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What if you could cut your monthly expenses in half, without giving up the quality of life you love?
It’s not just a dream. For thousands of people, it’s their new reality after choosing to move to Panama.
Meet Carol and Jim.
They spent most of their lives in a small town in Missouri. After decades of hard work—Carol as a school librarian and Jim as a mechanic—they were ready to enjoy retirement. But like so many others living on Social Security, they found the “golden years” weren’t as shiny as they’d hoped.
The Bills Just Kept Climbing
Their combined Social Security checks totaled approximately $3,200 per month. That used to be plenty. However, over the past few years, it has become increasingly challenging. Rent kept going up. Groceries were more expensive. Gas, medical costs, even a simple dinner out—it all added up fast.
They were constantly choosing between stretching the heating bill in winter or cutting back on groceries. A night at the movies? Forget it. Vacations? Not in the budget.
They weren’t living. They were surviving.
And that’s when Carol stumbled across a Panama Relocation Tours YouTube videos of people talking about retiring in Panama. Everyone in the videos were enjoying warm weather, friendly locals, and most importantly… affordability.
A Different Kind of Retirement
They decided to take a closer look.
Carol was skeptical. “It sounds too good to be true,” she told Jim. “There has to be a catch.”
But the more they researched, the more intrigued they became. Panama offered everything they were looking for—and more.
Here’s what sealed the deal:
🔹Affordable healthcare that didn’t break the bank (and no need to wait months for appointments)
🔹Lower cost of housing with beautiful rental homes for a fraction of U.S. prices
🔹Fresh, affordable food from local markets
🔹And a community of other expats living comfortably on Social Security alone
More Life. Less Expense.
They bought the Online Panama Relocation Guide and connected with others who had already made the move in our private Facebook group. It was like a family reunion of people they had never met before! It was so welcoming and just felt right!
Six months later, they sold most of their belongings, packed their bags, and headed to Panama. They could not afford to visit first. They just took the leap of faith that Panama would be a better, more affordable lifestyle.
They knew things were not going to get better if they stayed and did not want to be forced to go back to work.
Life in Volcan: A Breath of Fresh Air
Today, Carol and Jim live in a furnished two-bedroom rental just outside of Volcan. a charming mountain town with cool breezes, stunning views, and a vibrant expat scene.
Their rent? $850 a month for a furnished three-bedroom two-bath house, including electricity, water, high-speed internet, and gardening service. No air conditioner is needed in Volcan.
They buy fresh fruits and vegetables from the local farmer’s market for pennies on the dollar compared to what they paid in the U.S. A week’s worth of produce costs less than $20. And the pineapples? Out of this world.
They even have a housekeeper who comes every other Wednesday to clean their house for just $25.
Healthcare? Jim recently had a minor procedure done at a private clinic in David. Total cost: $48. No insurance battles. No hidden fees. No stress.
They chose not to get Panama health insurance because it’s so affordable to see a doctor. There’s a public hospital a few miles from their home where they can see a doctor for $2.
Carol and Jim were both able to get off high blood pressure medication after moving to Panama. Living a stress-free lifestyle can do wonders for your health!
They both kept their Medicare Advantage plans, which they can use (with zero out-of-pocket expense) for any urgent care or medical emergencies in Panama. They worked with the insurance agents we recommended to reduce their costs to $130 a month each for Medicare Advantage.
They’re not just saving money—they’re finally enjoying their retirement.
Here’s the Thing…
You don’t have to give up a comfortable lifestyle to live more affordably.
Carol and Jim didn’t downsize their life. They upgraded it.
They dine out more than they ever did in Missouri—meals at nice local restaurants usually run $6–$10 per person. They’ve joined a hiking group, taken up painting classes, and even volunteer at a local animal rescue.
Sometimes they have a date night at a movie theater in David to watch a first-run movie, in English! With their Pensionado discount, it’s less than $4 each to go to a movie. David is a large town with malls, shopping centers, even a store like Costco, two large private hospitals, and an airport with daily flights to Panama City. It’s a 40-minute drive from their home near Volcan.
And they still have money left over each month to save—or travel around Panama.
It’s Not Just About the Money
Sure, saving money is great. But the real win?
Peace of mind.
No more constant worry about how to stretch a dollar. No more stress over surprise medical bills. No more feeling like you’re falling behind.
Instead, you get time. Space. Community. A sustainable lifestyle!
Carol told us, “It feels like we got our lives back. We laugh more. Sleep better. We’re actually living the retirement we dreamed of.”
SO, WHAT’S THE CATCH?
Honestly? It’s just about being open to change.
Yes, you’ll need to adjust to a new culture. Learn some Spanish. Let go of a few U.S. conveniences.
But in return, you gain freedom. Simplicity. And a better life—without the financial strain.
👉Panama changed Carol and Jim’s life.
👉Panama might just change yours too.
Come see how you can
LIVE BETTER for LESS in Panama!
Moving to a new country is a big decision, but it doesn’t have to be complicated.
Since 2010, Panama Relocation Tours has helped thousands of people move to Panama and start a new life here the right way. Our Online Panama Relocation Guide includes everything you need to make a smooth transition:
✅ Step-by-step instructions for residency visas
✅ Trusted immigration lawyers and real estate agents
✅ Rental advice and relocation checklists
✅ Healthcare and insurance contacts
✅ How to bring pets, buy a car, open a bank account, and more
✅ Private tour guides in 12 different areas of Panama
✅ Lifetime access with monthly updates and ongoing support
Whether you plan to retire in Panama or move sooner for a more affordable, enjoyable expat life, the Online Guide gives you the knowledge and tools you need.
👉 Click here to explore the Online Panama Relocation Guide
Ready to Lower Your Cost of Living?
➡️If you’re tired of watching your savings disappear faster than expected…
➡️If you want to live well without working forever…
➡️If you’re ready for a fresh start in a country where your money goes further and your stress fades away…
Then it’s time to take a closer look at life in Panama.
Thousands have already made the move. Are you next?
