When you’ve dedicated so many years to the workforce, you crave tranquility and minimal stress during retirement.

For some, a drastic change of scenery is just what the spirit needs. What environment are you looking for? A tropical setting where time moves slowly? A fast-paced, urban vibe? The countryside? There are so many choices- it’s just a question of what your needs are and how much you’re willing to spend.

In no particular order, here are 6 affordable countries to consider in your middle and twilight years.

New Zealand


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According to Go Banking Rates, “the country is treasured for its high quality of life and its friendly, happy people. It also has a pretty well-developed public health system.”

If “glacier-created fjords, subtropical forests, stunning Alpine vistas, sandy beaches and rolling, green hills,” sound like your bag, then New Zealand might do it for you.

The average monthly cost of living is $1,669.

Be sure to visit a few times to get a feel for the country first.


The average cost of living in Denmark in  2022 is $1,665.

The country is known for offering universal healthcare. The quality of life socially, economically and politically is pretty good.

CNN released a list of the happiest countries in 2022, and Denmark came in second behind Finland. Of the 10, the U.S. was nowhere to be found.

The Danish public transportation system is well developed. But if you want to work in that extra exercise, you’ll be happy to know that Denmark is a cycling hub. Especially Copenhagen.




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The country has some jaw-dropping scenery. It’s a great choice for the active and adventurous senior.

CNN reported, “with its stunning Alpine peaks and placid crystal clear lakes, Austria is the epitome of idyllic.”

And if you’re seeking “architectural grandeur and cosmopolitanism,” the capital city of Vienna has both.

The average monthly cost of living in Austria is $1,467.



If Asia is of interest, settle in Japan.

The average cost of living per month in 2022 is $1,171.

There’s a culture of respect and doing what is best for the whole, rather than just the individual.

Japan Junky explained, “it is not uncommon to see signs posted on buildings, reminding people to keep the area free from litter and trash, and workers keeping the streets and many train stations spotless. For the most part, yes, Japan’s streets are impeccably clean.”

Go Banking Rates reported, “Japan has a solid economic standing and a better-than-average public health system. Plus, its average monthly cost of living is quite affordable.”


Czech Republic


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English is the second most spoken language, especially in Prague. But you definitely want to learn Czech out of respect.

Free public healthcare is offered to permanent residents. There’s also private healthcare available.

The average monthly cost of living is $1,007.




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Believe it or not, it’s possible to retire in Portugal for $1,000 a month or less, depending where you look.

Fantastic climate, rich-history, fabulous seafood and beautiful beaches. What’s not to love?

Go Banking Rates reported, “although Portugal does have a public healthcare system, retirees will have to have private health insurance for at least the first few years until they become a permanent resident and are eligible for it.”