Retirement Decisions

Retirement decisions are sometimes difficult.  Your whole life will probably change when you are no longer heading out the door of your home at least 5 days a week to head to that job you may have had for years.  When the time comes near, there are many, many decisions you are going to have to make, and hopefully, you’ll be happy to live with those decisions – for years!  ‘Cause retirement can be a huge portion of your life what with the health care we’ve been given.

But, the sad reality is many people simply are not able to have a good life during that inevitable retirement period, due, of course, to their finances. And we can blame that on many, many reasons.

Some people have lost the “little pot of gold” they were planning to live on, due to some of the financial catastrophes the United States has experienced the last few years. Some people are facing losing a “company pension” they had been counting on for years. Some people simply never put enough away to live on, when that paycheck stops – as it eventually does. Whatever the situation is, there are, thank goodness, alternatives.

One easy alternative is to simply move to another country – where the cost of living is not as escalated as it has become in the States. That pretty much opens a whole world of possibilities – literally – the whole world is open to consider.

There are places in the world you can live on very little money – I’m talking about under $100 a month. But, I prefer a flush toilet, thank you. And I want water coming out of a faucet in my home – I cringe at the thought of dipping water out of a crocodile infested pond for daily use – not for me. Now, that may sound exciting and enticing to some – and if so – hey, go for it.179, neighborhood you won't see from your resort This picture shows a Mexican neighborhood you won’t see from your resort, I bet!

But for me, I need conveniences. I want high speed internet, cable TV, a nice big refrigerator well-filled. I want to be able to go to a church of my choice. I want to be able to shop without an armed guide. And I want to live among people I can communicate a bit with, and I even want a couple of other N.A.’s somewhere in the area, just to turn to, if I need them.

I want good medical care – that may be number one on my list of wants. And maybe number one and a half, on my list, is the ease of returning to the States when I want to visit kids and grandkids, take a tour, check up on important things, or just to be back in the good old U. S. A. for a while.

Sounds as though I want it all doesn’t it?

Oh, and I forgot to mention, I want a really nice low cost of living. Well, luckily for all of us, we share a huge border to our south with a country called Mexico. Hopefully it will be a more secure border soon, but beyond that problem, Mexico offers everything to have a happy, relaxed retirement.

Mexico is nearby. Of course, Canada is near too, but I can almost guarantee, you don’t want their cost of living – Canadians are flocking to Mexico, too.

As long as you hold a passport, it’s a pretty simple process to head back north across the border, and easily be back in the States from Mexico.

Roads are constantly being improved in Mexico – try to stick to the toll roads until you are totally familiar with Mexico and you’ll pretty much travel same as you would in the States. Plan ahead, know where you’re going and when you want to get there. You’ll probably find many places with the colors of Mexico, as in this picture.

Mexico has just about every convenience you are used to finding in the United States. You will find 174 colors of Mexico in Bajahigh speed Internet in most locations now. And TV – either by cable, or a dish – and they are readily accessible. Don’t worry, you’ll not miss your favorite programs. But, you just may be lucky enough to live where, on many warm nights, you will hear the strains of a Mariachi band drifting through your open window instead of the tv droning on.

Of course, if your dream lies in living in a small Mexican village, then, you may have to travel – probably not very far – to shop in a WalMart, Sam’s, or even a Costco. But I’ll bet after a very short while of living in Mexico, your desire for those stores will get less and less. You’ll more than likely quickly find the wonderful street markets and the fascinating Mercados that are all over Mexico. That’s where the natives shop and they spend only a fraction of what they would in the big type “foreign” stores.

However, do realize Mexico is not the United States. At the present, drug lords are having an all-out war for their territories – and that reaches right across the border and into the United States. So be very aware, keep your eyes open, and as my Mother always said, keep your nose clean. Be careful – much as you would be in Los Angeles, Miami or Chicago.

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12 Responses to Retirement Decisions

  1. Milton Platt

    April 17, 2012 at 10:06 pm

    Okay…..you’re slipping…..I have lived in Texas all of my adult life and have traveled over quite a lot of Mexico and I have never seen “mercado spelled with a K.

  2. thomas myers

    April 18, 2012 at 9:48 am

    Have been to Mexico on the Cabos area a couple of times and really liked the El Pescadaro region. Want to explore the mainland of Mexico a little more before deciding my retirement home. Your Web Blog is very helpful and enjoy it much.

  3. Bred

    April 19, 2012 at 4:28 am

    I would not travel anywhere without a valid international medical insurance

  4. Dave Wood

    April 20, 2012 at 3:29 pm

    Hi Barbie,
    Was wondering if there were any expats in the Playa del Carmen area you were familiar with that I might be able to get in touch with. We will be down there for a week at the end of May, and would love to talk with someone who has moved to that area. Also thinking of the Progresso area in Yucatan.
    Thanks, Barbie. Really enjoy your blogs!
    Dave

  5. Barbie

    Barbie

    April 23, 2012 at 2:41 pm

    Oh darn, Milton! Can I blame a “senior moment”? Thanks – keep me on my toes :) Barbie
    p.s. I did correct it – thanks.

  6. Barbie

    Barbie

    April 23, 2012 at 2:46 pm

    Thanks so much for taking time to write me! Keep reading – keep me posted on your progress as you explore and maybe decide! Barbie

  7. Barbie

    Barbie

    April 23, 2012 at 3:29 pm

    Hi Dave, I did put a few notices out to people about Playa Del Carmen – hopefully someone will take time and send you some info. In the meanwhile, read: http://moneysavingmexico.com/cruise/yucatan-progreso-cozumel/ Enjoy, Barbie and I will forward any info I get.

  8. Milton Platt

    April 23, 2012 at 6:01 pm

    Well, they say the memory is the first thing to go….I forget what the second thing was…..

  9. Ethen

    May 18, 2012 at 12:37 am

    I agree getting retired can be a scary thing. I have still not retired but on the the threshold of retirement and already I am running around making arrangements. The cost of living has really sky rocketed in past few years. I am searching for a place which has all the basic facilities and is not expensive to live in. Thanks to your post I think I have found that perfect place.

  10. Gene Boneker

    May 19, 2012 at 5:52 am

    Moving permanently to Querataro area end of June. Any update on new immigration law. Question If I am not able to get a FM3 or 2 before going can I get a small trailer containing household goods, clothing, etc. no furniture in.

    Thanks, Gene Boneker

  11. Barbie

    Barbie

    May 22, 2012 at 10:38 pm

  12. Iniobong

    July 9, 2012 at 1:54 pm

    Whether or not they are credit cards or loans, try and pay them as often as you can, rahetr than amassing it. To make your retirement a calm one, you are going to need to use caution about any taxes that need to be paid or whether your house is completely yours or not.

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