re: How much money do people need to retire?

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Greatly depends where and how far from home to the definitive care facility. I've lived in Costa Rica, in Mexico, etc and as a provider I'll say quality of medical care was spotty at best. As stated distance is important, 1-2hour to a facility when one is having a STEMI or CVA will likely result in a bad outcome.

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Panama, Costa Rica and Portugal on our short list. We are probably 15 years away from this possibility, at minimum, so that could change if other countries provide incentives for retirees.

Panama doesn’t technically have universal healthcare, but they do have a public option that is reasonable as well as a private pay option that is very doable.