A new TIAA Institute study found 76% of retirees wish they’d started saving earlier. We read it the week we increased Kent’s 401(k) contribution to the max — and it confirmed something we’d already figured out the hard way: how much you save and where you retire are the same decision.
Panama doesn’t tax your foreign income — and that’s genuinely true. What most expat blogs quietly omit is that your IRS obligations don’t disappear when you move. Here’s an honest breakdown of Panama’s territorial system, income tax rates, property tax exemptions, Pensionado discounts, and what you still owe the U.S. government.
We couldn’t build a retirement budget on vague, so we built a 12-part series instead. Taxes, banking, cost of living, buying a home, healthcare costs, estate planning for gay couples, and the reserve strategy that most expat guides skip entirely — with actual figures from our April 2026 research trip.