SPEAKER_00: 0:03

Hello everyone, and welcome back to Be Global, the podcast by Global Citizen Solutions, where we explore global mobility, lifestyle choices, and what it really takes to build a life beyond borders. My name is Eleanor, and as we kick off our new season in January, today's episode focuses on one of the most important and personal and subjective topics in relocation: quality of life. We'll be diving into the quality of life dimension of our global passport index, exploring what really shapes people's decisions to move abroad, not just on paper, but in real life. Because when someone stops being a visitor and starts building a life in a new country, the experience changes in ways that aren't always obvious to begin with. To guide this conversation, I'm thrilled to welcome the un-retirees, Dawn and Matt, who bring the lived experience behind this topic, what it looks like to choose a new chapter abroad, navigate trade-offs, and redefine what retirement and starting over can mean today. This is a conversation about what people think they're moving for and what truly matters once actual life begins. So let's get into it. Hello, Dawn and hello, Matt.

SPEAKER_01: 1:22

Hello. Good to be here.

SPEAKER_00: 1:24

Hi, thank you so much for having us. Thanks for being here. So to start off, uh Dawn and Matt, known as the Young Retirees, thanks for accepting our invitation to Be Global Podcast. In your perspective, what does quality of life mean in 2026?

SPEAKER_02: 1:38

Well, for us, we really think about it in two buckets. First of all, is the peace of mind quality of life, right? These are things like do I have healthcare? Do I feel safe? Is the cost of living aligned in such a way that I'm not up in the middle of the night wondering how I'm going to pay my bills? And so for us, that's the first bucket. It's the reason why a lot of people move abroad, especially from the US. But once those are settled, then I think we start thinking in the second bucket, which is then I can start asking some of those bigger questions, which is what does community look like for me? What is contribution and meaning look like for me? Where do I feel most free to pursue the things that are important to me at this stage of life? And that's going to look different for everybody, but for us, it's really that two-step thing is first, I want to make sure that I'm good, I'm at peace, I can sleep at night. And once we have that quality quality quality of life on lock, then we can start to ask bigger questions. And in our opinion, that's where the really exciting stuff starts to happen.

SPEAKER_00: 2:45

Thank you very much. How has that definition changed compared to 10 or 20 years ago?

SPEAKER_02: 2:52

I think for us, we think about this in life stages. So it's all about priorities, right? 20 years ago, our priority and our idea of a high quality of life was we have a good job, we live in a good school district, we're on an upward trajectory. And 10 years ago, at least for us, our priority was all about getting our kids through college. And so now that we are successfully on the other side of all of those things, we're starting to ask much different questions, much more different questions about what quality of life could look like. And it was really those questions that we started asking a few years ago that led to us moving abroad, where we realized that based on what is important to us now, what our priorities are now, that really our highest quality of life was somewhere other than the US. We weren't mad at the US, we don't hate the US, nothing like that. But we just found objectively, based on what was most important to us right now, that we had a better opportunity to get a higher quality of life in Europe, in our case in Portugal.

SPEAKER_00: 3:56

Thank you very much. So you describe yourselves as the un-retirees. But why did the traditional idea of retirement no longer fit?

SPEAKER_02: 4:05

Well, I think that traditional retirement is still a valid path. We like to say we love retirees, some of our best friends are retirees. Um, but we think that there's a growing segment of people between, say, the ages of 45 and 65. And these are people that are empty nesters, um, but they are still in the job market, whether that's by necessity or by choice. And I think that for this group, they are in this job, they've sort of hit the height of their career already, but they still have five, 10, 15 years in the job market. And so they're starting to look around and they're starting to ask, is this it? What's next? Do I really want to spend the next five to 10, 15 years in this seat at this desk, in this commute? And I think that a growing number of people in this age range are starting to ask the question, what else is out there? Could this look different? And we understand that because a few years ago we faced those same questions. And that's really when we started to look at this time of life very differently. How can we have the best of both worlds? How can we continue to earn, continue to build our financial nest egg, but at the same time live out our dreams of traveling the world, living abroad, and doing some things that matter. We didn't want to wait until retirement, we didn't want to wait until we were too old, until we didn't have the same level of health to start enjoying those things. And when we discovered that there was actually a way that you could have the best of both worlds at this age, it changed everything for us. It changed how we view aging, it changed how we view um all kinds of things. And so I think the great joy of the work that we do is having that light bulb moment go off for other people when they say, wait a minute, do you mean there's a different way that I could live this stage of life? And again, that's when things get really exciting.

SPEAKER_00: 6:04

Thank you. What is it? That that kind of answers my follow-up question, which was what have you noticed in your line of work? Do you find you're you're influencing people and people are realizing and you're helping them discover a new way of life? Because you've got quite a serious follow following your YouTube channel, The Unretirees.

SPEAKER_02: 6:24

Yeah, we find so many people who say, um, I didn't know this was possible. How could this be possible for me? What I mean, people are just now waking up to this, and this is what we're finding. And we're actually even finding people who retired early or retired at a yeah, retired early, who say to me, I wish that I knew this was an option before I retired, because study and statistics show that there are some negative impacts to traditional retirement. Again, it works great for some people, but for other people, they start to feel isolated, their health starts to suffer, their mental cognitive ability starts to decrease. And so I think that this is just something that people are starting to realize I want to continue to contribute, um, but I want to do it on my own terms. I want freedom over my time and my schedule. I want freedom over my location. I want to, I want to live and work wherever in the world suits me. And I want to continue to build a freedom uh financially. And that looks different for different people. For some people, the idea of financial freedom is an extra$1,000 a month for other people or a thousand euros. For other people, it's a much bigger number. Um, but the idea that you can have time, location, and financial freedom and continue to earn and continue to contribute because we talk to so many people who absolutely love their career and love their work. And they just really want at this stage of life on the other side of kids and college and and and soccer games, um, they want to enjoy more of life also.

SPEAKER_00: 8:02

Thank you. I'm wondering if it's um rejuvenating in a way. You relocate, you unretire later in life. Is that working for you? You're both looking great, by the way. Sorry the listeners can't see.

SPEAKER_02: 8:18

Thank you so much. I say this all the time, and it's a hundred percent true. I have not been this excited about life since I was in my 20s. And I want to say that doesn't mean I was unhappy at other stages in my life, but in your 20s, you feel like the world is open and anything is possible. And being unretired, we feel especially living abroad, we feel like the world is open and anything is possible because we didn't make the decision to retire early and live on a limited budget and continually have that worry of will the money last? You know, will we have enough? Um, instead, we have opted for a plan which feels like the world has more possibilities and more options than ever before. And it truly does. And it's the internet that changed all of that because remote work and online business is so prevalent, and we see so many people in their 20s taking advantage of this. But people in this age range are just starting to wake up to the fact of, oh, I can take that 30 years of expertise that I gained in my career and I can actually do something with that, but on my own terms. And um in that way, we're seeing more and more of that. We see that over 50 is the fastest growing entrepreneur group. They are statistically much more successful at startups, they have a higher success rate. Um, and so we are really just at the beginning of this wave, um, but we are seeing again so many people wake up to it and so many um data points to support that this is true. You know, I think it was Forbes that just had the um an article just the last week or two that said side hustles are now mainstream financial planning, part of mainstream financial planning for later years. So all of this is really just starting to um build, and more and more people are getting excited about it.

SPEAKER_00: 10:14

I'm excited. Thank you. I'm excited. I'm I'm right in that um age group which begins to unretire, um, 45. So I'm I'm going to take a page out of your book, I think. Okay, so why are people relocating right now, from what you're seeing today? What's driving people to relocate, especially at this stage of life? So you you mentioned people are noticing, but do you know what their motivations are?

SPEAKER_01: 10:43

Yeah, we think about this in three ways. One is adventure, right? And this is certainly for us the reason that we moved. I think for most people, adulthood, especially if you have children, is putting the interest of somebody else ahead of your own, right? Your employment, your location, the home you live for, live in, the entertainment that you choose, the way you spend and save money, all of it is with some other purpose in mind. Uh and when you find yourself with uh as empty nesters, suddenly you have a chance to do what you've been wanting to do, to take the adventure that you've been deferring for years. And for us, we had always wanted to live in Europe. And when we felt we had an opportunity to do it, we didn't want to miss it. Right. And so adventure uh was one. The second we think about has to do with costs. I mean, if you're coming from the US, and I know it's different for different countries, but if you're coming from the US, most places in Europe that attract expats have a cost of living that's substantially below most major and mid-sized US cities. So you have a chance to make your dollars go further, even or either saving money or to enhance your lifestyle without spending additional money, which is exactly what we did. I mean, the house that we bought here compared to the house that we own to the United States, similarly priced, but located uh in Nazare, right where the ocean is. We can see the ocean, it's awesome, right? We, you know, so we felt like we had a big upgrade in our lifestyle without having to spend an extra dollar. Uh and a third reason, and we I don't want to uh overstate this, but third reason I think has to do with anxiety and divisiveness that uh uh that is occurring in many countries and certainly in the United States. I mean, for several countries like the US, there are important issues that have polar opposite sides, and far too many people think there's no room to merely disagree with others on these issues. And so there's this divisiveness that honestly creates an a level of anxiety in people. And I think by moving, you remove yourself from that uh uh from that uh uh that sense of of overwhelming or uh uh encompassing, all encompassing anxiety. And I think it just moves it to a back uh moves it to a back burner. It doesn't disappear. Obviously, we still are aware of what's going on in the United States. We still have uh concerns and views about what's going on, but the fact that we are now removed by thousands of miles makes it uh not a thing that is part of our everyday life and experience. So I think those are some of the reasons. Adventure, costs, lifestyle, and anxiety is sort of some of the reasons.

SPEAKER_00: 13:24

Of course, thank you. Well, speaking of um, I imagine, because you're not as consumed by the news, uh it's like you're like you're on a little holiday, except that it's not a holiday, it's a new way of life. Um, but that gives you distance, which is probably quite calming as well. We've seen in the Quality of Life um report that we've just published by our Global Intelligence Unit, where our academics were researching on various data sets from the UNDP to the OECD to the Happiness Index, the Peace Index, and so on. Um the top performers were European, the Nordics, kind of one overall on quality of life. Faith in their institutions was a big thing, um, sustainable practices, green living. For those reasons which were the indices that we were measuring against, um Sweden came out on top. Portugal didn't do too badly. The US uh dropped several points as one of the biggest, uh not one of the biggest decliners, because there were bigger ones, uh, but mostly, you know, African countries uh struck by a coup, or uh Monaco, interestingly, also dropped considerably in quality of life, uh, congestion, and and um so if that that could be of interest to listeners, they can go and have a look at the full quality of life report on the Global Citizen Solutions website under the Global Intelligence Unit. But what people mean and miss when they say quality of life, because again, there are various different data sets. What do you think people mean by quality of life?

SPEAKER_01: 15:22

Aaron Powell Yeah, well, I think looking at your report would be a good place to start as you think about the categories of things to consider. But quality of life on an individual basis means different things to different people. Uh and uh, you know, for us, we wanted a place that was safe, with good health care, that was ideally near a beach with a modest cost of living compared to the US. Other people may define quality of life as a you know, big city and having access to amazing restaurants and lots of cultural activities without really a concern of the costs, right? So I think it depends on each person. And I think when you roll that up, the quality of life study gives you good categories for you to be thinking about. But what you know, you may weigh each of those categories very differently than the overall study may weigh them. Uh and so I think that that's uh I think that that's a useful, a useful thing. Um in terms of the things that people miss when thinking about quality of life, I tend to think about two things, or we tend to think about two things. The first is taxes. Right. So one of the things that we are frequently saying to people who are considering to move is to make sure that they are speaking with a tax professional who understands not only the tax issues of the country that they're in, but the tax issues of the country that they're considering and how they meet and overlap. Uh, all too often people will move because like they'll move to Portugal with the idea that it's a lower cost of living. But Portugal has a substantially higher tax rate than it does in the US. So if you're coming from the US and you have income, you may find that your tax your tax burden is much higher here. And that is something that you're not expecting. Now, there are ways to mitigate that, and part of that is why you want to talk to a tax professional before you ever move is to set up ways, if you can, to sort of structure your life here to manage your tax burden as much as you can. You may not be able to, it may still be high, and it's still for many people worth the trade-off. Don't get me wrong, taxes are just one part of the equation, not the whole equation. Uh, but it certainly is worthwhile knowing what you're stepping into. The second thing that people often overlook is the importance of community. Now, when you move to a new location, uh, you know, for most people, they're jumping into a place where maybe they have uh a spouse or a partner that they're coming over with, but it's just you or you too, right? And and you're trying to figure out all of these things, this new world, and and in your first several months, you are, I don't want to say overwhelmed, but certainly your job is to is to figure out how things work, not only to get electricity going, but to find furniture and to figure out where to buy housewares and to figure out what grocery stores have the things that you want, and to uh and to find a doctor and to find a dentist and to do all the bureaucratic stuff that you need to do, regardless of the country that you move to. Right. So so these are things that just basically take up your time. But after you sort of have managed most of those things, you realize that it can be a very lonely thing to have moved to a new country, separating yourself from all your friends and families that you may have had from where you came from. Uh and you need to decide that, and we did our second year, we needed we made a decision that we are going to make this the year of building community. And um, and we really put an effort out there to try to build friendships and and create uh relationships with people. Now it's much easier if you're in an area where there are expats, because almost like college, where people in college go from all over, but they don't know anybody, it's a new environment. It's a similar thing. Expats move into a new country and they don't know anybody. However, they have a lot of commonality with other expats who have moved to that. So, like in Nazare, there is a fabulous uh expat group uh here in Nazare that um that you know they share referrals and they go out and they you know have a good time. And frankly, a lot of our relationships that we that we have, we met through that, through that group, or we've met you know through sort of friends of that group. Uh and so uh I think I think it's easier to make relationships with other expats. It is a little bit of a challenge, of course, uh especially if there's a language barrier to uh to build a similar relationship with uh with uh Portugal, uh in our in our case, with Portuguese-speaking people. We are struggling with the language, we are learning the language, uh, and uh they already have uh a life experience here and a whole set of friends here and a whole set of relationships here. Honestly, they don't need us as much as we need them. And the expat, you know, working with expats, of course, building relationships with them, each each party needs each other. So it seems to it seems to work a much uh much better, but it still is an important part of becoming part of that culture and part of that community to to start to build your network beyond just the expat community. So you people will find I'm surprised, but Facebook groups are amazing, they are amazing. There are so many Facebook groups for expats in any country that you want to go to and in almost any uh mid-sized city that you may want to go to or larger, that you know, you can find people, they have events, and and so I think if you are considering moving into uh uh uh a new location, try to find an expat group on Facebook, uh, join that group, ask questions, well, read through some things, ask questions that you want to ask to sort of make sure that you understand as best as you can from a distance what life is like there, what the challenges are there. Uh, but it's really a very valuable resource.

SPEAKER_00: 21:21

I would agree. I I found that when I was posted over 20 years, I was a reporter and I was posted in different countries. Every time I try and remove myself from Facebook, I'd find myself back on to reach out to people and say, landing in Rio for six months, anyone here. It was incredibly useful besides marketplace, et cetera. So, what makes a place truly age friendly for you?

SPEAKER_01: 21:46

Well, um, I think about, you know, certainly people our age, um, as you get older, you start thinking about uh high quality and accessible health care. So you want to be in a place where you have access to Uh to those things. And certainly most places within Europe have generally high quality healthcare. And that would be true here in Portugal. It's generally part of the government assistance plan for all residents, which is certainly true here in Portugal as well. And it's accessible. And so we think that's part of it. Another part to help make things age-friendly, I think, is reducing the dependency on cars. Now, in the US, we're very car dependent, other than if you were happen to live in New York City, for example, you can avoid having a car. But in most other places, you have a car and spend a lot of your days in cars. And uh and I think depending on where you decide you want to move, uh, you can choose a location that reduces your car dependency. For us uh in Nazare, well, we do have a car, and there are times that we're glad that we have a car. The reality is that for most of our daily activities, we can walk. We can walk to the grocery store, we can, you know, walk to restaurants, we can walk down to the beach, we can walk for everything that almost everything that we need. Uh, and so reducing our car dependency, I think, is an age-friendly thing. Uh, and then one of the other things that I think is important for age-friendliness has to do with uh with a community having a span of ages. One of the things that we like about Nasare is that there's kids in school and families and uh and you know, career-minded people who are trying to figure out their life. And then there's early retirees and older retirees and and elderly people, which I wouldn't consider myself yet. But uh, you have the span uh and of of ages, and I think that that is exciting because it uh you, you know, I I guess I would not I would not personally do well if I lived in a community that was only 55 or 60 plus, because I think that starts to make your world smaller. I think one of the ways that that having a big span of ages uh around you helps make your world bigger. And I think that's an important part of keeping active and mentally challenged and purposeful as you age.

SPEAKER_00: 24:06

I love that. Thank you very much, because um I hear also one of the trends for 2026 is um in just travel generally, is multi-generational options. So that's clearly a thing as well that people and certainly something I found in my line of work. If I was only interviewing people in between the ages of 45 and 65, I often didn't have access to their parents, to their kids, to their wives. And it was very strange existence where you go for, you know, six months in a country, in my case, only seeing uh people my age and not uh younger or older, which I felt meant I was lacking as well. So I understand that very well. Um what are the biggest misconceptions about cost and belonging?

SPEAKER_02: 24:58

Well, I think um I think there's a lot of misconceptions about cost and cost of living. Um in a lot of we could go in a lot of different directions with this. I think one, two things that we talk about quite often when people ask us about moving abroad is that it seems to be, you know, this big flag that a lot of um, you know, expat content waves about lower cost of living, lower cost of living, lower cost of living. It is not a small thing to move abroad. So even if there's a low cost of living when you get there, it's a significant investment to move abroad. Now there's always stories about um people coming with one suitcase and making it work, but um, but there are costs like moving your pet, moving your stuff, replacing your items, and um, all of that should be factored in. And we always tell people to build in a 10 to 20% variance because whatever you, you know, we we create budgets based on how things work in our home country for us, um, for example, in the US, and then you get to a new country and you realize things don't work as we thought that they did. And so um, I'll give you an example from our own life. We had a trip planned here to close on a house before we moved here, and as we were getting on the plane, the deal fell apart and we had to find another place and we had to build in another trip coming back. So I think that's one. Another thing is that um, I think there's a misconception that people move abroad because they can't afford retirement in the US, and that's not true. You'll see a lot of content about, you know, live here for a thousand euros or less. But the truth is, and I think this is an important note, is that people are moving abroad for all types of reasons, and money is just a part of it. It is, you know, better quality of life, or, you know, as Matt said, the adventure. So, you know, there are people coming here and renting 700 euro apartments, and there are people here buying million-dollar homes on the golf course. It's a wide range. But I think coming over, one of the things that is always important to be mindful of and respectful of is that we come with American mindset about money, but many countries, Portugal, certainly, where the minimum wage is, I believe, something like 800 euros per month. Um, not everybody has those resources. You are in a culture where people don't generally have those resources. And so it requires a few things, I think. Number one is just um, it requires a humility and a willingness to be a student in your country. Um, a student of the culture, a student of the norms, a student of generational mindsets around money. Um, I think we all know the sort of the stereotype of the expat coming over and saying, wow, everything is so cheap. And um, and I've probably done it, but just being mindful and asking more questions and understanding that your reality isn't the reality of everyone in the country you're moving to. And so just to be respectful, be humble, be a student, ask questions. And I think that part of that, a way to do that, as Matt touched on earlier, is just the importance of learning a language, which is, you know, being willing to be wrong and look foolish every single day of your life. That's my that's my uh explanation of learning a language in a new country and part of being a student. And I think the other thing is just being involved in the community, not living, you know, isolated in expat bubbles. We talked about the importance of, you know, meeting other expats, but not living in a bubble. The more that you contribute in the community, the more that you serve your community, um, the more you're going to learn and know and build some of those relationships that are important for not just being in a country, but actually living in a country and understanding it.

SPEAKER_00: 29:04

That's very interesting. I often say I feel like it's a good idea to act like a guest in someone's house when I'm in another country. And normally we're more lenient with um, let's say, new homes or second homes than we are with our own countries. So long may that last. So to Portugal as a top destination. It consistently appears, Portugal consistently appears as a top destination for retirement in our retirement report um released in July this year as well. Over 180 countries were compared for this quality of life report. From your lived experience, what's genuinely working and what should people be realistic about?

SPEAKER_01: 29:51

Well, I think one of the things that generally works is that you know, daily life works really well here. So um, you know, it's really easy to forget that you're actually in Portugal or that you are in a new country. Um, you're just living your life. You know, you're going to the grocery store, you're going to the doctor, you're you're working at your desk, you're, you know, you're doing the things that you do. Uh, and then you look out your window and you see the ocean, you say, Oh my gosh, that's right. I'm here in Portugal. This is kind of amazing. So, you know, it's not as if uh I think that so what's working well is I think that, you know, life that you live on a daily basis is likely not going to be all that different from life that you live on a daily basis somewhere else, other than the fact that your context is incredible, right? And and that you're able to walk out your door to incredible things or drive a short distance to incredible things, or you know, see just see just incredible things that otherwise you weren't part of. So I think that the daily life, the simplicity of the daily life, I think works really well. And for us, and I think for many people who move who are unretired or un-retetirees, uh, you know, part of that has to do with starting a business and managing that business in a new country. And I think uh uh if you surround yourself with the right people in Portugal, it's actually quite easy to do that and to manage that. And there's certainly a lot of tax benefits to be able to do that as well. So I think that works well. In terms of what people should be realistic about, a couple of things. One is is moving locations, moving locations doesn't solve all your problems, right? I mean, if you've got situations or got things that you're dealing with, you're going to bring them along with you. And and being in a new location, it may change what you see and what you do, but it doesn't automatically solve, uh, solve problems. New locations doesn't solve problems automatically. Um, and so I think one of the things that we talk about with people is that it's important uh to not just be thinking about moving as running away from things that you don't want. You need to really define what you're running toward. You need to really define the things that you envision your life to be and make that exactly what you're going for as opposed to what you're leaving. I think when people decide that they want to move because they're leaving something without a clear picture or at least an idea of what they want, they end up in a new location, still unsatisfied because they're still them, they're still bringing themselves. They haven't defined what success is or what happiness looks like. And so I think that's an important part of it as well. One other thing that people ought to be realistic about, and I think you know, Portugal, I think it's a wrap for its bureaucracy. Um, but honestly, I think moving to any new country has an immense amount of bureaucracy associated with it. And uh and I do think, you know, Portugal may be slightly more or slightly less uh uh efficient than others, but uh, even if you were to move to the most efficient country in terms of bureaucracy, you still would have matters around visas that you'd need to care for, matters around your driver's license that you need to care for, matters around renewal and all these other things that you need to care for, all of which happens when you first land. And so it feels overwhelming when you first get to any country, and certainly to Portugal, that you've got all these things that you need to take care of. But if you think about it, wherever country whatever country you're coming from, and certainly for us coming from the United States, we had decades to do that. We got our social security numbers when we were, you know, when I was like eight. I got my driver's license when I was 16. You know, you sort of think about all of these things that now we have to do all in this in this short period of time. So that makes it all feel overwhelming, but it's it's only because it's compressed time, I think. So, but the bureaucracy is a thing that you need to be realistic about, need to be flexible with. You know, one of the things that is true is that the governments can change the way that they view uh their appetite toward uh bringing uh or enticing uh immigration. And, you know, certainly one of the things that Portugal is wrestling with right now is whether the pathway to citizenship is five years or 10 years. It's currently five years, but there's discussions around moving it to 10. And as a non-citizen resident, you find that you have to just be flexible, that governments need to do what they feel like they need to do for their citizenry. And, you know, believe it or not, I'm not the main character in Portugal. And so they get to decide, they get to decide what it what makes sense, and I have to react to respond, uh, respond accordingly. So I just need to be flexible, or we just need to be flexible in terms of in terms of how we re-react to that. So I think that's an item that also people should be realistic about.

SPEAKER_00: 34:56

Thank you very much. That's very kind of you. Patience isn't one of my virtues, so but um I do realize and and agreed that uh we have a lot of content uh team writers who are consistently updating whatever legislation from all the countries around the world that have retirement visas or digital nomad visas or entrepreneur visas, and things are consistently changing. And as we know in the US, Trump's also introduced a gold card. So everybody's playing uh that game, and obviously the goalpost keeps changing depending on development priorities for each country. Um so that, yeah, it it it things do change. Um but uh thank you very much for that. And I found your second point as well, in terms of knowing what you seek when you're relocating or unretiring to a new location, um, is very important. It's the classic, you know, send the universe clear messages and it will work for you. But if you don't know what it is you want, certainly the country won't know how to help you. Right. That's right. So thank you. Thanks so much for joining us on this episode of Be Global, the podcast by Global Citizen Solutions. A big, big thank you to the young retirees, Dawn and Matt, for bringing such an honest and practical perspective on what it really means to build a new life abroad and what changes once you stop being a visitor and start living day to day. If there's one takeaway from today, is that quality of life isn't just a ranking, it's a combination of priorities, trade-offs, and real life experiences that look different to everyone. If you enjoyed this conversation, make sure to subscribe to Be Global and feel free to share this episode with someone who's considering a move or exploring what their next chapter could look like. I'd also suggest going to check out the Young Retirees YouTube videos that I found immensely useful. Thank you. You can also learn more about the Global Passport Index and the quality of life dimension and Global Citizen Solutions by visiting our website and following us on social media. Thanks again for listening, and we'll see you in the next episode.