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Portugal caps taxes on foreign sourced income (American Social Security fo example) to 10% for the first 10 years thru the NHR program. It used to be completely tax exempt but they changed it in 2020. Certain US government pensions (not SS) is not subject to taxation in Portugal but you'll pay...

Very interesting thread. I am married to an EU citizen and we talk about potentially retiring there, probably 10 years from now. I have no idea what the future will bring or where we will be. We've been living in Asia (China and Singapore) and Africa for the last 10 years and are moving to...

Haven't retired yet. The sacrifice I'm making now is using my evenings/weekends to study for another certificate so I can be paid more at my job. It's cutting into time I have with my kids and adding to my stress level. Fortunately it's only for another month. If I pass the test, then it'll be...

Just saw "Some Kind of Heaven" about the Villages. My friend who recommended it to me was left with a negative impression but I thought the place looked very interesting.

I would second Ramen's suggestion of renting first. What's the rush to buy something when you are in a new geographic area? I would rent for 6-12 months first and get a feel of the area and make friends who can tell you about the neighborhood character, events, history, etc. Get on a...

I am late to this thread and haven't read all the prior posts. I've been researching Portugal since we are interested in potentially retiring there. What I have learned is the following: 1) they grant Non-Habitual Residence status to new expats for the first 10 years. The tax rate is 10%...

I can't even get my DH to take my financial advice! 😂 That's why we have our money separate so we don't have to get frustrated with each other. My plan would give us a comfortable retirement without considering his retirement. He doesn't have any debt so that's good enough for me! But I have...

Thanks everyone! I am usually very suspicious of sales pitches. I've been with VG for about 15 years and this is the first time they tried to reach out to me. I may call them in a few months through their main number on their website. Thanks for assuring me that it's not unusual (even though...

Not sure if this has been discussed before. If yes, my apologies in advance! I received the following in my email inbox and am wondering why I'm receiving it. I've been a pretty passive investor, maybe moving my allocation 1-2 times a year, and my balance is below $500K so not on their list of...

Personal Advisory Service. They help you review your VG portfolio periodically (maybe once a year?). It costs 0.3% of your portfolio. It's an easy way to get advice without worrying about financial advisors' motives.

Another wife and breadwinner here. DH is clueless and not interested either. I emailed him a file with all our finances if I die, including how to pay all bills, which I also take care of. Luckily it should be simple, as I have sufficient life insurance to pay off the mortgage, and he will get...

Another 2030'er! As my user name indicates, 2030 is our goal also. I will be eligible for a pension and health insurance by the end of 2030 so the timeline is fixed. Amazingly, like everyone else, our goal is also $2MM. Currently $870K in tax-deferred and taxable accounts and about $150K in...

It sounds to me you're good to go! Most of your expenses are covered by your pension so you only need to withdrawn less than 2% a year from your portfolio. This will allow you to tolerate more fluctuation in the market and therefore you'll be able to have a more aggressive portfolio. And your...

Totally. I used to feel that I was the only adult in the family! Now at least we're sharing the burden of acting responsibly. Even though he's not doing what I would do, I've quit trying to change him and am much more at peace! :flowers:

Sounds like you're made very good progress, both on the communication and financial fronts. I am in the minority like you in that my husband and I aren't on the same page when it comes to spending. I am a saver and LBMM, and he likes to live in the moment and spend money on expensive...

If your husband is a federal employee, he should ask if his agency has referrals for employees' legal needs. I am also a fed and through my agency I was able to find an attorney that did the package for around $1K, including POA, wills, medical directives, and trusts. We did it mostly because I...