I'm a fan. I am retired, live in Portugal. I am developing a tiny business and don't have a high net worth but it is fun listening to what you have to say.
Since Portugal is in Schengen, if one does his visa with Portugal (D7 visa seems very easy for any American retiree to qualify based on Social Security alone), but actually lives elsewhere in Schengen, would the Portuguese government even know? Contrary to the visa by investment program, a D7 visa holder is expected to live in Portugal. I guess their rationale is if one doesn't bring in a big chunk of money on day one, he should at least spend money there all year round.
As an Irishman I left 5 years ago. I go back regularly and Dublin especially is slowly becoming a ghetto. Would not recommend anyone to move there. Outside Dublin is better but government are settling up assylum centres everywhere, so don't be suprised if you see towns full of non irish.
I began watching this channel with high hopes 😅💔 a little concerning recommending Ireland - I live here. Weather is not good at all, rains everyday 9 months of the year. Rent affordable? Try an average of 2k€ a month for an ok place… especially by Dublin. This is a place to make money and then leave, not come over. Irish people fleeting left right and centre as soon as they can. You might aswell recommend Canada, it’s nearly the same when it comes to housing and affordability.
""Dublin, which receives 683 mm (26.89 in) of rain per year, on average. The weather station with the highest number of "wet days" is Belmullet, with 193 days per year, while the station with the lowest number of "wet days" is Dublin Airport, with 128 days per year."
not necessarily if you are skilled, talented and creative that is where your greater opportunity comes from. It is plenty of retirees from America and Canada retired in The Philippines and even some young Americans from America living long term in The Philippines, and they all went there with average money. Most of them have started their own businesses, they figured what The Philippines was lacking and or what a lot of local people were demanding and are meeting their demands and satisfying their interest and now some of them are making a couple hundred U.S dollars a day. I tell people this all the time when it comes to Asian countries and Middle Eastern countries even in small European countries you don't need a lot of money, your skills, talent, knowledge and creativity can be the solution to create the opportunities that you want for yourself. I remember in one of Andrew videos when he told us he used to work at a restaurant in The United States a long time ago so it isn't always about the money with some people greater amounts of money comes sooner and quicker than others for those that it doesn't you will have to utilize your own skills, talent, knowledge and become more creative to get the outcome that you want out of life.
@@jamalgreen3056 The Philippines is very cheap, but the heat and humidity is brutal. It's a good place for a remote worker to live and save money, or a retiree who has a fixed income, provided they can tolerate the cultural and environmental differences which can be challenging. The scenery and beaches are beautiful and you only need to wear a jacket when riding on the air conditioned buses.
@@Sam-rr4ekThe weather! 😂. There’s a reason the Irish are known for drinking. Rent is also as expensive as New York lol. I live in Ireland. The only thing I like about it is that it is a laid back country and no political upheavals yet. Tax is also crazy here. Rental income is taxed at 52%, ETFs taxed at 48% etc. Corporate tax though is low compared to other European countries.
At 50 I moved out of California and came to a city in Mediterranean Spain Alicante . Still perfect for retirement ! Thins is I’m not retired ! Affordable great health insurance and food !
Malta is English speaking due to being a former UK colony. It has the Mediterranean climate and lots of food variety. For later in life there are assisted living facilities, something which is not found in most other European countries. Not that hard to qualify for residence. Another surprising possibility is Switzerland for non-lucrative visa long term residence. Not too hard to qualify financially if you have above ~ $3,900/mo. passive income. The kicker is high cost of real estate, but the payoff is some of the best quality of life on planet earth, and English is almost universally understood and spoken. My #1 choice.
I work in Malta every winter for around 7 months and have done since 2012 and while it used to be somewhere I would have considered for retirement it wouldn't even factor into the equation anymore. An overheated property market, crazy levels of immigration, rising crime and overcrowding/traffic and very little in terms of biodiversity/outdoors things to do other than go to the beach due to it's small size make it somewhere that I feel would become claustrophobic in a very short space of time. Not to mention it's one of the most corrupt countries in the EU. I have a home in Portugal and while the comments regarding bureacracy are on point (it's a nightmare) and taxes aren't the lowest I balance that against the low cost of living, the wide varieties of natural environments to enjoy, the very friendly people and low cost of housing if you look outside the major cities/ex pat areas and it still ranks as somewhere that's worth retiring too, particularly if you enjoy a simple, quiet life away from the excesses of modern western culture.
Portugal is maxed out so far as housing options are concerned, the SEF immigration arm crashed about a year ago and everyone on the site lost their position for residency. PT has peaked
Since Portugal is in the Schengen zone, if you do your paper there and live elsewhere in Schengen instead, who would even know? My understanding of the Portuguese D7 visa program is that just about any American retiree can easily qualify with their Social Security alone.
Portugal WAS a viable option, the biggest gripe is that it became so popular because of its low cost of living, affordable housing that it became a problem for the population. I have co-workers and friends in Portugal, and the natives can no longer afford housing, it went from a regular 100K usd home price to 400K for a hole-in-the-wall over 10 years. This made the population recent the influx of a new population rather than the welcoming nature of the Portugese citizen. Salaries are still low there, which makes it a very attractive place to move your business to, but the housing cost and rising cost of living is a problem. For a country with a lot of sun-hours you'd belive they'd have an excellent electrical infrastructure, but no - the rules and regulations makes everything cumbersome and you'll find electricity being very expensive there as well.
I’m originally from Lisbon but currently living in one of the most expensive cities in Switzerland. Surprisingly, the actual cost of living here, just 20 minutes from the city center, is lower than in my hometown. I’m now considering some bizarre options, such as working in Portugal on high paying temporary contracts as the local workforce being driven out, while maintaining a permanent home on the outskirts of Geneva. Interesting times indeed
Western Europe, UK and Ireland all have the same problems, which we all know but can’t discuss, unless you’re gonna live far away from any major city I wouldn’t bother. If Trump gets in then there’s hope for us all. But as it is all the western countries Canada, US, UK, Australia, NZ, France, Germany, Sweden etc etc all seem to have the same problem.
Yeah, I’m Welsh and after making some cash in US, my ex wife wanted to live in Ireland. Even wetter than Wales, I lasted 9 months and ended up in Monaco.
Interesting how much better the weather is elsewhere, eh? I'm a Norwegian, moved to Bulgaria in 2022 and this year I moved to Georgia. Favoring Georgia for the 1% tax for now. Summer here in Batumi is 28-29 'C almost every single day. Quite bearable, but looking forward to lower temperatures now.
@@zionmorpheus I heard there are five european countries which are the first to, "test," the vxx/digital id passport, and, yes, portugal is one of them.
I was in Greece years ago and I found it was easier to find someone who could talk German than English. That worked for me since I can talk conversational German.
Portugal has a plethora of ongoing, SLOW, beaurocratic issues . SEF the immigration/ border department, was scrapped, almost a year ago...AIMA the new department, has 400,000+ applicants, awaiting residence cards, living in limbo. Supermarkets, cars, petrol are all more expensive than other EU countries. Road tolls are very expensive as well. Hospital standards are very hit and miss and private health insurance/ premiums, are not transparent.
Ireland : great friendly people, great landscape especially the West coast. The country's population is changing quickly. Might not be the same in 10y time. Monaco : id rather live somewhere else in the Cote d Azure or in Provence. Greece : great but too hot in summer.
Monaco, too expensive Ireland , I like the idea I think I’d have to get away from the gloomy weather for short time during the winter perhaps in Greece Greece is too hot for me in the summer, but I like the food and the people and I don’t mind earning the alphabet which I’ve learned and learning more language, even though I’m older. :).
Like he mentions 2:45 Groceries and basic stuff is not that expensive and I can honestly attest to that. Housing is indeed expensive amongst other things, but people who retire usually have their mortgage behind them, and buying a house(again, not renting) in Ireland is not cheap but not that expensive as well compared to places like the US/Canada.
I am an Irish American and I love the mother land. However; I wouldn’t retire there because of high taxes and the high cost of real estate.
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@@ethancook5705As he alludes to, income tax is rather high for the locals but if you can get non-dom status and optimise your financial affairs accordingly, Ireland can actually be low tax (although it you are Irish yourself and born in Ireland it wouldn’t work for you as you’d be considered domiciled in Ireland). And also if the goal is to retire, there is lower tax for people aged 65 and over). And yes accommodation isn’t cheap vs the southern European counties also mentioned in the video, but if say you’re selling a decent property in a decent US city you can definitely afford to but something decent in Dublin for that money.
Albania and Montenegro look a bit depressive in terms of how old the buildings are and the beaches are all rocky… I think that Spain and Greece have a more cheerful and happy vibe. Thanks for this video
The flip side of the coin is that annual tax is very low. If you own long term, the up front tax is superior. In the US you pay 1% annually for the rest of your life.
My cruise ship stopped at Azores. I want to retire to Azores: Europe's Hawaii. All the benefits of Portugal, ad the benefit of a lower VAT. Also, regular flights. Natural beauty like Hawaii, but without Hawaii's high cost.
Ireland? Up to 30% of their population is Muslim migrants, a lot of them military aged males. They burn churches down and it will get worse before it gets better. As a Eastern European I can assure any wealthy American that after the novelty of moving to a Eastern European country quickly wears off you will find yourself in a place that isn’t nearly as welcoming as you thought it was and missing a lot of things from back home. You will be bringing with yourself the exact problems that made your home turn undesirable for retirement in first place, to your new home. Sure if you are wealthy enough you can create a bubble, but bubbles pop and do you really want to live in one? Maybe you do, but if you fail to create a bubble at home what makes you think you can create one in a foreign country? . I have followed Andrew for five years now and read his book. He paints a picture for his business but leaves out a lot of pesky little details about the locations he suggests or favors. I know because I’ve lived on three continents with several passports and have traveled probably nearly as much as him.
@@nickb- minimum 150k illegal migrants every year for the past three years.... That number is planned to be increased by the irish government.. Native irish will be minority in 7 years.
I'm in Batumi, Georgia. They have mosques here. No migrants. But about 40-50% of the locals are allegedly Muslim. Can't tell though. I'd rather live in this 50% Muslim place compared to a violent shithole in Western Europe. It only takes a few hundred migrants to make a place unsafe if they're the wrong kind of migrant and local enforcement isn't adequate. Women and simps are destroying the West.
The EU is becoming a cesspit. East Europe and the south are ok. The Balkans look good too. I personally rate the Mediterranean parts, Spain, Portugal and Greece, and I also think that Romania, Croatia, Slovenia, Montenegro, Albania, Hungary and Bulgaria are decent places.
Regarding Ireland. You mention the weather being "better than you'd imagine". The weather in Ireland is generally colder, wetter and cloudier than England.
I live in Greece, returned after over 20 years, living in 3 different countries in Europe and the Middle East and I’m so happy with how much the country has progressed. Great food, weather and amazing service is a given
Hi all, as a Portuguese person who has lived in many places, I can assure you that you don't have to speak Portuguese. Unless you move to a very remote rural place, everyone speaks English. My sister in law doesn't speak Portuguese and lives happily here in Portugal in Cascais
I live in Portugal and love it but do agree with the difficulty of the language. I’ve been learning it for 2 years and would only say I’m at an A2 level. It is very easy to get by without learning it though but i don’t recommend that strategy
Retire in European Union or in Europe generally is not a good idea I mean. Europeans will be confronted a lot of social and political problems. I would rather flee from Europe and not hold my wealth there.
@@FromTheBiggining Malaysia, Thailand, Philippines, in that order. People are nice, cost reasonable, access and activity levels all pretty good. Weather sure beats Ireland.
@@briandriscoll1480sounds like you are Irish.😊 I know many people from tropical areas who find places like Ireland to have nice weather. Breathable clean air and moderate temperature.
I went to the Irish consulate in San Francisco a few years ago, and I was not told this song to dance about how easy of a transition it would be. There were a lot of hoops. There were a lot of requirements. Long story short I’m still in California.
After seen it all and being abroad for 22 years, I’ll go back to my home country Romania by next year and probably a house in Colombia. I have family members and friends in Romania, Colombia, UK, Germany and USA.
@@ruralsquirrel5158 Yes, don’t need to go to the capital. There are many medium size cities with decent life, most of the country is also quite safe in general. Landscapes are amazing, you pick and choose, mountains or seaside in the warm times from April till September, food is really good and people in general are very friendly and welcoming towards foreigners. The minus will be the bureaucracy and the amount of trips you need to take to certain offices to try to sort out something but a lot of them can be done online, now.
@@ruralsquirrel5158absolutely, we have plenty of foreigners from western countries retiring here in Romania! They all deem it as a secure and stable country, with good, natural food and a friendly environment. Cost of living is still also very cheap, with housing prices around 40-150 thousand euros, and rents around 400 to max 1000 euros a month. We have good centralized heating in our cities and overall our quality of life is a steady one :)
Batumi, Georgia here... I'm so sick of near-perfect weather, 27-28'C each and every day. I'll pay you to take some of our weather. And yea, I really am sick of it. Early morning is fine, the rest of the day kinda sucks.
Southern Russia by Sochi is very nice. Saint Petersburg if you prefer the north. Russian people are very friendly, unlike what one years from western media. Government is a bit "dicey" but heck the USA is not a bed of roses either.
I like Putin but I have a feeling I wouldn't be very accepted as a Canadian. Though I can't blame them since the morons in my government funded Ukraine.
Although Brazil is the only country in S. America that speaks Portuguese, one should take note that Brazil alone is HALF of S. America either by territory or population! Most of the Spanish-speaking countries there are tiny. If the Spanish-speaking country you are in doesn't meet your need, you need to deal with a different bureaucracy when you cross the border. Brazil is big and diverse enough, eg. they have regions that are quite German, that if one region doesn't suit you, move to another region, but you don't need to deal with immigration all over again.
@@Sam-rr4ekpeople just seemed very depressed. Friendliest people were British tourists. Just felt like I was in an ad advert for antidepressants. Had a group of kids try to provoke a fight with me so they could get their older brothers involved.
I am from Spain. Do we actually need all this expats (migrants) and retirees who don't really appreciate our culture and language but want just to have nice weather, low expenses, good food, good healthcare and good quality of life for a low price? They increase prices for locals. At the same time they demand "good service", not to have to learn the language and especial taxes for them (this guy is obsessed with taxes).
I do not think retiring in south Europe like Spain, Greece, Italy and Portugal is a good idea. Surely the cost of buying a house must be lower than it used to be, locals are nice, culture is great and much more. However don’t forget the “elites” are trying to destroy our beautiful Europe by importing illegal immigrants and destroying our culture (look at what’s going on in schools and how delayed are kids these days). In terms of immigration, we’re talking hundred of thousands per year. Social unrest will follow, destroying the middle class, small businesses and healthcare... It’s a controlled demolition. I would rather go to South America if I had to move.
Please include de safety aspect next video. I.E.: a woman alone that wants to feel safe. The recent news with the immigration that it is bringing all kinds of people, but mostly dangerous criminals to Ireland, Spain, Italy, France etc… Europe is no longer appealing for me, unless it becomes safer.
Ireland is being flushed out with immigrants, unfortunately. Don't blame them for wanting to go there, but high volumes of very different cultures on a very settled one, is a recipe for discontent.
To think retiring in Spain as a whole ist wrong. There are many places with different vibes and lifestile. For example, the island of Ibiza is the worldwide capital of electronic music, super-rich people and drugs, because it was a hippies-island in the 70'. Marbella in the South is for showing money and luxury but the island of Mallorca is quiet luxury and it's like a German state. The island of Menorca is for rich families who want peace. By the way there are different languages in Spain, so in Ibiza, Mallorca, Menorca, all Cataluña (Barcelona) and Valencian comunity they will speak Catalan. In the North there is the vasc region and they speak vasc, and in the Northwest there is Galicia were they speak a kind of mix between Spanish and Portuguese. One place growing attention is the south of the south, next to Atlantic beaches, next to Chiclana de la Frontera, very quiet, sunny and cheap.
Im living in Ireland for the last 20 years and the weather is bad. You might have 2 months ok weather that’s the max what you get and for the rest you have autumn and it’s so depressing. Corfu in Greece is nice and beautiful but the roads are terrible 14 km it might took you 50 minutes drive
What about Poland? Especially for someone who lived there for the first 20 years, then moved to Canada for 35 years but does not like Canada anymore. In such case is Poland a good option? The language will not be an issue. Thank you
Nothing has changed, the country is still between Germany and Russia, and others want some too (read: cheap work force, resources, land etc). Plus the country has now a substantial minority of Ukrainian people and the left-wing government executing elites' orders. The country is still beautiful, food is great and people open, but tired with it all, high cost of living included. As far as I remember double income tax applies (upon returning from the UK for instance). Sadly, it's a no for me, but everyone is different...
I moved to Warsaw Poland 5 years ago from Ireland. Will never return to Ireland. Poland is a wonderful place with great people. It's getting a little more expensive but still cheap compared to alot fo Euro countries. I would say most Poles I know don't realise how good they have it.
My cousin lives in florida.zero state tax and has a property owners he pays zero federal tax due to real estate deductions. This guy talking to us is all about taxes. He would live under a fascist if it's means low taxes and no human rights.
Interesting list and ideas and information. Since he talked about Montenegro, what does he think about Slovenia, just up the coast from Montenegro for someone that is retirered.
I can tell you for a fact, unless you are Japanese and can fluently read and speak, do not. The bureaucracy is mad and there is no path to citizenship. Even residence permits are extremely difficult. Russia? Really?
@@blktauna Of course it has a path to citizenship. Generally 5 years, and then apply for naturalization. Have never really had problems with the bureaucracy. As an employee in Japan, you don't have to do a thing. As a non-employee, well you'll want to outsource most things until you learn the ropes, but that's the same in most countries. As far as getting a residence permit on the basis of starting your own company, you wouldn't want to do that alone (goes without saying). Getting a residence permit is trivial if you've first secured a job and have the prerequisite Bachelor's degree or similar.
Don’t retire here to Ireland. There’s a housing crisis and we’re getting sick and tired of foreigners buying up property. There’s a change in atmosphere in the country because of it. This guy simply doesn’t know enough about the country. The weather is also a lot worse than he claims. We’ve had non-existent summers the last 4-5 years. Constant rain.
Nope!, do not retire in Europe. Retire in a country with great Healthcare that is next to your favorite place. . Beach or forrest. Make sure the country is slow-paced. Like: the Philippines or st. Kitts
I live in Greece and am a retiree. Public services, e. g. Health care, are deteriorating, continuous immigration takes place, the cost of energy is one of the highest in Europe, as well as inflation, and the infrastructure in the beautiful remote areas one sees in photos is very bad. Also, the Govt. keeps changing all the laws, tax laws included, too often, so you may not know where you stand from one day to the next. The people in the country are getting poorer, and guess what that leads to... Also,laws coming from the woke culture are introduced gradually. All this comes from decisions of the EU. Of course, if you are very rich, you might not care about most of the latter... But, what about health care? Unless you live in one of the big cities??
My fiancé is from the Philippines, we are aware of a process for her to get Spain citizenship in 2 years, and for that reason alone I would consider spending at least a few years of my retirement in this country just for that passport benefit.
Although Turkey is about 3% in Europe, Turkey is not really considered being in Europe, but in Asia. Turkey is pretty nice though. Nice people, good food.
Serbia. Outside of the EU and they did not go along much with the COVID tyranny and injection campaign. Not woke either. The only risk, the leaders want to join the EU and it is surrounded by EU countries.
I would look at the following for retirement in Europe. Montenegro North Macedonia Greece Turkiye Italy Spain Albania Serbia Albania Cyprus There are maybe a few others (Bulgaria comes to mind..as do Armenia and Georgia). Nothing is perfect. All have their pluses and minuses. For Asia..the places I would consider are. Thailand Philippines Indonesia For me, personally, because of family ties, I add Vietnam and India. My choice is Vietnam...but that is because of my family ties. Normally, Vietnam would not necessarily be a place because of the lack of appropriate program and visa. Same can be said for India...though Sri Lanka intrigues me. Fiji also intrigues me, though I have my concerns there because of how they view people of Indian background....love/hate. I actually like Latin America. The following are worth considering: Mexico (though starting to get pricey) Colombia Ecuador Argentina (watch out for your money there) Paraguay Uruguay For Africa ..the places i would look, but I don't know much, are: Morocco Tunisia Egypt
Moving to a small town in France for retirement. Local produce and weekly street markets, lots of walking, healthy climate, great food, wine, and culture! Heaven for me. France wont tax my retirement income (no double taxation). Train to Paris - about 2 hours, direct to CDG airport. High speed trains to everywhere in Europe. What’s not to like! (I do speak French pretty well).
We are Brit ex-pats living in rural Calvados. About an hour from the coast and 2 hours to CDG. We didn't come as retirees (though I am retired now and hubby retires in March) and have a small business helping people relocate and buy/sell houses. We could never have afforded our home in the UK. It is a 17th century half-timbered cottage with an acre of orchards and gardens and no houses nearer than 350 yards. The weather is better. The beaches are pristine. The sense of space is wonderful. While France isn't perfect, the average Brit home-owner can afford a house here which is so much bigger and less hemmed in. We live in a part of France famed for it's beauty and commensurate with the Dorset. That is a big plus.
I´m spanish, and it´s getting complicated with the ilegal inmigration, they are violent. Spanish laws are a joke, you can go out to buy bread and when back your house is occupied and the OKUPA has more rights than the owner. I´m in this channel choosing where to move :)
This time you are DAMN WRONG, Andrew! The best place to retire is Madeira, the beautiful Island of Eternal Spring! It’s technically in Africa, but part of Portugal and the EU! Just got back on Friday after spending 2 weeks there! The weather is mild. Hottest it got was 87 degrees Fahrenheit during the hottest part of the year on the hottest part of the island, compared to the 100+ temps we’ve been having in Texas. It’s safe, good infrastructure, great local food, relatively inexpensive and oh so beautiful! Who cares about taxes and bureaucracy if you can live in Paradise!
I've only been to Greece on this list and from my short experience there, the people were very friendly. And as an American we only knew a few phrases but got by as most folks speak english very well.
Sadly the infastuctures remain largely underdeveloped there. Keep fighting corruption and the country will be lifted... also all the systems stuck a lot in the Roma minority
@@kd1405it's better in practically every way than the West but I'm more than glad to have westerners think it sucks. That's how we keep their influence away. But ya roads outside of cities suck. Boohoo. Great reason to give your kids hormones and have your daughter be a whr
We retired from England to Antibes, France. Just do not understand your ideas about France. We pay tax in France. We have joined the medical system and have French driving licenses. It's all straight forward and easy. So in France you can live in a large villa whereas in Monaco it would buy you one room with a toilet.
Nomad Capitalist, Why don't you ever factor the cost and availability of healthcare/dentalcare in picking the best place to live, especially for retirees? I wouldn't mind if you added this factor in your future videos regardless.
I guess somewhere with a warm climate with cheap healthy food. How about see if you could live in your RV and work on someone’s farm, could that be an option for you?
pension, taxed? pension should not be taxed. pension is not income from work, but rather a social benefit from government (even if it's from your own money you paid during your working years). or at least, it is in my country in EU. pension itself was once a tax going into pension funds, which was - not paid to me but paid to people receiving pension currently, and my pension will be paid from people working at the time i have retired (it's quite like a ponzi scheme); and government kept investing those pension funds but it didn't work quite like 401K in US (i actually don't know, only assuming) - it didn't result in increased pension, but rather that money went to other needs of the gov. if such pension would be taxed, that would be really unfair. there are a lot of people receiving pensions - and growing - and they all are avid active voters, but if voting wouldn't help, i can only imagine the chaos they could do if they banded together and would protest it. or, you know, do some other things en masse - anything en masse has a potential to disrupt anything.
France in my wife and my very specific circumstances will be zero taxes on our income. But we need to do a few things first to ensure that will happen. Plan plan plan!
@@DexCode1337 I’ve been to all the EU countries and Malta was the safest from my experience. I stayed in an AirBnB where the lock code was 0001 and was not changed in a while, so these two buttons were worn out. When I asked the host if it’s ok he said that there’s absolutely no crime so nobody cares about the codes and locks… as for the prices, I did not notice that they’re any high: taxi is affordable, restaurants are not much more expensive than in Croatia. Maybe you had another experience.
Don't even come to Ireland. I'm getting out in a few years and moving to Spain. Whatever romantic vision you have of this place is just an mirage. Our government is woke & driven by the EU. Everything is far left & anybody who doesn't agree with them is labelled far right! It's horrifically expensive here, young people need to leave to live! Great golf courses though!
Im watching this in Ireland. Yes, friendly people. The weather is shite though. Still a lot of open space. Coming fr the US prices are low(ish). Taxed average. Not too bad. Language is a plus. Corruption low. Id pick a greek island instead of the mainland. Spain is cheap overall. Laidback. Id pick the northwest f the weather. Portugal is a bit odd and uptight.
When it comes to retirement or even if you aren't ready to retire yet, the European union have a lot of smaller countries that have a much slower pace of life, and they still use cash as well. The European union is also adopting what Asian and Middle eastern countries are doing which is to attract people who are highly skilled and talented. Even though if you are retired but if you still have a creative mindset and can create opportunity within the country, they are welcoming you in.
