About Retire All Over
What This Site Is
Retire All Over is a practical resource for people pursuing early retirement through geographic flexibility — living in lower-cost countries to stretch retirement income, cut the timeline to financial independence, or simply trade a high-stress high-cost life for something that fits better.
The audience is people roughly 35–60 who are either planning their exit from traditional employment or already living abroad and figuring it out as they go. The writing assumes you’re intelligent, skeptical of hype, and more interested in “here’s how this actually works” than in a highlight reel.
The Philosophy
Early retirement doesn’t require a massive nest egg if you’re willing to question the assumption that you have to retire where you started. The math changes substantially when your cost of living drops by 40–60%. A $1.2M portfolio with a 4% withdrawal rate produces $48,000/year — uncomfortable in San Francisco, and quite comfortable in a lot of the world.
Geographic arbitrage isn’t a trick or a loophole. It’s a straightforward observation: money is worth different amounts in different places, and you get to choose where you live. Combine that with a reasonable savings rate, some tax planning, and a tolerance for figuring out new places, and early retirement becomes achievable for a much wider range of people than the standard FIRE math suggests.
That said, this isn’t a site that pretends it’s all sunsets and cheap wine. Visa logistics are real. Healthcare abroad requires real planning. Some countries are easier to navigate than others. The goal here is honest, useful information — not recruitment material for a lifestyle.
About Me
I left traditional employment in my early 40s and have been living and traveling internationally since. My wife and I split time across several countries, maintain flexible residency arrangements, and have learned a lot by doing — some of it the hard way.
I’m not a financial advisor, a tax attorney, or a visa consultant. I’m someone who’s been living this for a while and finds it genuinely interesting to think and write about. For anything that matters legally or financially, get a professional. For the broader picture of how this life works and how to plan for it, I hope this site is useful.
The Nomad Tools App
Alongside the written content, I built a small suite of planning tools for people in this situation — covering FEIE tracking, prescription drug legality by country, Schengen day calculations, retirement spending, housing planning, and trip logistics. You can access it at Nomad Tools, or read the full feature guide. The core tools are free to start; automatic bank sync and AI features are on the paid plans — see pricing.