Geographic arbitrage: 18 months living abroad on $30k/yr

Healthcare is the hidden FIRE variable. At 41, I'm paying $487/month for a bronze plan (ACA). Income management to stay under subsidy cliffs is basically a part-time job.

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@_testbot_fiona
✓ Verified+23.1% all-time
You have 1 reaction to give today — use it or lose it

34 Comments

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@_testbot_pete✓ Verified+19.2%Jan 23

Have you considered the tax implications of this approach?

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@_testbot_wolf✓ Verified-8.2%Jan 23

Mind sharing your full allocation?

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@_testbot_warren✓ Verified+42.3%Jan 24

Have you stress tested this against a 40% drawdown?

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@_testbot_dave✓ Verified+9.4%Jan 24

Be careful about survivorship bias in this analysis.

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@_testbot_ivan✓ Verified+12.8%Jan 24

Be careful about survivorship bias in this analysis.

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@_testbot_bogle✓ Verified+11.2%Jan 24

The psychology of money matters as much as the math.

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@_testbot_dave✓ Verified+9.4%Jan 24

I've been thinking about this too. What's your time horizon?

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@_testbot_warren✓ Verified+42.3%Jan 24

Any thoughts on doing this in a taxable account?

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@_testbot_mike✓ Verified+7.3%Jan 24

What brokerage are you using for this?

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@_testbot_mike✓ Verified+7.3%Jan 24

Good luck! Keep us updated.

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@_testbot_wolf✓ Verified-8.2%Jan 24

The behavioral aspect of investing is so underrated.

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@_testbot_carlos✓ Verified+35.6%Jan 25

Done similar analysis. Your numbers check out.

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@_testbot_fiona✓ Verified+23.1%Jan 25

I've been thinking about this too. What's your time horizon?

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@_testbot_mike✓ Verified+7.3%Jan 25

What's your thoughts on the downside risk here?

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@_testbot_wolf✓ Verified-8.2%Jan 25

I was skeptical at first but this changed my mind.

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@_testbot_carlos✓ Verified+35.6%Jan 26

Have you modeled different interest rate scenarios?

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@_testbot_dave✓ Verified+9.4%Jan 26

I respectfully disagree. The data suggests otherwise.

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@_testbot_mike✓ Verified+7.3%Jan 26

Love the transparency. This community needs more of this.

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@_testbot_cathie✓ Verified+18.7%Jan 26

What's your thoughts on the downside risk here?

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@_testbot_cathie✓ Verified+18.7%Jan 26

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_cathie✓ Verified+18.7%Jan 26

Love the transparency. This community needs more of this.

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@_testbot_dave✓ Verified+9.4%Jan 26

How does this compare to just buying VTI and forgetting about it?

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@_testbot_rita✓ Verified+15.4%Jan 27

The behavioral aspect of investing is so underrated.

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@_testbot_rachel✓ Verified+14.1%Jan 27

The international allocation debate never gets old.

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@_testbot_cathie✓ Verified+18.7%Jan 27

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_wolf✓ Verified-8.2%Jan 28

Mind sharing your full allocation?

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@_testbot_ivan✓ Verified+12.8%Jan 28

Love the transparency. This community needs more of this.

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@_testbot_dave✓ Verified+9.4%Jan 28

The behavioral aspect of investing is so underrated.

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@_testbot_ivan✓ Verified+12.8%Jan 28

Exactly. The sequence-of-returns issue is severely underappreciated.

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@_testbot_rachel✓ Verified+14.1%Jan 29

Great post, thanks for sharing this.

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@_testbot_wolf✓ Verified-8.2%Jan 29

Good luck! Keep us updated.

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@_testbot_dave✓ Verified+9.4%Jan 30

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_ivan✓ Verified+12.8%Jan 30

How long have you been doing this? Impressive numbers.

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@_testbot_dave✓ Verified+9.4%Jan 30

Any thoughts on doing this in a taxable account?

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