.

[@acr9319]

I just stumbled across your site, very interesting - I'm a new subscriber. I look forward to watching the rest of your vids. Thank you

[@RichTravel1010]

Thanks for watching

[@Xakutor]

I lived there for almost 2 years & it actually cost me about the same to live there than in my home country (USA) & that lifestyle wasn't anywhere as good as in the USA so I went back home. life's just better here, in every possible way. I wasn't happy in the PH at all.. I eventually ended up just drinking myself into a liver-failing, daily drunken stooper... it wasn't good. & you're right about the cost of her family.. that's the main reason my cost of living there was soo high. My rent was free because I had a house built before I even arrived. It was her & her family, the absurdly over priced 2ndhand car prices & the constant visits to the immigration office that cost me so much. I was eating mostly cheap, low quality road-side vendor food.. crap like Pancit, boiled eggs of various little birds & fried chicken.

[@RichTravel1010]

Some can make and meet the right girl and family and others don’t. I’m sure you would agree though that drinking didn’t help. I’m sorry you had a bad experience here. I’ve been very lucky but I tell my girlfriend exactly what I expect from her. She has always done very well with money here. God Bless

[@danieldelano9892]

Sorry but it sounds like you eat yourself up, try it again and pass on the drinking.

[@boomAJ6104]

You are absolutely 💯 correct! My Ex wife came at me SEVERAL times for things that didn't make since. They even had the nerves to ask me to sponsor vacations

[@pullmanstandard81203]

I support a family in Visayas. Have a two story house and that takes a budget more than double of what you mentioned on the upward scale. Be prepared. It's no picnic

[@r.peterlucarelli1605]

Glad you changed the background. Good video. I have 2k a month but live in Thailand now. I py $200 for my apt. inc. utils. If I have t leave I would choose the PI as my choice.

[@RichTravel1010]

Thanks for sharing and watching !!!

[@RichTravel1010]

I try to change it up when I can. I’ll do more outside chats. Sometimes it’s a bit noisy out there so it’s hard to do. I like walking chats too. Keeps it interesting.

[@howardrewald9817]

Our monthly budget is 27000php that is what we live on . There is a lot more avaliable but we are not here seeing how much we can spend every month. We live in the province have a nice house to live in life is good here

[@PartyAsianVideos]

Hello, are you paying rent or you own the house?

[@RichTravel1010]

Im not sure what his situation is but I rent and recommend renting.Check out the video of my rental and see what you get for cheap money. Its crazy cheap.

[@PartyAsianVideos]

The Philippine Info Channel I think I could live fine on $1,700 a month over there

[@michaeldemarillac9992]

@@RichTravel1010 You rent is cheaper than my house costs made up of rates, maintenance and insurance. I rent the house out and it makes reasonable returns, but renting makes sense in Philipinnes. Especially the way you have approached it.

[@howardrewald9817]

@@PartyAsianVideos we are paying rent here. But we plan to buy the house that we are renting just waiting for complete papers

[@salphilly]

Hello there, I just stumbled across your channel and wanna thank you with what you do & giving good information. Shout out from Philadelphia & Happy New Year!!!

[@RichTravel1010]

Thanks and welcome

[@misterallen5540]

I was in the Philippines December 2019 for 3 months. I’ve calculated how much I’ll need to live in the province and I came down to $320 a month. This does not include housing because we have a house in the province. If I choose to live in the city, i will need $500 a month. We also have a house in the city. My calculations include expenses for food, internet, load for cell phone, water, electricity, diesel fuel for my fortuner, gasul for cooking, two-three times a month eat out. The amount only covers me as a single person. Five more years here in NJ and I’ll be retiring early in the Philippines. My traditional IRA (r/o from my previous 401k & 403b) & Roth IRA are more than enough to live well off in the Philippines. When my pension and social security kicks in, It’s even more more more than enough. Thanks by the way for sharing

[@RichTravel1010]

I must be honest.... That’s very low and living like a Filipino. That’s not including healthcare or insurance. That’s with no going out or getting away to travel. You might get very bored with such a small amount. I highly recommend you rethink the amount you need. I worry when I see such small budgets. It just concerns me that things could go wrong. Do you have a good emergency fund ?

[@sanjuanlaunionvlog]

@@RichTravel1010 yes, I did a budget video.. and come up with $1,300 a month.. on average. But I like AC. And this is a budget for two people. Not one. It also includes $77 dollars that i still pay my son's USA cell phone bill. I think you come to the Philippines to Live. Not just stay home. So def. if you plan on travelling.. scuba diving.. eating out. listening to live music, travelling.. $500 isn't going to cut it. but just my opinion. I suppose if you take the bus. Travel somewhere and stay in tent and eat dried fish every day with rice. sure.. you can travel on $500 Pesos a month. But don't expect to stay in a house. Ex. most AirBnb places.. are like 1,500 pesos per night. $30 bucks. in 20 days you would spend $600 just on lodging. You are over budget already for the $500 / month. and you still need to eat. pay for transportation.. did i mention beer money! lol. ;-) I think the Philippine Channel has it right ! about $1,500 per month to live with a gf. And that would be living really good!

[@misterallen5540]

@@RichTravel1010 you're right... that calculation is living like a Filipino. It does not include healthcare, eating out and travel. There's so much to do in the province and i don't think i will be bored. I literally spent a day going around the city and a day in the province looking at the prices of important items that i will need during retirement and that's how i came up with those two amounts (living in the province vs city). There was an article on yahoo about how much you'll need to retire in the philippines and the article stated that all you need is $500/month if social security is the only source of your income. With this amount, most def you'll be living like the locals. My intent on doing this was to know exactly how much I will need to retire in the philippines if i were to depend solely on social security as the only source of income. I know of some filipinos in NJ and NY who don't have any savings for retirement who will be relying solely on social security and I told them the amount they will need to retire in the philippines but they have to live like the locals. Based on my calculations, I can retire early in 6 years and i don't have to depend on my pension and social security. I started saving 8% of my income and slowly increased it to 12% annually for many years and I was very glad i did that. If all goes well, i will have a nest egg of 1.5M when i retire. By that time, i can use my pension and social security benefits to fund someone's schooling (not to brag). I plan to retire in the Philippines. By the way, thanks for your vlog about avoiding taxes on your pension.

[@joelramirez8388]

Doc Allen yes you can live as a local with your calculated budget and some managed to do that. I just hope you will be able to also adjust to the cultural differences.

[@carvercapitalequitypartner122]

Doc is the man with a plan. Good luck.

[@AñdyOmar]

this channel is super underrated. Love the thoughts, your stuff is real. Hope more subs come your way.

[@RichTravel1010]

Thanks for the Comments Andy !!! We try to cover everything and stay on point as much as I can !!! I try to give the tips nobody’s talking about. And I try to be available for questions to all expats both new and old. I try to stay away from dragging girlfriends and girls into the videos to boost views. People want info and we give it. Some of my videos might seem self explanatory but to others it might help. Tech is easy for the younger people and harder for the older folks coming. Again a big Thanks for the kind comments!!!✌️👍❤️💪🇺🇸🇵🇭

[@AñdyOmar]

@@RichTravel1010 yeah for sure, I mean I stay 10 years here and you bring some things up that I haven't thought of.

[@allanjohnbraga9872]

Im glad you discribe the reality about oure country,about sex about

[@allanjohnbraga9872]

Ill doings,tnxs men about youre blog about phil

[@Robmar40]

I can never understand why an expat would retire to the PH to live like a local Filipino. My goal is to improve my standard of living by moving to the PH. Labor, housing, and medical is inexpensive but everything else is more expensive. My recommended absolute minimum for 2 people is $1200 per month. A more comfortable budget would be $2500 usd per month. Also, add emergency savings of at least $10k usd and health insurance.

[@RichTravel1010]

Many live on less and are happy too. But always be safe with your budgets

[@michaelbyrne5469]

That is very conservative. I say $2000 min.

[@brettflanagan3066]

Really good video- down to earth and informative. Much appreciated. I am about 4.5 years away from hopefully taking the leap to the Philippines. I have vacationed there numerous times, and I love it. I will have to make some personal life changes before I pull the plug. . wish me luck.

[@RichTravel1010]

You can do it!

[@brettflanagan3066]

@@RichTravel1010 Thanks for the encouragement. I might take you up on a call down the road a while. Take care.

[@RichTravel1010]

Anytime.

[@JG-bi3he]

I honestly don't think anyone can be happy anywhere without money. We need money to survive.

[@donaldgors1289]

Yes money is always needed as my past mother in law says ... money helps make some things better (you define your better)

[@RichTravel1010]

I believe its coming soon.

[@paulatudor691]

Now Pizza Hut crust is the best.

[@riverdogsavioroftheunivers978]

@@paulatudor691 no way!!!

[@vaubanschwarzwald3058]

@ SSJG........Sounds like you (1) Don't know how to build your own house. (2) Grow your own food (3) Or how to operate without government issued money.

[@megaman4201]

Sunday at lunch time here in Annapolis Maryland, just subbed! Married to a Filipina for 30 years and checking out all these vids since we may be forced financially to retire to the Philippines someday... I need $3000 to $4,000 a month to retire here in Maryland. We are in our 50s now and don't really have retirement savings yet.

[@johnkeogh42]

Good advice. I'll be coming over with my full retirement pay. Pension, county retirement and social security to live with my girlfriend in her place to start.

[@GUITARTIME2024]

Have you met her?

[@alicefallao7844]

Warning! You have to save and keep your full retirement money. When you visit your GF. Don't spend them all for her. Save to yourself too. I've just watch in Raffy Tulfo vlog that this foreigner asking help how to get back his money that he invested in building a house to his Gf.because his GF dump him.

[@calvinsparrow9829]

Good video, great advice and information. Along with what you state, as someone else mentioned as well as you have before, visiting PI and asking questions while gathering information will make the transition to living there. Finding out all the steps with all the agencies and banking, to me would be the most critical part of a smooth transition as the first steps

[@RichTravel1010]

Thanks for watching

[@tyronesmallwood]

Here are a few ideas for you. 1. Maybe interview some guys that are having a tough time at it, or guys that are doing well. 2. Everyday occurrence videos, such as shopping, eating out. 3. Different places for rent, perhaps a tour of some of the rental units. You may be able to strike up a deal with a realtor as well.

[@RichTravel1010]

Thanks for the tips!

[@randyholly2594]

Great video. Appreciate your straight forward honesty. Just subscribed.

[@RichTravel1010]

Thanks for watching and commenting Randy !!!🙏🏻👍✌️

[@frankyfourfingers1382]

When addressing the general public, I'd agree that it is wise to err on the side of advocating a larger sum like $1500 or whatever a month. Most people are horrifically bad with money, getting deals, and investing. But the funny thing is, is that the type of people that would be most successful at this lifestyle are those that don't pull the trigger, because they, generally in life, are always taking a safer approach than is necessary (safety addicts). I wish I'd flew over there (before covid), and I'm sure I could live on $500 a month, better than I live in Canada currently for far more. Because I find enjoyment in finding deals. I would spend all day on the internet making money, and would buy fresh produce to cook with, and with an $80 apartment, I fail to see where I'd be spending money. If you are this type of person, and without booze and non-stop girls, I fail to see how you wouldn't kill it over there. If I ever get over there, I'd love to buy you an all-you-can-eat steak dinner, sir.

[@RichTravel1010]

Whenever you want to meet let me know. If you come and need help in the area I’m always here to assist people no charge...... Except the steak you graciously offered!!! 👍✌️❤️💪🇺🇸🇵🇭

[@carvercapitalequitypartner122]

Two cold beers a day and stick to one girl, not the multiple girl BS. Keeping one girl funded is enough. Dont forget the 700 peso Red Ribbon birthday cake for each immediate family member's birthday cause they will be looking at YOU. Hopefully you get help on funding the lechon and ice cream also.

[@lesliethilow3011]

Great to see a realistic video on cost of living!

[@tyronesmallwood]

Another excellent, informative video. As Americans, or western expats, we are accustomed to a certain lifestyle. I think you can do well with 1,500 dollars a month. That's my personal goal. To make around 1,500 dollars a month online teaching or something else. Personally, the e-begging thing is shameful and it's not a sustainable way of living. The idea is not to just live, but to feel alive. 10,000 dollars in savings seems reasonable.

[@2000ViperGTSsubscribe]

If I saw or heard from an e-beggar I would LMAO @ them.

[@Synfulz]

I am retiring next year. I am looking forward to it. Red Ribbon is a great bakeshop.

[@rickbold9337]

You are correct sir. $2,000. To be comfortable

[@tinamaria7436]

Salamat! You had me On your Amazing info # subscribed 😀🇵🇭 as I got older I’m becoming a minimalist I would love to retire in PI. Stay safe stay well

[@peteredan7352]

Been married to a Thai for nearly 20 years. She's from the countryside, dirt poor family. They've never asked me for a red cent in 20 years. However, you marry the girl, you marry the family.

[@keepcreationprocess]

Can you enjoy a good life, when you see the family is dirt poor?

[@jacko3423]

Thank you for your honest assessment.

[@bigjohn5590]

Good info...I like Steven....he is a straight shooter

[@RichTravel1010]

Thanks Big John !!!

[@charliemulligan1988]

Thanks for your sincerity and honesty brother. Charlie from Boston here. Recently widowed and traveling. Philippines is on my list. Mexico next month. You sound like east coast. Where are you from?

[@RichTravel1010]

Boston Area !!!

[@markking3755]

right now i am living in arizona and i am getting $1000 a month that i have been living on for a year now here in the states so i know i can live there even with a girl friend on $1000 there in the Philippine and yes i do have ac and run it over 12 hrs a day now 7 days a week for it get in the temps at 105 every day here so no problems there in the Philippine

[@RichTravel1010]

That should be fine but only if you are not a big drinker and you reside in housing like mine and live frugal but decent. Sounds like a good plan.

[@markking3755]

@@RichTravel1010 hi i like the way you say a big drinker and not like how most people just come out say alcoholic for there is a big difference between the two for i do come from a family that was a big drinkers in no way they were alcoholic. alcoholic can not control there drinking in the first place and big drinkers can

[@twstvan93]

I married a Filipina but not her family who is able to look after themselves, and I told them and the pastor that. Her family has land and are earning money…they and even their family or relatives will expect more than you can give while at the same time not realize they are sucking you dry. If they suck you dry it is only your fault, so keep it basic and say no lots until they get use to it, but support them in a reasonable way. Just avoid raising their expectations and you’ll be fine.

[@daveinthephillipines7055]

Giday imm from australia ive been liveing here in the phillipines for about 18 mounths and imm married to a philipina we own our home and a few ricefields we are in a province area we live reasonably on 1000 dollars a mounth thats everthing internet food alcahol travel absolutly everything . If you want to eat like vfc you did back home it will cost you m oi re here you have to realise ur a visitor its not urr country it isint going to change CDC to suit you idd agree 1500 a mounth uid live really well

[@RichTravel1010]

Thanks for sharing Dave !!!

[@WendellD00]

Thanks, most honest info on the subject!!

[@Iron2011rob]

Although I appreciate the rundown on how much things cost, I see Americans live in the States on 600 a month. It isnt so uncommon anymore. With the general information I have gathered, I wouldn't move to the Philippines without a minimum of $2000 a month. This being said, I am sure someone will make a life with only 1/10 of that. ...after a couple basic needs are met, happiness isn't measured by wealth.

[@senseofstile]

Philippines health care will not accept your health insurance. You will need to pay cash and then submit a claim to your insurance company. Your insurance company might reject your claim. Hence the $25,000 figure is accurate. Don't go to the Philippines if you don't have it.

[@RichTravel1010]

Pacific Cross pays directly if you buy Access card and you go to approved hospitals.

[@senseofstile]

@@RichTravel1010 This is the Philippines. It would be interesting to read about someone that actually experienced a hospital accepting any insurance ,other than Philhealth, as direct payment. It is a great theory and the insurance companies might promote the theory but, in reality it might be a different story.

[@evelinholmes6401]

I think the best advice is looking for a girlfriend that has a job and is not reliant on you. A girl with pride. I do watch some vloggers and the come across as phedofiles . Some are down right discusting. Keep up the good work👍

[@glendakumar5299]

Thats the word Pride Self Respect and Honesty...

[@theyotu1970]

Hello just saw your video and subscribed. I liked what you said about general living in the Philippines. Im from NY and have been to the Philippines 3 times. i like it very much. Plan to retire there when Im 62. Turning 50 in December. Been married 10 years to a great lady from Leyte. I love Bohol. My favorite place in Philippines. Been to Manila and Cebu. My wife is from Ormoc City. I agree with you that you can live fairly well if you look around and research.

[@bernardolopez2770]

With money you can live anywhere in the world!

[@bsgdbdyddhdhdhdnddh6754]

Good point Sir ,. Good reaction to Filipino family style

[@Tobeon2]

I have been visting Boracay in the past 10 yrs for windsurfing and Kitesurfing. I normally stay there for about 5-7 weeks. Boracay is probably the most expensive place in the Philippines if not in the entire SE Asia. However, even in Boracay, I have seen relatively cheap and practical(!?) lodgings as well. Personally though, I would not try to live in Philippines for a long time unless I am married to Pinay or at least living together as a gf.... By the way, Thank you so much for your honest opinion!!! (^~^)

[@RichTravel1010]

Thanks for the comments

[@rayfordstrange1963]

I enjoy all of your clips including this one. One question: What camera do you use? I teach bible studies and need a good camera. Thank you. Keep up the good work.

[@RichTravel1010]

Iphone

[@jillesguzman3333]

I'm just waiting for one of those narcissistic soy bloggers to put out a video yelling into the camera that he lives on 80 Dollars a month by sleeping in a sewer and getting by on goat milk. All the while screaming some live your life hashtags and promoting his patreon page, surrounded by his "friends" who all think he's kalog anyway. People: be reasonable. I'm going on 1,8k a month and will try to continously lower my expenses as the time goes by.

[@alan2102X]

Typical ultra-spoiled Westerners think that a modest, decent life is "living in a sewer".

[@joseinluzon2218]

I get paid (retired) about $5k/mo. We live on about $1200/mo. We could easily spend more, but why? Do I really need a penthouse in Makati? We are very happy in our 3 BR townhouse in Alaminos, Laguna (So. Luzon) for $150/mo. Just because you make more money, it doesn’t mean you have to spend it. That was my old American mentality. I focus on living, not on just spending. You have the best common sense channel for expats and veterans who have common sense!

[@RichTravel1010]

Thanks 🙏🏻

[@pinoyboyusa3340]

Funny how you had to explain the financial responsibility of taking on a partner in the Philippines. Common sense will always prevail, just don't forget. Lastly, always use the big HEAD for thinking!!! Well done, SIR...

[@mauricetamata4265]

Thanks Steve to share the video, cheers and hulaluia...

[@brianreid8751]

I like the province area over the city - less noise - less pollution

[@smrthodanje]

Yes, the province is good. I was in the area near Tanay for 4 and a half months. We lived well.

[@kevin.afton_]

You also have to buy 4 plane tickets. Two one-way and two return tickets. Because when you arrive you dont know when you will return home. So the first return ticket you wont use.

[@thurstonhowelllll948]

Paint, Toilet Seats & AC window unit - ok got it

[@carvercapitalequitypartner122]

BYO toilet paper also.

[@watersbey25]

Please be careful running the AC. Electricity in the Philippines is much more expensive than the United States. You can easily hit $150+ a month if your not careful.

[@rosatropel5184]

Thank you for your honesty! Love your blog!

[@RichTravel1010]

Thanks