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BlackExpat25's avatar

I want to live abroad when I retire and I want to take a sabbatical this year. I turn 55 in August. I'm married and my husband wants to work 10 more years at his state job. I have been working on my move since I got back from Egypt in 2022. My original departure date was 60. But after the election, I really want to move sooner or have residency in a second country right away. My plan has changed several times. I was considering Peace Corps when I turned 55. But, I don't want to deal with anything that is dependent on the US State Department. Then, I started taking a TEFL course and now I am certified to teach English as a Foreign Language. My next plan is to teaching English overseas and online. Along the way of finding that class, I learned about Spanish language ambassadors (NALCAP) and now I plan to do that in the fall of 2025 (this year). My current job allows for several options to take a leave, FMLA, Short-term disability, LTD and even a 12 month unpaid leave. Back in 2024, I was planning to take a month leave to take my TEFL course in January 2025 in Costa Rica for 4 weeks but my supervisor denied my request.

Now, I'm actually glad she did because now I know to go the paid route and use HR and my therapist to obtain my paid sabbatical. Live and learn. I would love to country date until I can collect social security (at 62) and retire outside of the USA, I'm considering several countries, Mexico, Panama, Belize, Uruguay, Colombia, Costa Rica, Ecuador and Thailand. (I probably missed a couple of countries that I am considering.)

I feel like I am behind schedule because I don't have enough money in my 401(k) to tell my job to kick rocks and I still have some credit card debt but I am not letting debt stop me. Debt is just a situation that I am managing. I'm tired of being a wage slave for capitalism. I was exploring using the Rule of 55 (or 72t) to get access to my 401k without penalty but the math wasn't mathing. I'm just trying to stay on track even though I feel like I'm doing this without my husband's support.

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Kay Hill-Johnson's avatar

My husband and I definitely want to live aboard for a few years. The issue is looking at more options. I think a retirement visa would be good to start and move for a few year but my spouse doesn't want to that. It's the mindset of continuing to work when we can afford to take a break. I hope that makes sense.

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