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Dear Reader,

In the country that takes the #1 spot on our hot-off-the-presses 2020 Global Retirement Index, you could live a lifestyle that would easily cost you six figures at home…only do it comfortably on a retired teacher’s budget.

The country I’m talking about—the world’s best retirement haven for 2020—has broad appeal…

Cosmopolitan cities sit along a rugged coast…beach towns tuck between golf courses…highland communities boast towering castles and cathedrals…rivers and vineyards provide rural retreats…

The weather is hard to beat. A temperate climate allows plenty of time for outdoor activities—from biking to hiking to water sports. Healthcare, both public and private, is widely available, affordable, and excellent. A couple can live well on $2,034 a month, immersed in history, culture, and eating out often.  

I’d like to hand you all the details about the #1 winner (and 23 more countries you should know about)—FREE—details below. 

“[We] immediately saw our expenses fall to between one-third and one-quarter of what they were back in the U.S.,” says one expat smitten with the experience she and her husband have enjoyed in this #1 pick for 2020.

“There is a live-and-let-live mentality here, which I value more and more every time I return from the States. You can sit for hours at an outdoor café nursing one cup of coffee or a glass of wine, and no check will appear unless requested. The locals are polite from a distance—it’s normal for a person on a crosswalk to wave ‘thank you’ to the driver who stopped—and willing to help if asked, but content to keep their lives separate from yours. Until you become friends, that is, and then you will have gained a trusted ally forever. And English is widely understood almost everywhere.”

Great Bang for Your Buck

You may assume that European countries are too expensive to be viable overseas retirement havens, but let me share the good news: This intoxicating country, which takes the top spot in our 2020 Global Retirement Index, offers the best-value living in Western Europe today—pairing low costs with rich cultural offerings and beautiful, historic surrounds anywhere you go. (And beaches…oh, the beaches…)

A lunch for two at an inexpensive restaurant runs $16; pay double that for a mid-range eatery. A round-trip public transportation ticket is about $3.25, but you can travel on a pass for an entire month for less than $40. Utilities average about $110, and internet usage about $27 for one month. 

In the capital city, rent for a tree-bedroom place might cost you $1,300 right in the city center, but $800 farther away. And in secondary cities, you can expect to pay less: $915 in the thick of things and $615 outside the center.

“[This country] has what I call a ‘refined rustic’ feel to it,” says Mike S., a transplant from California. “The people and the food are two big draws, and it has the most incredible coastline I have ever seen. The beaches are breathtaking in their geological beauty. You can find stone arch after stone arch along the coastline, and hidden beaches waiting to be explored by the more adventurous. If you like snorkeling or diving, this is the place. I’ve done beach dives that rival some of the best deep-water dives I have done anywhere else in the past.”

One writer described the lively capital as “Istanbul meets San Francisco, with its pastel-colored buildings and the wide river running right under a Golden Gate look-alike and sweeping out to the ocean.”

“We selected [this city] because, first of all, it is warm,” says expat Ed H.. “After living in Chicago for a few years, we knew we definitely did not want any more freezing cold winters.”

Plus getting around is easy, which eliminates the need to maintain and pay for a car. Ed says, “Public transportation is excellent, and there is always Uber. You can Uber from one end of [town] to the other for under $6, wonderful value.

“We have been surprised at how easy it is to make new friends. In Los Angeles, we were always rather isolated, either at home or in a car. If you wanted to see someone, you had to make an appointment.

“Here Cally and I have made many new friends. As an added bonus, the people we meet here tend to be very interesting and smart. They are, by definition, international.” 

And history is everywhere. With its Old World feel, this is a country that does a wonderful job of offering modern amenities—good wifi, efficient electricity, well-connected public transportation—while maintaining its historic charms. Life is lived among cobblestone alleys, medieval town walls, and crenelated castles on hilltops—all sound-tracked by the toll of church bells. Yet you have all the modern conveniences.

Excellent Healthcare, Low Cost

This #1 retirement haven for 2020 boasts some of the finest doctors and medical training available anywhere, with well-respected medical schools in-country. Plus many doctors who graduate from these fine universities take on additional studies and residencies in the U.K. and other European countries. What’s more, many of their upper-level courses use English-language texts and are taught in English. This results in most medical professionals having some level of fluency in the lingua franca of the 21st century.

In bigger cities, the care is excellent and easily accessible. But even in small towns, it’s very good. And, as you might expect, it costs much less than in the U.S.

Here’s an example  our correspondent there shared, which gives you a sense for the efficiencies and low costs:

“We know of an individual who inhaled a cleaning vapor, temporarily closing down his lungs. Once able to breathe again, he left the tiny village where he lived and drove five minutes to the clinic in town. There the doctor on call recommended the person immediately drive to the hospital 30 minutes away, to seek further consultation with another professional. Cost of visit: $6.17.

“After a 15-minute wait at the hospital, the person met with a doctor who ordered chest X-rays and some blood tests. They were taken and read within moments. Total time: 45 minutes. Cost, including consultation, tests, and X-rays: $9.10.”

As with many places outside the United States, you have options here when it comes to health coverage—a public-health system and private insurance. Depending on your age and health condition, private insurance can be had for as little as $4.93 per month, although usually it is more in the $49.33-per-month-per-person range.

Make It Your Part-Time or Full-Time Escape

As an American, you can stay for 90 days in this # 1 retirement haven on a tourist visa, which is easy. But for longer stays, it’s straightforward, too. Temporary residence grants you a year’s stay. And after five years, you can request permanent residence.

If you’re an investor—or simply in a position where money is little object—a “Golden Visa” might suit you as it provides fast-track residence to folks who, for instance, invest in real estate with a minimum value of about $620,000—though that can be split among several properties and they can be rented out for income. With permanent residence, you can stay and travel around Europe without restriction.

Lots of Lifestyle Options from the “Green Coast” in the North to the Scalloped Bays in the South

Mellow wines are nurtured in this country’s northern vineyards. Here the coast is warmed by the Gulf Stream, so winters are reasonably mild, with temperatures ranging from about 46-60 degrees Fahrenheit. It does rain up here, though—a little like the U.S. Pacific Northwest—which explains why it’s called the “Green Coast.”

In this area, you see more local tourists than foreign—and if you’re willing to chance the weather, you’ll be rewarded by largely empty beaches and some of this nation’s best food. Plus prices represent good value. A two-bedroom apartment under construction now, a minute from the beach, lists for $183,000.   

This country’s central coast is one of Europe’s sleeping beauties, with rugged cliffs and coves, and whitewashed windmills, the beaches along here resemble broad golden ribbons. Slumbering inland are historic castle towns, abbeys, and pilgrim shrines. Small villages come surrounded by terraced olive groves, citrus orchards, and vineyards.

Completing the picture are salt lagoons, gurgling rivers, and pine forests. White storks build straggly nests on top of church towers…springy-turf cliff-tops are scented with wild herbs…stone walls trail clouds of blue-mauve morning glory flowers…village houses are draped in wisteria. Yet for all its beauty, it’s not uncommon around here to find seaside village properties listing from $135,000.

Down in the south—an area once little more than a collection of sleepy fishing villages—is today a golfer’s haven and a vacation destination for sun-seekers. It keeps an average winter temperature of 77 degrees Fahrenheit. You find here yacht-filled marinas and clean, calm waters. In one town we like, fortress ramparts stand guard. Below lies a network of narrow streets, and a riverfront filled with shops, cafes, and restaurants. Here in the main square, lofty palm trees share space with flowering gardens. A nice little 3-bedroom, 1-bath cottage five minutes from town in a peaceful setting with lemon, orange, nectarine, and fig trees in the yard, lists for $183,000. 

Easy, Low-Stress Lifestyle

Ultimately, this #1 pick for the world’s best place to retire in 2020 isn’t only beautiful and affordable, it’s just plain easy. You can fly  there non-stop from Los Angeles, New York, Boston, Chicago, Washington, and beyond.

And it makes an excellent jumping off point for exploring the rest of Europe with cheap and frequent flights around the continent as well as great rail connections.

The cultural offerings are rich and varied—with hilltop castles that date to the 12th century and chapels, cathedrals, and museums chock full of artwork. It’s home to the best-preserved European Knights of the Templar settlement, a UNESCO World Heritage site.

Renowned for its inexpensive, high-quality, and fortified wines, this country is a culinary treasure. The locals love their breads and desserts—the custard tarts are unforgettable. And with such a long coastline, fish is ubiquitous. (It’s so beloved, in fact, that it’s said there are 365 ways to prepare it—one for every day of the year.) You’ll find wonderful and varied fresh vegetables and a real appreciation for good ingredients prepared simply.

A café culture is rich and runs deep. From early in the morning until late at night, locals can be found sipping coffee at their local café. They gather to talk, read the paper, watch the ever-present television suspended on the wall, and visit neighbors at all hours. These establishments are magnets for communal watching of important sporting matches.

“We found a more relaxed lifestyle [here] than anywhere we lived in the States,” says our International Living correspondent there. “Parks everywhere burst with fragrant, colorful flowers, and it seems there’s a café on every corner in cities, towns, and villages. To sit outdoors and linger over coffee and pastry or a glass of wine without the slightest pressure to pay the check and move on is an emotional breath of fresh air.

“Also contributing to a more tranquil existence is the sheer natural beauty of the country. Rolling green hills, stretches of farmland with grazing sheep, rugged mountains, and breathtaking beaches are both inspiring and comforting.

“But perhaps the main reason [we stay] is the number and quality of friendships we have developed. From the very beginning, locals were warm and welcoming, and as a result, we have been happily adopted into a number of families. Add to that the people we’ve met through expat groups, churches, and local businesses, and the result is a solid network of great friends.”

Of course, it won’t suit everybody—no place will. And that’s ok…you’ve got lots of excellent options to consider on the 2020 Global Retirement Index.

#2 Finisher Offers Great-Value, Warm-Weather, Beachside Living

In the country that take the #2 spot, for instance, you could live on a palm-fringed coast with a view out over the Pacific.

Or you might choose, instead, a spot tucked into a lush green valley along a stream.

Then again, maybe you’d prefer a fast-paced, eclectic city with all the cosmopolitan offerings of a thriving urban center—jazz festivals, great ethnic restaurants, museums.

Your options are varied—which is one reason we like this country so much—and whatever might appeal to you, rest assured: It’s a place where your dollars will stretch.

“We live a life we couldn’t have had back home,” says Connie L., who has happily settled with her husband into our 2020 #2 pick. “If we were in the U.S., we’d both be working, at least part-time, and constantly worrying.”

Instead, they report, “Our stress level is 10% of what it used to be.” In part that’s because the cost of living is remarkably low. “For trash collection we used to pay $17 a month…here we pay $14 a year…our rent is about half what our house payment was in the U.S….a cleaning woman charges about $15 for a day’s work…

“We chose [this place] for many reasons, but primarily because we love the ocean. The beaches here tend to be un-crowded—unlike those in Southern California, where I grew up. The water is warm and usually clear. Hearing and seeing the endless ocean always revitalizes me,” Connie says.

“This town is like Mayberry in the Andy Griffith show. I can walk at night and not be afraid. Children play out in the street—that doesn’t happen in the U.S. anymore.”

In this safe, welcoming, good-value escape, a couple can live very comfortably—even lavishly—on between $1,765 and $2,890 a month, depending on where they’re based.

As expat Roberto G. puts it, “What I pay for taxes in one year [here] is what I paid in one month in Florida. That right there was a good enough reason for me to move.” His tax bill? $1,100 a year. Roberto and his wife retired to the country that takes the #2 spot on our Index this year, and he says their four-bedroom home, with a swimming pool and outdoor kitchen in a quiet, gated community, suits them perfectly.

“We’re 10 minutes by car from the beach,” says Roberto. “There are five grocery stores, there’s a private health clinic, a movie house, banks, good restaurants. We have all the comforts of home.”

But it’s not just the low cost of living that’s attractive. The weather is, too. From the warmth of the coast to the cooler climate in the hills, it’s easy to find a spot that suits you here—unless you like snow. There isn’t any snow.

“I’m a Canadian,” says Larke N. “I’m used to long, cold winters. But a few years back, my husband Gary and I had had enough.

“I refuse to spend my precious retirement years shoveling snow and huddled in front of my fireplace…not to mention donning layers of clothing from top to toe just to venture outside.

“And so each and every fall, we say goodbye to block heaters…snow shovels…hats, scarves, and outrageous heating bills…and head to warmer climes. We’re now a ‘perpetual summer’ couple and love it.”

On Real Estate Your Dollars Stretch

In our #2 finisher this year, you get a lot of bang for your buck on the real estate front, too.

At the beach—less than an hour from the capital, you can own a two-bedroom condo from $145,000—with a water view. It’s in a nice building with a pool and gazebo and garden area. Here the beach is wide and you’re in a small community, but you’re just ten minutes from the heart of a bustling expat enclave. So you benefit from all the conveniences of the neighboring community, but avoid the weekend crowds that come in from the city.

Up in the mountains, the values are just as good. In one spot where expats have been settling comfortably for decades—they call it the Valley of Flowers and Eternal Spring, you’ll find it easy to make friends and enjoy a slow pace of life. The weather averages a comfortable 70 degrees year-round. And this lush, green region is a tourism mecca with lots of hiking, birding, coffee-farm tours, and the like. If you like the idea of a retirement lived outdoors year-round, you’ll like this spot.

Here you can own a furnished, two-bedroom, one-bath home for as little as $149,000, nestled into a grove a coconut palms and surrounded by manicured gardens. It has granite countertops and lots of built-in storage. And the outdoor areas are comfortably livable with plenty of covered patio space that functions as additional living area you can use all year.

In the heart of the capital city—a vibrant, cosmopolitan urban center, you can own a nice 1-bedroom apartment in a swank neighborhood for just $175,000. This is a truly cosmopolitan city—bustling and booming. But also full of green spaces and built along a coast so you can enjoy water views for miles. There’s a historic center where restored colonial homes are splashed in pastels. And this is a city where you could be out every night if you wanted to be—eating at excellent restaurants, enjoying concerts, going to the cinema.

The point is: You have options here—great options—and they won’t break the bank. Because it’s a small country, even if you live outside the capital, you’re always within easy access of it—which means you can, really, enjoy the best of both worlds…beach or highland living plus the conveniences of an accessible big city, too.

This Nation Wants You to Come

But perhaps the most compelling reason to consider this top-place finisher in the 2020 Global Retirement Index is because this is a nation that’s actively courting folks just like you.

They want retirees to come—and they’re making it worth your while. A special incentive program designed to woo retirees offers qualified folks discounts like 50% off on entertainment like movies, concerts, and theater. You get 30% off on bus, boat, and train fares, and 25% off on airfares (including international ones). You save 15% on hospital bills and that much or more on dental and medical visits…and the list goes on.

Plus you’re offered tax incentives as well—yet another way to save on top of the already-low cost of living.

Plus, the bar is pretty low to qualify for all these benefits. You need to show you have at least $1,000 a month to support yourself, but that’s just about it.

“When my wife, Abbe, and I looked to retire overseas a few years ago, I found that [this incentive program] was a great way to stretch my Social Security pension,” says Jim G. “Naturally, the perks sounded like a perfect way to save some money, and they have proven to be just that—providing substantial discounts on many goods and services we regularly use. 

Excellent-Quality, Low-Cost Healthcare

Healthcare  is another place where this country shines.

Many doctors speak English and are U.S.-trained. Not only that, but the standards at the top hospitals compare favorably with those in the U.S., Canada and Europe. The large, first-rate hospitals in the capital are affiliated with hospitals in the U.S. In fact, one of them is considered one of the region’s most technologically advanced facilities.

And the low costs—they’ll blow your mind.

“When my husband was being discharged from the hospital after a stay last year, I went to the business office to settle the bill,” Linda C.  explains. “Since we have medical insurance through the hospital, the insurance manager came to the office (even though it was a Saturday), reviewed the bill in detail to verify all the insurance would cover (70%), and I paid the balance of 30%. This came to $3,263, including the doctors, all medications, a CT scan, and an MRI. I expect it would have been 10 times that much in the U.S.”

That assessment is pretty typical. Retirees Bill and Lynn C. tell a similar story. After Bill had heart bypass surgery and was diagnosed with diabetes, retirement was looking grim for him and his wife Lynn in the States.

“Even though Bill was on disability, Medicare, and we had supplement insurance, the medical expenses were outrageous,” says Lynn.

“We could afford our meds but little else. We felt this was no way to spend our final years, as we had both worked all our lives.”

Fortunately, they escaped to this year’s #2 finisher in the Global Retirement Index where they can afford all the medical care they need, and a whole lot more, besides.

“Life is better here, because our money stretches a lot further. Bill’s diabetes pens cost $400 a month in the U.S. (for a package of five). Here, five pens cost us $144.

“Bill sees the doctor regularly and his visits are only $25. He gets blood work every three months, and that costs $8.60.

“We have both used the emergency services, and both times the cost was nominal. It was amazing…it would have cost thousands in the States.”

Accessible, Close-to-Home, Easy, Familiar

Fundamentally, this is a place where it’s easy to retire. Well-established expat communities dot the country, making it cinch to settle in.

No place is just like home, of course, but here you’ll find all sorts of ways that life is familiar. All over you can enjoy high-speed internet, cable television, and reliable electricity. You’ll find grocery stores well-stocked with familiar items. And big box stores where you’ll think you’re back home.

In fact, you’re not actually that far. This sunny escape sits just under three hours by plane from Miami—below the hurricane belt—and you can fly direct from Montreal, New York, Los Angeles, and a host of other destinations.

One happy expat sums up its appeal this way: “It’s a democracy, the water is drinkable, the locals are used to expats…the electrical systems are the same, the driving is on the same side of the street, many doctors are U.S.-educated.”

Her husband continues, “I can golf with my friends twice a week at the country club and work out in the fitness center. I have time for reading, time for bridge…and time to just sit on my rear end and meditate!” 

In other words: This is a great place to just plain trade up in retirement. While lots of folks are looking at working longer, scrimping and saving, and dialing back their expectations for their “golden years,” here in the country that comes in at #2 in our Global Retirement Index, you can live way better.

In Our #3 Choice You Have an Eco-Friendly, Low-Key Escape

The country that takes the #3 spot on our hot-off-the-presses 2020 Global Retirement Index is a quiet, safe, reliable, welcoming escape…a place that American retirees have been heading to with enthusiasm and success for more than fifty years now.

It’s a country that “has its act together.” And in this sun-splashed haven, a retired couple could live very comfortably on $2,500 a month, or even less.

As expat Paul M.  put it, “It feels good to know that we can live comfortably in this beautiful beach setting…and still have the resources to travel and spend time with family back home.”

You can understand how that’s possible when you see that eggs are $1.63 per dozen, pork or beef costs a little over $3 per pound, and chicken is just $2 per pound. A loaf of whole wheat bread costs $1.80, and a Betty Crocker chocolate fudge cake mix goes for just $1.26.

You can eat at a little local restaurant for just $4 or $5. A housekeeper will come and clean once a week for $50 a month, and a visit to a physician will set you back $50 or less.

Paul reports, “We load up with fresh fruits and vegetables at the Friday morning farmers’ market for less than $20. That includes several large pineapples for $1.63 each.”

He’s not the only happy expat thrilled with the low cost of living and high quality of life it buys.

“We  wanted escape from northern winters, a slower-paced lifestyle, good healthcare, a tropical climate, beach access, and a sense of adventure, as well as ways to stretch our retirement dollars,” Mary M. says. “We found it all in [this country].”

Others say the same. When Jim and Irina J. looked abroad for a haven they could afford, they couldn’t believe their good fortune when they discovered everything this year’s third-place winner has to offer.

Their requirements were probably similar to what you’re looking for. They wanted to be close to the airport, hospitals, and culture. They wanted great weather and great views. They wanted a vibrant expat community they could mingle with. And they didn’t want to have to depend on a car.

That’s exactly what they found…on a budget of $2,000 a month.

“This allows us to live really well,” says Irina.

“We had a terrific life in the States; we just couldn’t afford it in retirement,” says Jim. “There is so much to do close to our home here. Irina walks to yoga, and we often use the local bus. The bus stop is a short walk from our house, and is an affordable way to run errands in town or to take in some culture in [the capital city] (an hour away), like a museum tour or a theater performance.”

A 2-Bedroom Condo Minutes from the Beach for $119,000

Whether you’re renting or buying in this country, you can find excellent bang for your buck.

For instance, aside a dramatic lake where year-round you can sail, kayak, fish, or simply revel in the vistas, you could own a 2-bed home a five-minute walk to town for just $185,000. (In a nice lake community in cold Minnesota, you’d easily pay twice that—or more.) For $800 a month here you can rent a spacious, three-bed, three-bath hom with expansive lake views. It’s fully furnished as well and close to a village for shopping.  

Just minutes from a Pacific-coast beach, a 2-bedroom, 2-bath condo lists for just $119,000. On the grounds of a small, lushly landscaped resort, it’s a ground-floor unit with easy access to the shared pool with its swim-up bar. The grounds are beautifully maintained and full of exotic plants and wildlife.

You could easily rent at a low cost, too. A small, furnished house would typically go from about $500 a month. A one- or two-bedroom apartment, unfurnished, can be rented from $300 a month. If you’re looking for something larger and more luxurious, figure on about $1,000 or $1,500 for a stand-along house or $700 for a big, swank apartment.

As Shannon E.  says, “It’s very affordable here. My wife and I pay $750 for a two-bedroom, two-and-a-half bathroom condo (double master suites) in a gorgeous gated community equipped with a pool and ample flora and fauna. It’s also just 400 feet from one of my favorite beaches. It’s a world away from my home in San Diego where I paid $1,450 for a tiny one bedroom close to a loud beach known for its crazy parties—something I didn’t know until after I moved in…”

But the good-value living is just the beginning of the basket of benefits this winning locale has to offer.

This Year’s Third-Place Finisher Is Steady

After all, just because a place is cheap, doesn’t make it a winner. It’s the fact that you can both put your money worries behind you AND lead the sort of life you always dreamed about.

This #3 finisher this year is a place with quiet character…a low-key, steady sort of locale—long a stable democracy—that provides a steady backdrop for a life that’s easy, low-stress, and thoroughly enjoyable.

As expat Bob N. explains, “I moved to [this] paradise because I wanted to get back to a greater sense of natural beauty and wanted to live a simpler, less harried lifestyle as a retiree.

“Although the beaches where I lived in Sarasota were beautiful, rapid Florida development had led to the beach being completely surrounded by condos and other developments. Here I can hop on a bus and 15 minutes later I’m on one of the most beautiful beaches…and when I look around, all I see is pristine jungle and soft white sand. And the ocean is always warm here, even in December, January, and February when it can be a bit chilly in Florida.”

Seventy thousand medical tourists arrived on the shores of this top retirement haven in 2017 to take advantage of the high-quality and low-cost care. In fact, healthcare costs can be as little as a fifth of prices in the U.S.

Private doctors, for instance, rarely charge more than $60 a visit, even for house calls. Specialists run $80 to $100 a visit.

Most  expats in the country find their healthcare needs well met. And a big bonus: The quality of care is much higher than we’re used to and the typical bedside manner is very comforting. Doctors don’t rush you out of their office, and they’ll take time to make sure you understand the diagnosis and treatment.

Accessible, Close-to-Home, and Welcoming

Beyond all that, this country is conveniently close to home, which makes it an ideal retreat for a part-time life overseas as it’s quick, easy, and low-cost to get back to the States or Canada.

With modern shopping malls, world-class hospitals, and reliable high-speed internet available just about everywhere, you won’t lack the comforts of home.

You’ll pay zero income tax locally on income you earn outside the country—like your Social Security, investment income, or any funds you might earn working remotely.

If you buy a home here, your annual property taxes will usually run little more than $200 to $500, which can free up funds to spend in any way you prefer.

Property  taxes have been a pleasant surprise for John M. He owns a two-bedroom, two-bathroom townhouse that he bought for $85,000 and made $15,000 worth of renovations to.

He says, “I still own my place in Chicago and rent it out—the property taxes there are about $5,500 per year…my property taxes in [this year’s #3 retirement haven] are $250 a year. That’s just crazy—in the best possible way.”

A Solid, Dependable Choice
for Retirement Overseas

Plus, you should know: This country has quietly, but systematically, worked toward creating an environment that’s sustainably healthy.

With lots of clean water and fresh air, more than 25% of this nation’s land mass is protected in national parks and reserves. It’s one of the only countries in the world to reverse deforestation.

And today it’s home to a whopping 10,000 species of plants and trees and over 850 types of indigenous and migrant birds.

A staggering 99% of its energy comes from renewable sources (compared to just 15% in the U.S.).

It’s  is a relatively small country, but this third-place winner for 2020 boasts one of the most diverse varieties of landscapes and climate in the world, offering the perfect harmony between the lush, green jungle teeming with wildlife and long, soft, pristine beaches.

Picture thick layers of jungle climbing up into the mountains, dotted with cascading waterfalls, flora every color of the rainbow, and exotic animals like toucans, parrots, monkeys, and sloths.

Naturally, we’re really excited about our #1, #2, and #3 picks this year—and with reason: As I hope you will agree—they have lot to recommend them.

Yet they are just three of the 24 top overseas retirement havens we compare, contrast, rank, and rate in our 2020 Global Retirement Index—our 29th annual index.

You know, “spend less, live better” is a theme the folks who’ve relocated to all our top choices return to again and again. And it’s something you can fulfill all around the globe—when you know where to go.

Simplifying, Relaxing…You Can Do It Affordably in Europe

If it’s a European retreat you’ve always dreamed of…our #1 pick isn’t the only option you’ll find on our list of top picks…

In one warm-weather European escape the 2020 Global Retirement Index highlights, you have access to Mediterranean beaches…big cities with world-class museums…and a vast interior of green, rolling hills dotted with sun-baked villages. This is storybook Europe…yet here you can still get a meal for two with wine or beer for as little as $22.

On a budget of less than $2,200, a couple could live comfortably—housing, meals out, healthcare, even household help, included.  

In another, whether you dream of a city pied-à-terre…or a rambling farmhouse among the sunflowers…or a village house wrapped in wisteria-hung memories of long ago, you’ll find options far more affordable than you might think. In fact, there are many parts of the country where habitable homes in storybook settings cost less than $180,000.

Asia Offers Hidden Gems Where the Values are Extraordinary

You might be pleasantly surprised by the appeal of several nations in Southeast Asia today as well…

In one that makes the Index this year, for instance, a couple can live luxuriously on $2,500 a month.

As one expat there puts it, “Our balcony overlooks a crescent-shaped sandy beach where blue and red painted boats bob about in the water and fishermen’s homes line the shore. We look out over the horizon and see spectacular red and orange sunsets and watch cruise ships come and go. Sitting here, it’s hard to believe just how much our lives have changed since we sold up back home and made the move seven months ago.

“Our home here is a large two-bedroom, two-bathroom unit with sea views. Our complex includes a modern and well-stocked gym, an exercise room where we have yoga three mornings each week, and a small restaurant serving up delights for just a few dollars. Outside, the pool area features a sand beach and a lazy river which connects all the various swimming spots. It’s like having a five-star resort just downstairs.

“Our rent is $950 a month and that includes Pay TV. Our apartment is fully furnished, right down to the widescreen TV.”

In this special place, the weather averages 82 degrees year-round, and there’s lots to do—from outdoorsy activities like sailing and hiking and golf to cultural offerings like concerts and art shows.

In another Southeast Asian gem we highlight on the 2020 Global Retirement Index, healthcare is top notch, housing is inexpensive, and you really can “trade up” to a better, truly luxurious life and spend less than it would cost you to stay home.

As one expat there  explains, “I love the deep artistic spirit of the city; walls and fences of buildings and streets are splashed with the vibrant murals of talented local painters. At the Saturday and Sunday night markets you can get lost in the treasures of local craftsmen selling everything from homemade clothes to ceramics, paintings, and trinkets. You can find modern, fully furnished studio apartments with a swimming pool, cleaning service, and air conditioning for around $300 a month.”

Latin America—Close to Home and Great Value

Latin America is full of great-value locales that are culturally rich and remarkably close to home. With time zones the same or close to where you are now, this can help ease a transition, too. And for part-timers—it’s simply and affordable to get there and back.

But really…it’s often the great value of day-to-day living that bowl over the expats who settle there. 

Like San Francisco-native, Jack B., who lives today in our #4 pick—exactly half a block from the beach. He says, “The cost of living allows me a fun life on my Social Security check.”

He doesn’t scrimp. “There are great restaurants and tons of cool bars on the promenade. My rent is $575 a month for a two-bedroom apartment with a great modern bathroom and nice kitchen.”

He’s not alone in relishing the good values…and the good lifestyle he can afford to enjoy when prices are so low.

In this country, you can employ a maid for about $3 an hour and a gardener for $3.50. Pamper yourself with a manicure, pedicure, and haircut…and pay less than $60. For a small home, you can expect your annual property taxes to come to no more than $200. Your electricity bill will likely cost between $25 and $50 a month (unless you use air conditioning a lot), gas about $25 a month, cable TV about $30 a month, and basic telephone service about $20. You can eat out at a nice restaurant for $15 per person or grab a quick lunch at a local spot for $3 to $7.

So you can see how it can be easy here to upgrade your lifestyle and gain the luxuries of a rich-man’s retirement…but do it on a tradesman’s budget. 

In another Latin American escape you’ll find on the 2020 Global Retirement Index, flowers are always in bloom, trees keep their leaves, and there’s no ice or snow to shovel and scrape. Our correspondent there adores the weather in her adopted hometown which, close to the equator, is a comfortably spring-like mid-70s F to low 80s F year round.

She says, “You can spend your days walking around your city, horseback riding, hiking, swimming, playing tennis, and even play a round of golf. Many restaurants and bars offer open-air seating to let you soak up the beautiful environment while enjoying your meal or drink. You can even attend concerts in outside venues.”

It’s sophisticated living, but it’s not expensive. In the most exclusive neighborhood  in a city we recommend, a couple could live very comfortably for $2,191 a month.

So Many Places—and Ways—to Enjoy a More International Life (Without Breaking the Bank)

This year’s Global Retirement Index reveals a tremendous variety of retirement solutions for somebody looking to live better for less overseas. We rank, rate, compare, and contrast a full 24 countries worth your consideration today.

Maybe you’re in the market for a part-time escape…or maybe you’re looking for a full-time adventure…perhaps you dream about a day when you can see the ocean out your window… or live within sight of the mountains in a place where the sun shines and the weather is cool… 

Whatever you dream about…in the destinations profiled in our 2020 Global Retirement Index…you could find a new reality. A lot sooner—and a lot more affordably—than you may imagine.

To that end, let me give you a little assignment…

To be honest, the decision about where you live is not always readily subject to logical analysis. Ultimately, it’s about where you feel good. It’s about finding the place that’s just, well, a good fit.

So here’s a little task for you. You start imagining your ideal retreat.

And while you’re busy musing…we’ll sort out for you the “logical” concerns. Like where your dollars buy you most…where the weather is best…where the locals are friendliest…where it’s most comfortable and safe…where the healthcare is both excellent and affordable…and more.

In fact, we’ve just spent the past few months concentrating on exactly this task.

Our staff has been traveling, crunching statistics, and talking with our contacts and correspondents around the world…all in the interest of compiling our annual picks for the world’s top retirement havens.  

It should be said: In an era when most news outlets have slashed their budgets and cut their overseas bureaus…and at a time when it’s harder than ever to ferret out the truth…we put our 2020 Global Retirement Index together “the old fashioned way.”

That is to say: We put boots on the ground…just as we have each of the last 29 years we’ve published this country comparison.

We spend, in fact, more than $850,000 a year to keep our people in place overseas, reporting back with real-world, up-to-date recommendations and guidance. In an era when it’s all the rage to wave the “fake news” flag around, I want to assure you: What we do is real. We take it seriously. We don’t make this stuff up.

Is Global Retirement Index subjective? You bet. We rely on the informed judgment and real-world experience of in-country expats…folks just like you who have made the move and learned all their lessons the hard way. They live in the countries they’re an expert in. And they’ve been there long enough to get under the skin of their host nation and provide us with real understanding about what it’s like to live there.

As I said, where you end up is really as much about feeling as it is thought. When it comes right down to it, only you can decide what will make you happy.

But we can point you to the places that are likely to suit you best. (And be easiest on your wallet, too.)

Our annual Global Retirement Index lists the best places in the world to retire overseas today.

It’ll point you to the places most worth your attention…and, most importantly, save you the trouble, time, frustration, and expense of trying to figure that out on your own.

Here at International Living, we’ve been showing readers where to go for 40 years now. So we know the questions to ask, we know the critical issues to consider.

We take the time and invest the funds…so you don’t have to.

And right now, I’d like to make you a special offer that gives you full access to our 2020 Global Retirement Index at no additional charge.

I’ll tell you how to get hold of a copy in a minute. But first, I want to be clear about one thing. It’s the one, big, fundamental idea that drives this index. It’s our belief that…  

You Don’t Need to Be Rich to Enjoy a Pampered Retirement…You Just Need to Know Where to Go

In one of our top picks—a place of Old World charm—a couple could easily live comfortably for $1,620 a month (including rent). Though, in fact, we know retirees there living simply for half that. With a budget twice as large, you could live like royalty.

(To put this in perspective, according to the U.S. Social Security Administration, the average payout for retired workers is $1,430 a month. Stateside, that doesn’t buy you much of a life. But in the right places overseas, those funds easily provide comforts and conveniences that would be well out of your reach at home. Like dinners out, a housekeeper once a week, even vacations…)

One couple living in this haven right now says, “Living in Southern California, we were spoiled by the warm climate and beautiful beaches. Retirement would—or should—have given us time to enjoy all that more fully. And yet we had no realistic chance of retiring anywhere near a beach in California.

“Looking back now, we’re glad we needed to look elsewhere to fulfill our retirement dreams. Otherwise, the chance of living in one of the most beautiful and exotic retirement havens in the world might have passed us by.”

Kiplinger’s Personal Finance put it this way: “For retirees with a sense of adventure and a taste for the good life—even if they lack a bank account to match—a change in latitude might be the perfect plan.”

I think that’s right… and that’s why we put our 2020 Global Retirement Index together. To give you the specific guidance you need to find the place that’s right for you.

The Best—and Easiest—Way to Target Your Search for the Perfect Paradise

In the 2020 Global Retirement Index, we consider each destination by category: housing, benefits and discounts, visas and residence, fitting in and entertainment, development, climate, healthcare, governance, opportunity, and cost of living. And we include a full report on the top picks.

Point being: This resource gives you a well-rounded view of each place. It’s not just facts. It’s the perspective we bring to them.

And that’s what’s so important. Because everybody is different. And what’s a priority for you might not be for somebody else.

Say you’re of “retirement” age and looking for a place to stretch your savings. The cost of living and the availability of good-quality, affordable healthcare might be your top concerns.

On the other hand, if you’re in your twenties, thirties, or forties with school-aged children, their education and the ease with which you can do business locally might be more important to you.

Or maybe you’re in the market today for a place you could visit regularly for now and perhaps retire to eventually…so you’re looking for a spot that’s easy to get in and out of, where the weather is good…

No matter what your own personal priorities are, you can use our 2020 Global Retirement Index to easily home in on the places that make sense for you and your situation, your priorities.

It is a powerful tool.

Take A Sneak Peek…

Inside you’ll find details about all the top picks—and right now, I’d like to give you the opportunity to claim the new 2020 Global Retirement Index—FREE.

All I ask in exchange is that you subscribe to our monthly magazine, International Living.

You might already know something about International Living if you get our free daily Postcards. But what you may not realize is that these emailed dispatches are just the beginning. There’s always a lot more to every story.

In fact, there's a whole world of ideas and benefits that we reserve exclusively for readers of our magazine. Our annual Global Retirement Index is just one of them.

I’d like to give you a sneak peek at all of it.

Take me up on the special deal I’ll make you today, and you’ll have unfettered access to the 2020 Global Retirement Index—and all of the extraordinary secrets International Living reveals to subscribers about good-value ways and places to live, retire, invest, profit, travel and enjoy life for less overseas.

Plus I’ll toss in an extra bonus, too—altogether nearly a $100 value, yours for less than half that—just for subscribing to International Living today. (But again, I encourage you to act now.)

International Living Gives You Access to Opportunities Nobody Else Talks About

You know, in the newspapers and on TV, you get lots of political posturing…and lots of discussion about our nation’s woes…but what you rarely learn is what to do about any of it. I don’t mean “macro” fixes.

I’m talking about what you, personally, can do to improve your life, retire better, save on taxes, gain freedom and control, and travel more…even if you have only a modest nest egg (or no nest egg at all).   

Here at International Living, we’re all about solutions that really work. Recently we’ve shared with our readers secrets like…

  • Three Caribbean islands within easy access of the States where sugar-sand beaches and warm, clear waters will grab your heart…and the good-values will keep you coming back. In one, grilled lobster and a fresh juice costs $8.
  • Eternal summers…the how-to secrets of a snowbird life, including where to go and how to spend half overseas what you’d pay to stay home.
  • Dollar-stretching real estate plays—right on the ocean—including one where $79,900 buys you a condo on the beach with all the trimmings.
  • Where to find U.S.-standard healthcare for half (or less) than you pay now, including how to get fully insured from $80 a month. 
  • Secret retirement retreats still just under the radar where the bang-for-your-buck is unbelievable and the natural beauty, the friendliness of the locals, and the conveniences are hard to beat.
  • Tax-saving strategies—smart ways to protect your assets and pay less with structures and systems overseas.
  • How to live off the land: Ranches, farms, and vineyards for sale around the world at bargain prices…
  • How to travel better—and spend less—including tips on enjoying a months’-long journey for pennies on the dollar (no sacrifice required)…how to fly in Latin America for as little as $60 a ticket…tech tips for the non-techie, which make travel instantly easier…
  • An American doctor’s frank and forthcoming take on healthcare overseas…the news is good.  
  • The three top citizenship-by-investment programs in the world—and what you really need to know about the rest of them if you want a second passport.
  • Three easy ways to profit from your wanderlust—and get paid to tell people about your experiences, turn your phone into an income-earner, and travel on somebody else’s dime. 
  • Six red flags to look for before you buy real estate overseas.  
  • Europe’s royal beach escapes… the Golden Age of Europe’s royal houses may be long over, but the Old World beach resorts where the continent’s aristocracy summered still cling to a fin de siècle grandeur… In these spots, you can enjoy urban luxuries as fine as the enticing, sandy beaches. We’ll show you where…
  • How to save up to 60% on dental care when you fix your smile in overseas…
  • The bewitching escape where the beaches are jaw-dropping, the pace is relaxed, and the prices are so low you can rent a place for $3,760 a YEAR.  
  • The best ways to stay in touch from overseas…insider advice from expats who know the best-value, most-reliable, and most affordable ways to keep family and friends “close by” even when you’re in another country.

… and much, much more.

Our Readers Find the Best Places, Ahead of the Crowds

International Living brings the entire world, with all of its rich, rewarding, exciting opportunities, to your door every month. You’ll discover secrets like…

  • How to find your perfect home in Southeast Asia from $350 a month—housekeeping included.
  • Portugal’s secret towns…and how you can live well in any of them from
  • Three great-value highland towns in Latin America where you can live life outdoors, enjoy mild weather year-round, and retire with all the comforts you could want for $2,000 or less a month.
  • A less-expensive alternative to Paris where the wines are world-class, a dozen museums will keep you in culture, and the antique shopping is excellent.  
  • A highland haven in the Philippines where the temperatures are cooler, the community is friendly, and all told $1,500-$2,000 a month makes for very comfortable living.
  • How to take a world-class luxury cruise for less than half the regular price.
  • How to choose a massage parlor in Thailand—discretion required—and get a great 90-minute massage for as little as $8.
  • How to leverage your house back home when you head overseas for a few weeks or months each year…and cover the cost of your trip.
  • How to get a luxury upgrade in retirement—in Italy—and do it for under $3,000 a month.  
  • The top spots to buy on the beach in Latin America… where you can trade up to a more luxurious life while you slash your cost of living…
  • What you need to know to take smart advantage of Costa Rica’s “secret travel season” when you can save 40% to 50% off regular prices…
  • South America’s undiscovered Land of the Incas and how you can live well for pennies on the dollar—rents start at $150 a month, a filling three-course meal is just $2.50.

… and lots, lots more only available to International Living subscribers. In truth, we cover the world in a way nobody else does. It’s all doom-and-gloom in the mainstream press.

But we pinpoint opportunity… and bring it to you. Because seeking out better-value living overseas can make very, very good sense.

As the AARP put it: “…at a time when nest eggs are shrinking and Social Security looks less likely to cover basic expenses, living for less in a foreign locale can make good financial sense. There’s also the prospect of adventure in a faraway land, the allure of the unknown, and the joy of serendipitous discoveries.”

The best place to start is with our 2020 Global Retirement Index, and it’s yours—FREE—when you put your name on our subscriber list today.

But you need to act now.

Once you've taken advantage of this offer, and you’ll receive not only the 2020 Global Retirement Index, but also immediate, full online access to the January 2020 issue of International Living. That's 40 pages chock full of guidance, advice, recommendations, and context in which to put the Index itself—including an in-depth story about the country we’ve identified as the #1 Retirement Haven in the World this year.

This is the good stuff… and you can only get your hands on it when you sign on as a subscriber today.

What's more, when you take advantage of this offer, your International Living subscriber benefits ALSO grant you full access to the entire International Living archive online.

It’s all yours—more than 200 monthly issues jam-packed with insights, guidance, advice, and recommendations about countries around the world, about how you can travel better and spend less, earn overseas, source good-value real estate in markets about to boom, and more.

Your Window into a Whole New World of Possibility and Profit

Here at International Living, we’ve been covering this beat for four full decades. When publications like the New York Times, the Wall Street Journal, and AARP need an expert opinion about alternative retirement solutions and the places where retirees can get the most bang for their buck…they call us. 

That’s because every month International Living is jam-packed with insider secrets, how-to advice, useful contacts you can call or email, and real-world recommendations for saving money, making money, living better, embracing adventure, and enjoying life more overseas…

Our IL Postcards give you but a tiny taste of what we do, frankly.

International Living magazine is where we share the full story, connect you directly to the people you need to know, and share insights, advice, and guidance from our many contributors in the field.

We’re the experts…and there's a whole world of information and benefits that we reserve exclusively for subscribers to our print publication…

Like a way to grow your nest egg outside stocks and outside the dollar.

It's nothing complicated. It's a simple, very accessible investment play. A way to add to your retirement nest egg while you're retired…instead of watching it dwindle.

In 1984, for instance, we told readers about an investment on the Samara Bay in Costa Rica. Back then, you could get in for between $2,000 and $4,000. Today, that investment would be worth close to $140,000.

In the 1990s, we pointed readers to this kind of play again in Belize…and watched as the values soared. A reader who bought on the tropical, palm-lined island of Ambergris for $29,950 back then could sell for $326,000 today.

And we're still showcasing opportunities like that…

Like a window of opportunity along a postcard-perfect stretch of Pacific coast we’ve told readers about…where lush, green virgin tropical forest tumbles down to white-sand beaches. The weather and topography here are ideal…and you can grab a lot for $40,000 or a home that looks like it should cost $1 million—for less than half that.  

As an International Living subscriber, you’ll know exactly where the deals like that are. And how—even with very little in the bank—you can take advantage of them.

The Retirement You Always Dreamed of…

Agree to take a look at International Living today, and not only will you receive the 2020 Global Retirement Index, FREE, but I’ll ALSO shave nearly 30% off the regular subscription price.

So instead of $69 per year for 12 monthly issues delivered to your doorstep, it’s yours today for just $69 $49.

That’s just 13 cents a day.

As a special thank you for giving International Living a try today with this special offer, we’ll ALSO gift you a free bonus report:

** Special Bonus **

The Ultimate Overseas Shortcut: How (and Where) to Retire Better, Travel Smarter, and Enjoy the Good Life for Less

Claim Yours FREE Today

When you take me up on this offer now, I’m going to toss in an extra something for you…a FREE copy of a unique report called The Ultimate Overseas Shortcut: How (and Where) to Retire Better, Travel Smarter, and Enjoy the Good Life for Less, (value: $29—yours at no additional charge with this special offer).

While in the U.S. today a comfortable retirement is rapidly becoming a luxury only the very wealthy can afford…in the best-value spots overseas, it really IS possible to use a modest retirement income to fund a full life rich with adventure and travel.

When you know the right shortcuts, you can live large…and effectively double, or even triple your disposable income. Doesn’t matter if you’re ready to live full-time abroad or just want to take advantage of smart opportunities overseas for travel or part-time living.

In The Ultimate Overseas Shortcut, we show you how you can do things like—

  • Stay for free, in luxury, in some of the world’s best destinations—Tuscan farmhouses…English heritage homes…luxury Costa Rican villas…Caribbean Ocean retreats…when you know how, you can spend a few weeks or a few months at a time, no charge.
  • Snowbird escapes on the beach, including where you can rent a fully furnished, beachside condo with three bedrooms and an ocean view for $410 a month. It comes with amenities like access to a pool, squash court, and tennis court.
  • Get paid $500 a day exploring the world’s best locales—places you’ve always wanted to go—doing something you probably already do anyway.
  • Cruise to Europe for up to 70% off standard prices…
  • Plus we share eight great-value spots we like where you can live like royalty on less than $30,000 a year—from beach retreats to big cities to highland villages. You have excellent options and we point you to them and hand you the shortcuts you need to identify the spots that might be best for you.

The Ultimate Overseas Shortcut: How (and Where) to Retire Better, Travel Smarter, and Enjoy the Good Life for Less, (value: $29) is yours FREE and delivered immediately via email with this special offer.

Recommendations Worth Thousands…
Yours for Pennies on the Dollar

You know, the opportunities we deliver in the pages of International Living every month and in the wealth of solutions and secrets we've got catalogued on-line could be worth thousands—even tens of thousands—of dollars for you.

Both in savings…and in potential gains.

They've proven their worth many times over for thousands of readers.

Folks who, today, have their nest eggs tucked away in a beachfront home or in a cosmopolitan escape in a burgeoning market…people living like royalty on a modest pension…

They're everyday folks enjoying a caviar lifestyle on a hot dog budget, employing a maid to clean, traveling and loving an adventure-filled life…

And you could be, too…

All you have to do is give International Living a try. It’s guaranteed.

A couple we know had been living in the Ventura-Santa Barbara area of California. Life was good there, but it was also hectic, stress-filled, and expensive.

Now—in one of the places overseas near the top of our Global Retirement Index—their costs are about 40% of what they paid to live in the U.S. And they haven’t sacrificed a thing. In fact, they’re living better than ever.

Their home, near a crystal-blue brook, overlooks the 9th hole of a lovely golf course. Their windows open to lush, green-valley vistas. The nearby community center houses a state-of-the-art spa and health club. They’ve got high-speed Internet, satellite television, gourmet food…all the comforts of home, but at a fraction of the price.

It’s a lot like the U.S. was back in the 1950s, when I was a kid,” says this expat who’s living in one of the world’s top havens for 2020.

Our Good-Will, Good-Value Guarantee

Once you see our magazine for yourself, I feel confident you'll agree: It delivers you a world you just don't find anywhere else.

But if you decide the good-living, good-value opportunities International Living profiles every month aren't for you after all, just let us know and we'll send you a refund on your un-mailed issues. No questions. No fuss.

The Special Bonuses are yours to keep, with my compliments. With this special deal, you receive…

  • A full year of International Living— you’ll have immediate online access to the January issue, with its in-depth story about the #1 place in the world to retire in 2020…and as soon as you sign on, we’ll get your first print edition in the mail to you (worth: $69).
  • The full International Living archive online with 17 years’ worth of in-depth coverage to explore…more than 200 issues with stories about places all over the world…
  • Special Digital Report #1: The 2020 Global Retirement Index—Yours FREE…delivered via email immediately and included annually with your subscription.
  • Special Digital Report #2: The Ultimate Overseas Shortcut: How (and Where) to Retire Better, Travel Smarter, and Enjoy the Good Life for Less…delivered via email immediately (value: $29, yours FREE).

All told, this offer hands you $96 worth of live-better, travel-smarter, profit-more, retire-sooner advice and guidance from International Living for just $49.

If you're like many folks these days—not entirely sure your retirement savings will go the distance…or not sure where to put your nest egg so it's safe and growing…

Then I encourage you to give International Living a try right now.

Wouldn’t it be nice to know that while most Americans are feeling pinched, you could relax and breathe easy? We’d like to show you how fun and easy it really can be.

Six Months from Now,
You Could Be Living Large on a Whole Lot Less than You Spend Now

The truth of the matter is: An international lifestyle isn’t just for the rich and famous. It’s for anybody willing to take advantage of the best-value opportunities in welcoming communities around the globe.

And it’s our mission at International Living to help you do just that!

With our brand new 2020 Global Retirement Index in hand, we can help you find the place that makes the most sense given your own personal priorities…

Whether you’re looking for a friendly, good-value city…beach…highland retreat…historic colonial enclave…or lakeside getaway…we can point you to your best options on the planet today.

I hope you’ll take me up on this offer to gain access to the 2020 Global Retirement Index now along with full International Living subscriber benefits…and your special report, too.

Click below to activate your subscription today by going to our secure order form—and put yourself on the path to the good life overseas.

Sincerely,

Jackie Flynn

Jackie Flynn

Publisher, International Living

P.S. Seeking out your own dream retirement in a place where you can live a comfortable life for little…investing ahead of the crowds and profiting from the upswing…

What those ideas have in common is good value. Nobody wants to pay more than they have to—for anything.

I know I don’t. And that’s why I’ve designed this special welcome for International Living this way.

Check out the 2020 Global Retirement Index and all the subscriber benefits of International Living today and we’ll put you on the path toward the place that’s “just right” for you.