[raw_anon_1111]

No one is doubting that it is possible to save enough to retire by the time you’re 50 - as long as the ACA and the open market is viable.

[snayan]

Just leave the US, problem solved.

[raw_anon_1111]

I said in another reply, that’s actually a real Plan B. We are going to stay in Costa Rica for 5 weeks starting next week and my wife and I are both learning Spanish now. I’m at around an A2 CEFR level.

I’ve already researched the residency requirements for both there and Panama

[infinite8s]

There are definite costs to this in terms of continued US taxation as an expat, especially if there isn't a tax treaty in place.

[raw_anon_1111]

Costa Rica doesn’t tax foreign income. But logically it only makes sense to establish residence there if I am not working. CAJA - their healthcare system would be about the same price as my employer provided healthcare.

I already don’t pay state tax living in Florida and I would pay federal tax either way.