Ask HN: Do you plan to move to a lower COL area/country?

32 points by lbrito ↗ HN
Having done the opposite (low COL country to Pacific Northwest), I can say I'm thinking about this. I want to retire some day. Can't do that without savings, and can't have savings here even with a reasonable salary.

63 comments

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Yes. Colorado to Texas. And looking into Latin America next.
Hell of a cultural change from Colo to Texas. Might not be worth the reduction. And when looking at a low tax state, watch out for non income taxes such as property. They’re the gift that keeps on giving.
Not a fan of Texas at all myself, but I would hardly describe moving from one part of the US to another as a large cultural change.

Political differences may exist between small cities and large cities, but most aspects of culture (language, holidays, daily-schedules, norms, etc.) remain largely the same.

Plus plenty of parts of Colorado are similar to plenty of parts of Texas, politically.

Culture change doesn't have to be political. One of my friends post college moved from the PNW to Northern Virginia. Both places he lived were represented by centristy Democarts. However, they're still wildly different places. Even though he had more diverse job prospects over there for his particular field, he came running back after about 2 years because he was tired of living in a swamp.
I guess the point I’m trying to make is that location change and culture change are two different things.

It sounds like you friend just didn’t like living in a swamp - understandably so!

Location does impact lifestlye, and in my view that's a big component of culture. The kinds of outdoor activities people do, the kinds of commonly avilable foods, the interests people have (especially prospective partners if you're looking for that), the ways houses are constructed, the attitudes people have towards strangers, neighbors, etc.

I'm not saying this is on the same level as moving to Mongolia like some people I know, but it really does add up and I wouldn't call it insigifnicant, especially if you like where you are currently (not gonna speak for above on that front).

Couple of things about retiring early: pay off your living space and car. Don’t carry debt into retirement as you income drops. Have a pile built up to cover non-medical health, travel, repairs and nether kinds of spending. Max out retirement accounts to get some tax savings,

If you’re trying to do this in the US, you need a bigger pile as you need private health insurance as well. Figure 2-5k/month for this, especially if there’s more than 1 person involved. This added expense might push retirees out of the us if there’s no family ties. Watch out for tax treaties with foreign countries and be careful re residency and citizenship to make sure you can get the govt pension you paid for for decades.

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Moving to upper Michigan next week (Marquette area). Visited on a break from SF during lockdown, just bought a house. Me before closing: "It's great, shh, don't tell anyone." Me now: "It's great! Tell everyone!!11" ;)

Not too hot, not too expensive, not too on fire, plenty of water.

Did you visit during winter?
Haha, everyone asks, and no! We visited first in the summer, and then bought the house sight unseen and showed up in February. We lived in Alaska for awhile though, so I think we're good -- it takes a lot of winter to impress me after Fairbanks.
Yes, we moved from California to Arizona. One of the best decisions we ever made.
Did the same (from SF Bay Area) 16 months ago. Don't miss CA aside from friends and family.
Yep, absolutely. Just biding time until I can recoup some of my savings. I splurged on a car.

I'm nearing the age where if I don't commit to owning where I live soon, I'll be renting until I can't afford it anymore.

Inflated metro pricing isn't worth it IMO. Give me quality internet and I'm set.

No. I have three kids, one just started high school, and they are established socially. I'd save a ton of money leaving California, but I can't put a price on the impact to my kids.

I'm out of here as soon as the kids are out of the nest, though.

Sigh Moving to a (slightly) higher COL area for family reasons as soon as we figure out the budgeting. It's likely to involve finding a new job, but this seems like a decent time to do that, at least.
My wife and I did this immediately upon retiring: Pacific Northwestern U.S. to Lisbon, Portugal. Early days yet (less than one year), but so far has been fantastic. Much lower cost of living, the culture is similar enough to be comfortable, and different enough to be fascinating and fun. Plus, meeting people from all over the world. Met a couple from Croatia today in the pet store.

I strongly recommend moving to a different country, if you can. It's a big, interesting world out there.

What's it like doing that as a US citizen? What are the costs involved? I imagine you have setup your whole life in Lisbon with a place to live, bank accounts, residency, etc... but then you have to maintain ties the US as that's where your retirement accounts are, etc.? And you still pay US taxes?
To start with: We decided to apply for what's called a "D7" visa. Skipping over the details, it allows us to reside in Portugal long-term; it is somewhat analogous to the U.S. "green card". And, after 5 years, we can apply for Portuguese citizenship (which, of course, gives us access to the entire EU).

The application process was straightforward, if tedious; mainly obtaining a bunch of documents that proved that we were not wanted criminals in the U.S., that we have our own health insurance, and that we had sufficient financial resources that we would not become dependent on the Portuguese social system. It took us about four months to get everything together, and cost in total ~ $200USD (fees for various agencies, both U.S. and Portuguese). You have to submit your documents to the Portuguese consulate that is "attached" to your part of the U.S.; in my case, that was in San Francisco. It was a hassle (made worse because of COVID), but just bureaucracy, nothing worse that that.

We spent about three months in Airbnbs around Portugal to decide where to live, so that cost some. We just signed a two-year lease on a nice 3 bedroom apartment. We were able to do that prior to opening a Portuguese bank account (we used Wise to transfer the money from our U.S. account), but we are working on getting a local account; it'll make paying rent, utility bills and random purchases much easier. (Example: I managed to find a local store that has a Raspberry Pi 4 2GB, but I couldn't buy it online, because their website could not accept a U.S. billing address for my credit card. Grr.)

And yes, we still have financial ties with the U.S., primarily our retirement accounts, and we still pay U.S. taxes. Fortunately, Portugal and the U.S. have a "no double taxation" agreement, so we do not also pay Portuguese taxes on our retirement funds.

The cost of living is significantly lower here than it was in the Seattle area. Our money goes much further. The people are wonderful, the country is beautiful (by and large), and it is much safer than the U.S.--and feels that way! And, all of Europe is a short plane or train ride away.

If you are truly interested in trying this, I strongly recommend the "Portugalist" website: https://www.portugalist.com . James, the man who maintains the site, has a wealth of information on visiting and moving to Portugal. So far, all his advice and suggestions that we've used have been excellent.

Thank you so much for the detailed reply!
I really like Portugal. Great weather, excellent food, everything is cheap. And I speak Portuguese, so its more or less like home.

Income taxes are high though, and I'm not sure about health service, schools etc.

lbrito, do you currently live in Portugal? And, how did you learn Portuguese? My wife and I are working on it (she is much farther along than I am), and man is it tough! So many times I thought I was speaking really clearly and correctly, but the person at the pastelaria just gives me a really confused look. (At which point I dig out my translation app. :-/)
I live in Canada and am Brazilian. Haha, classic. Genders is what trips most people up. I've seen foreigners living in Brazil for decades still making funny mistakes on gendered nouns. I think at some point people give up memorizing them. Don't be discouraged though, it's not that hard! Feel free to message me if you want to practice. My email is in my profile.
Thinking of doing the opposite. Moving from Madison, WI likely to PNW (Seattle is most likely). The complete lack of... much of anything around here is a huge driving factor. That and the political landscape of the area. If I was looking to raise a family (I am not), it would be much more compelling to stay.
My artistic homosexual brother moved to the big city. He is now living together with a Japanese expat. Some lifestyles just can't be had in the boonies.
Good for him! I would be lying if part of it wasn't also the lifestyle, big city is very appealing to me, personally!

Here's a short list of why I'm personally planning on leaving:

* Winters here suck, a lot (4~ months of the year is <40 degrees f, much of it in the 0-9 degrees f range)

* Summers here are hot and muggy (3-4 months of the year >75 degrees f + 73% humidity daily avg.)

* Mosquitoes are very bad here (and I'm allergic to them)

* I'm allergic to most of the flora around here, thanks dad

* Better job market, not a fan of fully remote work

* Walkable communities, better public transit

* More people for niche hobbies

* Better diversity, nearly everyone here is white or a college student

* Far from major airports, air travel is either expensive + inconvenient or a 3 hour drive away

* Outdoor activities are rather limited here relative to other parts of the country, it's very flat and the lakes are small

* Surrounding area is all yee-haw people (lol)

* Restaurant selection is good, relative to only having a McDonald's and Little Ceasars (so not good, but better than most other parts of the state)

* Hope you like driving! You'll do a lot of it to do anything at all

* Housing market here sucks too, maybe not as bad, but still out of range for most

It can work though. Living with my husband in a very rural area of a rural state, and it's going fine.
I think a lot about that "political landscape" part of the problem. It contributes to the brain drain that makes it worse. If you stay you still have a vote. You still have something of a voice if you want to try to make change. If you leave, you can maybe expect things to get worse in your absence (times everyone else who leaves for the similar reasons).

There's no easy answer there. I'd feel guilty leaving; I feel guilty or at least complicit (or worse victimized) staying.

My vote is not worth making my life actively worse, sorry.
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I was in the Seattle area for about 10 years and recently moved to the east coast.

I don’t recommend Seattle. Skyrocketing cost of living, increasing homelessness, and progressive politics that are real communism with local politicians saying we should nationalize Boeing and Amazon.

Did I mention crime? It used to be petty crime, break ins in vehicles, property damage, that kind of stuff.

Downtown Seattle is not safe for a woman to be alone, and especially not an Asian woman. There are several recent cases of Asian woman getting sucker punched or beaten with a bat at rail stations or public transit stops.

The city looks the other ways. Criminals get locked up overnight if at all and get let go the next day. When you add on to this the insane real estate costs and rising rents, it makes zero sense to live in Seattle.

Where do you suggest then? Both my partner and I have friends & family in that area, which makes moving across the country easier.
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Moved from LA to Berlin Germany in 2013, probably the best decision I ever made. What a city, it's full of nomads and the nightlife started up Thursday and didn't finish until most Monday mornings. Everything was better/cheaper with the exception of the government bureaucracy. Would recommend it for anyone in their twenties.
But 5 months out of 12 (from November till March) it gets dark at around 3-4pm... which is quite depressing in my opinion.
It's only depressing if you make it depressing. I personally love it and it makes summer feel even better
Not to worry, the lights are always on inside the local bars and nightclubs, well in some of them anyway.

Everyone goes out, I met my tech company boss and his wife queuing outside a nightclub one time, and both of them dressed in leathers and dog collars.

I moved from Sydney, Australia, to France. Cost of living (the way I live anyway) halved, gained access to remote jobs from around Europe and USA - would recommend!
Did you speak French before the move? And did you have a job/sponsorship lined up as well?
My existing job transferred me over to a French company we had, and I learned French via Alliance Française for two years before the move.
How was the visa process?
Going through it at the moment - seems more annoying as a partner of a French person, seems like talent passport would be easier.
all my friends are here, what am I gonna do after moving to another area…. at least not now I think
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I really think friends won’t last long, you might change your opinion in the future… I don’t know
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but i do think if you really like this kinda area then you should consider west coast
Yes, I did this. Moved from the big apple to a small city to raise a family and spend my weekends fishing, kayaking, and skiing. I love the outdoors so this was always the right move for me.
My family just moved from Austin back to Michigan where my wife and I were married. We discussed other lower-COL areas but we had been in Austin close to 10 years and so have many ties to the area. Our choices were basically 1) stay in Austin and just figure something out WRT increasingly impossible rents 2) move back to Michigan where we also have a support system or 3) move to some third place where we have no support system whatsoever.

1 and 3 both seemed depressing, though for different reasons, so we picked 2. It's also a tough move, but seemed the best option available.

Is Austin expensive? There was a period a few years back when it was viewed as an affordable, up-and-coming startup hub.
It's expensive yes, but moreso home prices are accelerating. We have been saving for a home, but prices go up faster than the rate our down payment fund was, and we'd still probably be looking at something in deep Georgetown, most of an hour's drive from the city in a brand new development in what used to be cow pasture, with nothing to walk to and no trees taller than us. Also, all our friends were similarly scattered around the metro so it was difficult to ever see them anyway.

Instead we're closing next week on a beautiful cape cod in a nice neighborhood that we could pay cash for if we wanted (we're still taking a mortgage for other reasons but strictly wouldn't need to). Our children can walk to school, we have friends and family nearby, and generally we can just live without constant worry about the housing market because the majority of our wealth is not tied up in a pile of sticks and drywall that we bought for the equivalent of ten years' wages.

I've been in Austin off/on since around 2013.

Back then it wasn't much worse than areas in Ohio I'm familiar with (Columbus, Cincinnati).

Constant rent/tax hikes/passed on costs has made it worse.

It's not quite as bad as say San Fran/LA, but it's not what I'd call affordable either

My family moved from LA/OC back to Cincinnati where I grew up. It's been outstanding for us so far. We get a much nicer place to live, a support system, and a great environment for the kids.

IMHO the telework revolution just destroys the value of high cost of living cities. There used to be a cool culture factor in places like SF but I feel like a lot of that has now been priced out, so you're just paying out the nose to live in a glorified office park.