5 Important things to consider when Retiring Abroad

Make your international move smoother, smarter, and more affordable

Thinking about moving abroad to retire, reduce your cost of living, or enjoy a more adventurous lifestyle? You’re not alone. Every year, thousands of people leave the U.S. and Canada in search of a more affordable, fulfilling life overseas. But before you hop on that plane, there are a few crucial things you should know that can make or break your transition.

At AdventureFreaksss, we’ve helped countless people find their perfect destination—and we know what makes an international move successful. Here are five essential tips you need to know before moving abroad.

1. Things Operate Differently—And That’s Part of the Adventure

From government offices to grocery stores, expect things to function differently than you’re used to. And that’s okay.

In many countries, customer service may be slower, appointments might be loosely scheduled, and business hours can vary widely. Don’t let it frustrate you—this is part of the cultural experience.

Our advice? Embrace it. Learn to slow down, be patient, and let go of rigid expectations. You moved abroad for a better life—not a faster one. Shifting your mindset will help you thrive.

2. Change Your Address and Save: How to Avoid State Income Tax While Living Abroad

If you’re planning to live overseas, one crucial step you can take to save money long-term is to legally change your address to a state with no income tax—before you move. While U.S. citizens are still required to file federal taxes regardless of where they live, you may not have to pay state income taxes if you establish your domicile in a no-tax state like Florida, Texas, or South Dakota. Why keep giving money to a state you’re no longer living in, when there’s a smarter, legal way to stop?

How to Change Your Domicile Before Moving Abroad

The key is to sever ties with your current state and set up residency in a no-tax state. This involves updating your voter registration, driver’s license, and—crucially—your mailing address. One of the easiest ways to do this is by using a virtual mailbox service that provides you with a real street address in a no-tax state. We recommend Traveling Mailbox, a trusted service that lets expats and digital nomads securely receive and manage their U.S. mail from anywhere in the world.

Save Thousands Over the Years

By changing your domicile and avoiding state income tax, you can potentially save thousands of dollars every yearwhile living abroad. It’s a simple, legal move that many Americans overlook—but it can make a huge difference in your financial future. To learn exactly how to do it, check out our step-by-step video guide here.

3. WhatsApp Will Become Your Lifeline

In most countries outside North America, WhatsApp is the go-to communication tool. It’s used for everything: messaging friends, making calls, scheduling appointments, and even contacting businesses.

Best of all, WhatsApp is free and works anywhere with Wi-Fi or data, so you can talk to friends and family back home without racking up international phone charges.

Before you leave, download WhatsApp, sync your contacts, and get used to using it. It’ll become one of the most important tools in your new life abroad.

4. Use the Right Banks and Tools to Access Your Money

Money management is a big deal when living overseas, and using the wrong banks can cost you big.

Here’s what we recommend:

• Charles Schwab offers a High Yield Investor Checking Account that reimburses all ATM fees worldwide, saving you hundreds of dollars a year.
• Wise (formerly TransferWise) lets you send, receive, and convert money internationally with low fees and the best exchange rates on the market.

Sign up for Wise today and start transferring money easily and affordably.

With the right financial tools, you’ll avoid hidden charges and gain peace of mind wherever you go.

5. Learn the Local Language—It’ll Change Everything

Even if you’re moving to a country where English is common, learning the local language will enrich your experience.

Locals will respect and appreciate your effort. You’ll feel more confident navigating day-to-day life. And you’ll build more meaningful friendships. Plus, learning a language is great for brain health—especially in retirement.

Start small:

• Use language learning apps like Duolingo or Babbel
• Join a local language class
• Practice with new friends and neighbors

Many locals will meet you halfway by using basic English. Your willingness to try their language will go a long way.

Final Thoughts: Moving Abroad Is the Adventure of a Lifetime

Relocating to another country can be life-changing—in the best way. But to make it work, you need to be prepared, flexible, and open to growth. From understanding the pace of life to learning new languages and managing your money wisely, these five tips will help you hit the ground running.

Here at AdventureFreaksss.com, we help you find affordable, beautiful places to live abroad—and give you the resources you need to thrive once you get there.

Want to explore your dream destination?
Check out our Living Abroad Cheap Reports and members-only tools to find the perfect place to call home.