My fascination and interest in the Philippines hasn’t lessened over the past months or even over the past year. In fact it’s become more keen over time. I’ve become an avid fan of various Philippine and expat vloggers and spend an inordinate amount of time watching them and their exploits, learning about the country and its culture.
Maybe this whole thing is just another pipe dream or maybe just a fad or phase I’ll outgrow. Or it could be something serious and meaningful. This is me noodling that out.
I’ve heard of people retiring overseas before, but haven’t known anyone who actually did it. I once had a co-worker who talked about his dad moving to Ecuador as an expat. That sounded like a really wild idea at the time. I have relatives who moved to Florida from Iowa, and that was about as close as I got to knowing expats in the family. I had bummed around Europe for 6 months out of high school, so having a passport and traveling overseas isn’t totally…erm…foreign. I also had a 2 week deployment in Honduras when I was in the Army Reserves, so I can check the box off being in a third world country.
But actually living in a developing country is an entirely different thing. So how did I get here? It was actually kind of an accident. Just surfing the youtubes as I am wont to do, and I came across a vlogger who had just gotten to the Philippines and was discussing about the social and financial aspects of living there. It got my interest, and I started watching a few more Philippine expat vlogs and it was as if an entirely new world of possibilities opened up to me. It occurred to me that this might solve some problems that had been vexing me for a long time;
1. Affordability/finances
2. Social context
3. Future
Financial
The central theme of this blog as been my awful, sad relationship/marriage and my various attempts to salvage it, live with it or somehow escape it. One of the biggest problems is that my humble paycheck, while it provides a comfortable living for our family, it is by no means extravagant. Dividing it in half in order to have 2 separate households would be financial Armageddon. And I still have a dependent person in addition to my spouse to consider.
SO, the first thing I noticed is that living in some of these expat communities was a LOT less expensive than living in the U.S. Many of these guys are living on their social security paychecks alone and still have money leftover. That would be a challenge in the U.S. even if you owned your house. If you don’t own your house and have to pay rent, you might have a place to live but you’re going to have to choose between electricity and food some months. Assuming your health is good. The average monthly social security benefit for retired workers in 2023 was $1905. The average rent in Mississippi for a bedroom of any size in 2023 is $1107. I’m looking at the average income and comparing to the average rent to a state with the lowest cost and you can quickly see where there might be some serious problems. It is true you can find rents at lower cost, but living on around $2000 per month fixed income is an incredible challenge pretty much anywhere a body might want to live in the U.S.
In the Philippines, rents have been going up over the past year, but not to the degree they are in the U.S. What you get in Mississippi for $1100 per month you can find in the Philippines for less than $500. Couple this with the fact that you don’t need to own a car to get around in the Philippines, and the savings start to stack up pretty fast.
The Philippines are literally half way around the world, though. It is true that there are comparable places much closer that could offer just as nice of a discount as far as cost of living. Ecuador, Costa Rica, Panama, Peru, Colombia are all places where a person can get a lot more bang for the their U.S. dollar. And I took a look at those places as well. The biggest problem for me is that mi espanol es muy terrible`. In the Philippines, all of the signage and legal documents are in English. No need for me to sharpen my Spanish, though it might still be helpful.
Belize is one place I strongly considered since English is also the major language of record there. However, it does not have the strong appeal because of my second consideration…
Social Context
I’m using this term because I’m not sure what else to put here. It just seems crass to put “Dating culture” there, because there’s more to it than that. But I can’t deny that a great deal of the appeal lies pretty squarely in the cultural and social context of their dating culture. Namely that an old guy who has even a modest pension is still considered a catch in the Philippines and that the reaction to big age gaps isn’t as crazy there as it is here. If the expat vloggers are to be believed, the young filipinas are are very keen to get themselves a foreign partner of any age. And I see quite a few guys who are pretty broken down in their 70’s somehow with a young woman in her 30’s or even 20’s! This seems incredible to me, so I’m keen to put that entire notion to the test. It’s for science. I would certainly be the test of tests for the idea that some musty, dusty and crusty foreign guy could find love in the Philippines.
It’s really difficult to undersell the draw this has for me, and the psychological boost that it gives. Until the point of encountering the Philippine option, I’ve grappled with what I could only describe as a very bleak future. Either remaining in a loveless marriage for the remainder of my days, or one of us calling it quits and being alone, growing old and alone and just wasting away until my days are spent. Either way, the sex is over, right? All done. I got to enjoy maybe 13 years of sex, most of it before marriage, before getting married and getting friend-zoned by my wife. Every day, I wake up with the full knowledge that I’m not going to ever be touched, hugged, embraced and kissed again. Passion is just a distant memory and something I get to watch on the internet. Until now.
Now, there is this distant hope. A glimmer of perhaps, just maybe getting a few more good and happy years where I can rediscover and perhaps live the life that I’ve missed. A chance to reset and start over. A chance to rediscover purpose. Sure, I’m not completely stupid; most of the younger filipinas aren’t stupid either. There is a certain transactional aspect to this where they get to escape the grinding weight of abject poverty in exchange for my second chance. A chance to really and truly live my last quarter of life. Which leads to…
The Future
When discussing the financial bit, I was discussing the conditions that a physically fit retiree might be looking forward to, providing they could afford the bare minimum. However, as a person ages, their needs change and alter and health becomes more and more the center of what will dictate how they live. SO, what does the endgame look like for all of you? What are those last few years going to look like for you as you get older and older?
Right now, I’m fortunate that both my parents are still alive but over time I see how they are spending more and more time traveling to more and more doctors. My mother, an ex-nurse, is spending more and more of her time being the caregiver for my father. This is a marriage that just celebrated 61 years, so they have a very rich history to draw from. They have a rich community of neighbors and friends and other relatives surrounding them who help look after them.
I don’t really have any of that. Last month, I had to go into the hospital for stomach pains that turned out to be a gall bladder infection. So I had surgery to remove that, and Arwyn sat with me in the ER as they did all the tests. But I’m under no illusions that she would be looking forward to being MY caregiver going into old age. And I’m not keen to be that sort of burden to my own kids. The Philippines actually has a retirement authority that has options for expats where one can have their own private caregiver or nurse at a fraction of the cost of a nursing home in the states. And nursing homes in the states are not exactly places a body would want to end up, except at the utmost of need. The Philippines offers private care on a tropical island akin to a Hawaiian resort. In fact, the Philippines is often referred to as “Poor man’s Hawaii.” So even if I proved the idea that an old coot like me could find love there, I could still look forward to a relatively higher standard of care for the last of my days compared to what I could afford in the states.
The Philippines has a relatively easy visa process. When you arrive, you automatically get a 30 day tourist visa, which can be extended almost indefinitely for up to 3 years. At the 3 year mark, you can simply fly out the country for a day and then fly back and then it starts over. But they also have some special retirement visas. For one, you deposit $10k in a bank account and then prove you have a pension or SSI of at least $1000. A second one is even easier, if you are a veteran your deposit is only $1500. I’ll have to look into that to see if my reserve duty would count but either way, it makes retiring there pretty easy.
The final part of the puzzle is as it relates to my oldest who is on the spectrum and has struggled mightily with finding his place. He really would like to be more independent and have his own place. While he is fairly independent in a lot of ways, in that he can cook and plan his own meals, he’s still going to need some intervention of some sort to help him out. He occupies a spot right exactly between needing extensive support and qualifying for SSI and medicaid and being so high functioning that he doesn’t qualify for anything and yet is unemployable. While the Philippines has some very real challenges, I could afford to support him and allow him more independence there, where public transportation actually exists.
There are cultural things though not as great as say, Malaysia. Malaysia has some of the same positives as the Philippines, including the English language. However Malaysia has a culture based and steeped in Muslim culture, compared to the Catholic culture of the Philippines. The Christian culture is also another definite draw for me compared to other Asian countries. While English is official and commonly taught, its still not commonly spoken by natives to each other, so there is still a language barrier of a sort. And the heat and humidity are also factors and something that might take some getting used to.
When it comes to affordability, language and culture the Philippines definitely fits the bill and gives me something to look forward to. I still need to get the passport and get my feet on the ground in order to see if I really like it. But I honestly think I’m ready for another adventure.