Do not retire before watching
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- เผยแพร่เมื่อ 14 พ.ค. 2024
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𝗗𝗮𝗻’𝘀 𝗥𝗲𝘁𝗶𝗿𝗲 𝗖𝗵𝗲𝗮𝗽 𝗥𝗲𝗽𝗼𝗿𝘁𝘀 𝗪𝗼𝗿𝗹𝗱𝘄𝗶𝗱𝗲☆★☆
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Health Insurance I Bought (Free ebook, Video, Agent, not affiliate link):
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What kinds of risks are you taking if you move overseas?
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This is EXACTLY a what I plan to do in retirement 9mos out of the year and comeback to the states for 3mos to see my kids and do it all over again!! CANT WAIT!!
Awesome! Best of luck to you!
Healthcare - I’ve lived n Thailand 7 years and I can attest to the quality of healthcare here being as good as the US, much less expensive, and much more accessible. I have insurance with a $1,000 deductible but have never had a medical bill over $500, That $500 was two nights in a private hospital recovering from a Dengue fever infection. I can book next day appointments myself with specialists such as dermatologists, urologists, neurologists, and oral surgeons. I recommend paying routine care out of pocket and have insurance for a really catastrophic health issue. You can’t always depend on being able to return to your home country for treatment. If you have a stroke, heart attack, or vehicle accident then you will need treatment where you are.
Thank you for sharing!
Thank you for sharing Marty. I have been in Thailand for 1 1/2 years this last time; and on-and-off several years in past. I went back to the States in 2020 because I had to have open heart surgery, which i could not afford here, but the VA hospitals provided free. In my experience medical care here is much better than the VA hospitals.. I would like to ask you - seriously - what insurance company you have (I currently have no insurance, am 76 y.o. so it is hard to get approval) and what it has cost you in the past for dermatology, urology, et cetera. I am planning on going to Manila soon to try to access medical care at the VA's clinic there. No idea how accommodating they will be. Possible I could get medical evaluation by the VA and bring the evaluation back to Chiang Mai and start spending my disability allowance on my health issues.
Any advice would be appreciated
@@DanielCunningham-bm5vb My Thai insurance is with Pacific Cross but at 76 years old I doubt you can get a good policy with them or anyone else. My last appointment with a dermatologist, with drugs, I think was $125. A couple of hundred dollars to see a neurologist and get an MRI. $550 for two nights in a private room in a private hospital - Dengue fever
I’ve heard that the VA clinic in the Philippines will only treat service related problems. Good luck.
@@martypoll Thanks for the information. About the VA clinic I have researched it online and the information is not completely clear, the one person who replied to my inquiry just said they handle non-service-related within their limits. The chart I saw showed they could cover some things like cardio and audiology. But maybe it would mean referring the patient out to a private hospital at his expense.
KL is looking more feasible at this point.
Thanks for sharing Martin. :-)
Wait!!!! Hold the press!!!! You met with a dietician to go over the results of your medical tests. Imagine that!!! Change your diet to improve your health. In the US, you meet with your “drug dealer” (aka doctor) to go over your medical tests. In 2022, I changed my diet and walked 8 miles every other day…lost 50 lbs, got off the 7 medications and now have the best blood tests ever. I still follow my new lifestyle 2 years and 5 months later
@WilliamFluery Exactly...imagine meeting with a dietician to actually talk about ways to improve your health. What a concept! Congratulations on your improved health!
Are you still seeing your psychiatrist?
@@SlimGlynn1 Sayyyy Whaaaat?
@@nomadjim Fo Sho!!! My doctor is a friend and I am trying to influence him. Once I reached my goals, (weight, exercise, biomarkers measured by blood tests) he told me I have a 2% chance of success. Thanks for the encouragement doc!!!!! He’s impressed I’m still at it 2 yrs later and continue to improve.
The inspirational value of this channel just continues to rise. Dan & Qiang, the service you folks are providing to all of us cannot be measured.
Hello @hughjass1044, thank you for your personal note of encouragement. It really does make a difference for us when we know people appreciate what we are doing. Your comments also cause TH-cam to show our video to more people so your note is like paying us a small tip $$ for our time. Thank you, Dan
@@VagabondAwake I'm hoping and actively planning to do the same things that you guys are doing. I'm hoping to get started soon but I have a few family issues holding me back but I keep following your channels and about a dozen others just to keep up to date and to keep that fire burning. You guys were one of the first to inspire me and you continue to do so. Maybe we'll even meet up some day along the trail.
cost of healthcare in the United States - it could be $300 in Location A or the same exact thing could be $3,000 in Location B. Also, the insurance could cover all of it, or none of it, you really will not know until you get the bill a month later. It's a total nightmare.
Me personally all covered by my employee sponsored plan. Read your policy....
I have found that the better physical condition I'm in the less ailments creep up on me. As a matter of fact I used to have prostate problems frequently, and now it feels like my core is the center of my strength and no more prostate issues.
Wiisdom.
Next week I'll be in Baguio Philippines. Maybe a month later in Nha Trang Vietnam I'm going to give slow travel a shot because when I was stationed in Germany, I learned that people around the world are actually quite decent. Decency seems to be dying back here in the States. It really breaks my heart after devoting Eight years of my life to military service to protect the US. I'm looking forward to escaping the divisiveness that politics has created here. We have a political party openly talking about another Civil War. It's exhausting.
Yes. It is refreshing to have a break from US politics.
I was thinking that America could go into Civil War too. Personally, I suspect there may be some shooting back and fourth, and yes, I am concerned about this too. Am just so glad I left the US, you've no idea. The politics is out of control.
“Eight years of my life to military service to protect the US.” I think about this all the time. Protecting for foreign enemies when the enemy is domestic. The constitution speaks to this “I do solemnly swear (or affirm) that I will support and defend the Constitution of the United States against all enemies, foreign and DOMESTIC; that I will bear true faith and allegiance to the same; that I take this obligation freely, without any mental reservation or purpose of evasion; and that I will well and ...” Oath of office for Congress.
@@WilliamFluery While I took that same oath, I completely fulfilled my active and reserve service commitment. Now, I'm retired and have different plans. Do I want to stay and fight with the MAGAtard Cult? No thank-you. Maybe if I were younger and not disabled. If you choose to do that, I'm not going to judge your choice. It's your choice to decide what you want to do. I've never believed in forcing my will on to others.
Dan you are doing a great job! this is exactly how i travel and no matter where i go i must stay there for a month just to feel the local vibe.
I think a better title would be "Watch this and retire now!" 🙂 Great video as usual.
I did my exam @ Prince Court last month. Such a great experience.
I have a friend with Medicare coverage and had an MRI done to her brain after a stroke and was charged $6K just for the test.
USA no doubt. It is tragic what the US government allows health care to do to her citizens.
Great insights, Jim. Whenever I travel (mainly road trips), I like to "live as a local". I love the tourist things in a given location, but I like to stay long enough to get a sense of what it is like to live there.
Totally agree!
Great story!!! The minimalism and selling everything is key. Thank you for sharing your story! (Having done the same recently, the feeling you describe is the same way I felt when I made the leap too.)
I lived a minimalist lifestyle for 20 years before retiring. It was still hard to clear out and sell/donate everything except 2 suitcases for overseas, but it sure makes it easier. Plus, it makes it easy to take up an enjoyable, simple, low cost overseas life.
You're very welcome! I love the freedom of minimalism!
Thanks so much. These videos are addictive. I can't seem to get enough of them. I think you should do one a day!
Awesome perspective from experienced traveller.
Thanks, Dan! Another excellent guest and video!
Another great interview , Thanks . I'm glad your guest mentioned slowing down the pace because -Just me - but I don't see less than a month or even more being your classic " slow travel". A while back you had a gentleman citing a 52 weeks 52 locations plan as Slow Travel . It made me think you must have incredible patience or just could not resist going along for the ride - or both .
Another great video!
Glad you like them!
This was great to hear! Thank you
Glad you enjoyed it!
You're very welcome!
I just spent five days in valley Baptist hospital for little to nothing they billed Medicare A $127,00. No surgery…. I got $9k my part. Sad food terrible experience and I was a provider for 3 years … so I can tell you the USA system is fully broken whatever way you wish to look at it
Sad but true.
Your 9k owed was you have a Advantage (c) plan witch is not medicare any longer you joined a private company. I have true medicare AB then N PLAN. Yes I pay extra 90$ month and I don't have a Bill
This is my goal. Greatly appreciate the interview. Thanks ever so much for another inspirational video. Thanks Jim and Dan.
Glad you enjoyed it!
You're very welcome!
He is enjoying culture of wherever he is at. That is exactly what I want to do. Work part time remotely from anywhere in the world is the way for me. Me my Dog and breathing in the culture.
Sounds like a great plan!
Sounds like he could easily make his stays be at hotels. Why enter into a lease contract when only staying for a few weeks or maybe a little more than a month? Advantages? Hotels don't usually charge for utilities, water or garbage collection fees. Almost always include hot water, heat, internet and Air conditioning. Plus, usually a land line type telephone. Basically, everything is covered by the hotel's cost. Often, they even have continental breakfast for free or very little cost. Sometimes they will even bring the breakfast to your room.
I prefer having a kitchen to cook at home. But if you prefer hotels, all the power to you.
I prefer the feeling of being in an apartment. In a hotel you feel more like a tourist. In an apartment you feel more like a local. Also, staying in an AirBnB apartment, which I generally do, the costs you mention are covered in the price you pay for the unit. And hot water, heat and A/C are standard in most places.
Awesome. Good dude.
Thanks for watching!
𝗗𝗮𝗻’𝘀 𝗙𝗥𝗘𝗘 𝗘-𝗕𝗢𝗢𝗞→ 𝗙𝗶𝗿𝗲 𝗬𝗼𝘂𝗿 𝗕𝗼𝘀𝘀 𝗧𝗿𝗮𝘃𝗲𝗹 𝗪𝗼𝗿𝗹𝗱
vagabondbuddha.com/fire-your-boss-travel-world/
𝗗𝗮𝗻’𝘀 𝗥𝗲𝘁𝗶𝗿𝗲 𝗖𝗵𝗲𝗮𝗽 𝗥𝗲𝗽𝗼𝗿𝘁𝘀 𝗪𝗼𝗿𝗹𝗱𝘄𝗶𝗱𝗲☆★☆
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𝗗𝗮𝗻’𝘀 𝗥oad Map to Freedom Overseas (Retire Overseas Course)☆★☆
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𝗗𝗮𝗻’𝘀 𝗛𝗼𝘄 𝘁𝗼 𝗠𝗮𝗸𝗲 $$$ 𝗢𝗻𝗹𝗶𝗻𝗲 𝘄𝗶𝘁𝗵 𝗬𝗼𝘂𝗿 𝗛𝗼𝗯𝗯𝘆 𝗖𝗼𝘂𝗿𝘀e
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Health Insurance I Bought (Free ebook, Video, Agent, not affiliate link):
vagabondbuddha.com/expat-health-insurance-ebook/
What kinds of risks are you taking if you move overseas?
vagabondbuddha.com/our-liability-disclaimer-the-risk-is-on-you/
Thank you Dan and Jim for sharing your experience and advice. I am 76 y.o., in Thailand. Not exactly a slow-traveller I am more like a slow stumbler. One of the problems I have had has been lack of an address in North America. The house I lived in in Massachusetts, they refused to allow me to claim that as a permanent address for legal purposes. Like for my Charles Schwab bank and Amazon account, they want an address in the U.S. for reference. And Bangkok Bank wants a long-term address here. They would prefer my VA disability check to come directly to Bangkok Bank, for the visa application, but the VA online forms make it impossible to change the DD bank . So how have you handled you permanent address, e.g. making hotel reservations, visa applications, car rentals......?
You're very welcome! I have a virtual mailbox address in the US that I use as my permanent address for the various things you mentioned. I would have the VA disability check deposited in a US bank account that you can draw from as needed. You don't really need a bank account in Thailand if you can just draw from your US account.
@@nomadjim Thanks for the reply Jim I will look into the virtual mailbox thing. I have had a bank account in Thailand for some time. What I was referring to was for the visa. They want 800,000 baht in the Thai bank for 3 months or more before making an application for a Retirement visa. I had that covered a year ago. Now, my g/f and I are thinking about getting married and the Marriage visa requirement is 400,000 baht, for three months, or so. I have drawn down the balance and if I go to Philippines and/or Malaysia I will have to start over again and transfer my fortune over to Thailand again - or else have the VA make DD of my allowance into the Thai bank every month.
Thanks again for all the information.
Renting becomes owning if you’re tied down to maintaining bases because it ties you down. However if you take a hotel that you like in the area of choice you can show up whenever. That’s preferable with no expense.
Yes, he is not maintaining bases either. He clarifies in the next sentence. :-)
Dan , enjoy your content. Would love to see you cover the topic of owning a small home base. I love traveling to Asia. I am currently in Las Vegas and thinking about downsizing and selling my house. Too big and too much maintenance. I do want to keep a footprint though in the US. A small place that is safe, quiet, and peaceful. Don’t want a lot of monthly fees and also a place I could leave for months without worrying about. Any suggestions or chance of an ideal home base location video that would be adjacent to an airport? Lots of options for food and entertainment here but it’s too expensive for what it is currently.
Since I am only home for a week or two every other year, it doesn't make sense for me. Here is what I would do about real estate: vagabondbuddha.com/why-retired-expats-should-not-buy-real-estate-overseas/
Great interview!! What makes up a “home base”? What are the parts which make a “home base” successful?
Thanks for the question. For me I see a home base as being a place that I really enjoy and feel comfortable spending time in, that I would like to keep returning to over and over, that has good connections to the region to allow for easy exploration in that region, that has activities I enjoy...e.g., abundant nature and hiking opportunities, that has an availability of a wide variety of cuisines, that I have some connections to... perhaps it's a place that is a health care location for me, or one where I am active in a local social group or have some good friends that I enjoy spending time with. At this point, that's what I'm looking for in a home base. But fundamentally, I think it's just a place that feels very comfortable to you and that satisfies whatever it is that is most important to you.
Thank you!
Wow…so many negative Nellies in the comments. Just because slow travel may not be for you, doesn’t mean it’s wrong. In a year and a half I’ll be retired at 56 and starting my slow travel adventures. Can’t wait!
I retired at 56 as well. Best of luck with your adventures!
This is my dream once i reach 58 i only need my back bag and phone with a total budget of 10k a year shuld be enough for me 3 to 6 months a stay is more cheaper.
Go for it and enjoy!
Lovely photos 📸
Glad you like them!
Wanderlust.
@nomadjim - What do you do for a vehicle when you travel back "home?" Rental? Turo? Uber?
I either get a rental car or borrow a car from family when occasionally needed.
The problem I see with this - for me - would be the actual work it takes for making the arrangements so frequently - to 'affordably' keep moving ? --- Perhaps a slower move - like a monthly rental rate might help that ? --- He must be seeing that light. --- Areas of interest surely would also require longer stays than 10 - 15 days ? Would for me. --- He didn't mention budget - and neither do you normally. > Your estimates of living somewhere doesn't tell us what you actually spend ! (( ? )) S E Asia is maybe the most affordable parts of the world ?
SE Asia is the most affordable in the world
You are a little confused so maybe I can add a few words on this. I live in Japan I am retired and have been for 10+ years. I retired from the U.S. slow travel does not mean you leave every month. You move when you get the urge. At 74 I go slow moving every month would wear me out. I have no budget I spend every dollar if I don’t spend it I give it away. I earn 5 times more than the average salaried Japanese so anyplace in Asia is more affordable for me. Still we try to live economically to see how we can stretch the money and in Japan it can be as little as a thousand dollars or less a month. Then your travel becomes your main expense that you can budget for. Keeping your travel to a minimum might be a consideration if you are short that time. A visa is usually 3 months so unless I want something more my slow travel is 4 to six times a year. If you have a woman in each place it becomes difficult anyway to leave in less than 3 months I know that’s true for me anyway. Money can’t be a problem if you are American on social security and have some savings. Never tell people how much you make because the difference will make people angry. American retirements are enormous compared to the world so you can go anywhere in Asia without worrying about your budget. I was an accountant I know the importance of a budget when you are working and building wealth. But now is simply living within your means
@@michikoiesaka3365 I have a question for you regarding health insurance. How do you handle it? I have medicare in the US, but that's obviously not good outside US.
Another great interview. But how would Jim handle major health issues without any insurance especially in countries or cities without the high quality of care or where it can be more expensive than Malaysia? Of course the whole lifestyle only works best for a single person, but if you're married with children....??
Once the kids are grown a once a year visit may be enough?
If I had a major health issue, for example a diagnosis of cancer, I would probably choose to take care of that in the US where I do still have medical insurance.
@@VagabondAwake I'm thinking of slow travel of younger people with children.....
@@nomadjim Meaning that your slow travel doesn't involve taking out any insurance anywhere and relying on cash? And hoping the costs don't become prohibitive??
@@dovygoodguy1296 For most medical issues, it's a reasonable cost to just pay out of pocket in many places around the world, and also get great medical care. But if it involved something more costly, as with a major health issue like cancer, then I would take care of it with insurance in the US.
What please was the name in Malaysia of the place that does the health screening?
Thanks 😊
Ah, maybe it was Prince court
@jackhayden3050 Yes, Prince Court Medical Centre in Kuala Lumpur. You can make an appointment for a health screening online through their website. Recommend making an appointment at least 3 weeks in advance because they do fill up quickly.
I’d be interested to know if he ever gets lonely?, how long he’s been slow-travelling for?, and is he old enough to receive a pension or is he living off savings?
Thank you for your questions. I'm comfortable with being alone, but if I do feel lonely I can always do a video call with family or friends or meet people in my location to hang out with. I've been slow traveling for about 2 years. I'm 60 years old and have a pension. Also, I planned to do a lot of traveling in retirement, so I made it a priority while I was working to save and invest enough so I could afford it.
@@nomadjim Thanks for replying. Good to know as I'm currently saving $$ and accumulating pensionable service so that when the day comes, I can leave North America and only come back when it suits me.
@@geronimomorris7947 You're on the right track. Best of luck to you!
I love this whole thing except ONE thing, I have 3 pets, I'm not able to **Vaxx my pets.... any ideas?
I am not an expert on international travel with pets. but I hear many countries require letters from vets explaining that animals that want to board airplanes are healthy and vaxed and that sort of thing? Sorry I don't know more.
What are some options for mail forwarding services slow travellers? Any advice would be greatly appreciated.
I use Ipostal1 as a long term slow traveler who goes to US once every one to two years. Ipostal1 has been great. Enjoy
Great question @malcolmnicoll1165, those are the kinds of questions I answer in detail in my free eBook here: vagabondbuddha.com/fire-your-boss-travel-world/
Thanks for watching and commenting!
Dan
I use Post Scan Mail. I've been very happy with them.
@@nomadjim thanks. I’ll check it out.
How do you receive your mail? Meaning what do you do about an address? (for tax/banking info, pension/401k) I receive most statements in my email but I know that it is necessary to always have a US address.
*only helpful replies requested
Great question @booklover555, those are the kinds of questions I answer in detail in my free eBook here: vagabondbuddha.com/fire-your-boss-travel-world/
Thanks for watching and commenting!
Dan
I have a virtual mailbox where I receive mail and use as my address. I use Post Scan Mail for this service and have been happy with them.
@@nomadjim Thank you!! I’ll look into that. I just arrived home after visiting 24 countries lol. I’m getting ready to change that up and do 1-2 months in some of my favorites then come back to visit US maybe twice a year.
@@booklover555 Sounds like a great plan! Enjoy!
What if I already retired? 😂
Okay, we'll make one exception. But only for you. lol.
I couldn’t think of a worse idea. Is this like being a hobo with money? You are homeless dude.,
Enjoying the world endlessly is the worst thing you can think of. I sense a lack of imagination.
So if I have $X million in net worth & sell my house to become a travel nomad, I'm homeless? Technically, yes ... but I'll take that any day over a possession I have no use for.
Actually it is a great idea. I’ve been doing 10 years now. I have no possessions only a lot of money. I’m in Japan now and am in the moment. I’m retired and earn 5 times more then the average Japanese worker. The only down feelings that might come up is that the days seem to be rushing by. Try it instead of criticizing.
i'm about 2-3 years from being a slowish traveler. Probably start in Europe and hit every country there, stay in some longer than others. I'm just going to play it by ear and see where things take me. May also get a long term Eurail Global pass that covers trains and ferries to 33 countries, and just ride around for awhile and see a lot that way to. I don't need 5 star hotels or expensive restaurants, cheaper hotels and non touristy local restaurants work best for me. I will probably end up in SEA and use Thailand as a base to visit the countries around there.
@mhar805633 Sounds like a great plan! When in Europe, keep in mind that you cannot spend more than 90 days within a 180-day period within the Schengen zone countries. So plan your travels to balance your time between Schengen and non-Schengen countries to keep within that limitation. You've got the right ideas for where to stay and how to eat. If I'm staying in hotels, I always stay in locally owned places that are modest but comfortable rather than chain hotels or 5-star resorts. The non-tourist restaurants just a block or two from the tourist area have great food at much cheaper prices. Best of luck as you prepare for your slow travel adventure!
@@nomadjim thanks for the response. yeah, i'm going to bounce in and out of the Schengen areas for awhile, and then work my way up to the 5 year multiple entry visa. that way i can go back and forth without doing visa stuff each time. I learned the hard way to check out the rooms of the non chain hotels before you do anything. Went to a "nice" hotel in Copenhagen years ago, got all checked in and then went to the room. the room itself was okay, but the bed had a large human length dent in the mattress, and the headboard finish had been worn in a circle from apparently women's heads rubbing on it. Found out that the hotel was apparently on the edge of the red light district, the rooms were for more short term fun. This was before cell phones and internet were everywhere, and i'd never been to Copenhagen before so had no clue. Just came in by train from Aarhus and picked one of the hotels near the station. LOL
@@mhar805633 LOL Funny story. Yes, having the internet these days makes it a lot easier to keep from having those kinds of surprises.
So boring !! Uugg !!!
Sorry you didn't enjoy it. My life is anything but boring! This is Jim from the video.
@@nomadjimI enjoyed your story. Nothing boring about it. Thank you for sharing your journey.
I enjoyed his story. I went through the same process and asked myself ... why am I going home? Then only visiting for special occasions or holidays, etc.
Then go elsewhere see ya
I did my exam @ Prince Court last month. Such a great experience.
Was that your health screen exam?
How much did that cost please?
Thanks
Yes, it was the health screening. They offer multiple packages so you should look at their website to see what fits your needs. My full day of test was about $320 US.
I also met w/ a dermatologist & Ortho, each visit was US$48 & I was able to schedule an appointment within 24 hours