{"id":32091,"date":"2021-10-05T11:00:05","date_gmt":"2021-10-05T16:00:05","guid":{"rendered":"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/?p=32091"},"modified":"2021-10-05T11:00:05","modified_gmt":"2021-10-05T16:00:05","slug":"never-expected-retire-panama-living-comfortably-1200-month","status":"publish","type":"post","link":"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/never-expected-retire-panama-living-comfortably-1200-month\/","title":{"rendered":"I never expected to retire to Panama \u2014 but we are living \u2018very comfortably\u2019 on $1,200 a month"},"content":{"rendered":"

<\/p>\n

This couple moved from Florida without speaking much Spanish.<\/p>\n

Kris Cunningham never expected to be living in Panama. When her husband, Joel, started talking about retiring to Central America, \u201cI thought he had lost his mind.\u201d She didn\u2019t have a passport and had never been abroad.<\/p>\n

But after nine years of living in David, a city of 83,000 near the Pacific Ocean and close to the border with Costa Rica, \u201cwe are super happy here,\u201d the 69-year-old says. \u201cIt\u2019s worked out beyond my wildest expectations.\u201d<\/p>\n

\n

She learned Spanish, taught herself to play bass guitar and joined her husband\u2019s rock band,\u00a0 called Monkey Nerve, when the bass player moved to Colombia. She seems to fall into conversation with everyone, has biked from home across Costa Rica and into Nicaragua, and\u00a0blogs about her life<\/a>.<\/p>\n

Backtrack a decade. Cunningham was working in Florida as a visiting nurse, burned out but knew she and her husband, already retired from his home-remodeling job, couldn\u2019t afford to stay in Sarasota without a paycheck or her Social Security check. And even a reduced check was a few years away.<\/p>\n

\u201cWe were just working to keep our heads above water\u201d while she counted down the days until she could claim Social Security at 62, she recalled.<\/p>\n

At her husband\u2019s urging, they decided to check out Costa Rica and Panama. Costa Rica was pricier. Panama City wasn\u2019t a good fit \u2014 too much city. Boquete, in the mountains, is an expat enclave and didn\u2019t appeal. But David felt right \u2014 not too large, friendly and foreigners are integrated into the community, rather than living apart. \u201cIt just feels so free here, so relaxed, so not alone,\u201d she says.<\/p>\n

They ran the numbers and figured they could live off savings until her Social Security check kicked in.<\/p>\n

She took Spanish classes before leaving Florida, but her friends in Panama don\u2019t speak English. So she learned, even though it meant relying on a dictionary for the first four years.<\/p>\n

The budget<\/h4>\n

In Florida, the couple was spending $3,000 a month on just the basics, never mind clothes and restaurant meals. In David, it\u2019s between $1,100 and $1,200. Extra costs are minimal; they\u2019re not big restaurant goers, so it\u2019s mainly flights back to the U.S.<\/p>\n

They rent a home \u2014 3 bedrooms, 2 baths across 900 square feet plus a yard full of fruit trees \u2014 in a nice middle-class neighborhood for $385 a month, water and trash collection included. In Panama, it\u2019s the norm that an unfurnished house means you supply the refrigerator, the stove and the washing machine.<\/p>\n

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    This couple moved from Florida without speaking much Spanish. Kris Cunningham never expected to be living in Panama.<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[242,12,241,39,248,34,33,62,42,219,11,249,243,7,246,244,262,281],"class_list":["post-32091","post","type-post","status-publish","format-standard","hentry","category-news-articles-panama-perpsective","tag-boca-chica-real-estate","tag-boquete","tag-boquete-real-estate","tag-buenaventura","tag-casco","tag-casco-antiguo","tag-casco-viejo","tag-coffee-in-panama","tag-estate-homes-in-panama","tag-move-to-panama","tag-offshore-real-estate","tag-panama-offshore-real-estate","tag-panama-papers","tag-panama-real-estate","tag-relocate-to-panama","tag-rum-in-panama","tag-safety-in-panama-panama-real-estate-bocas-del-toro","tag-travel-to-panama-rent-in-boquete-expat-tourism"],"yoast_head":"\nI never expected to retire to Panama \u2014 but we are living \u2018very comfortably\u2019 on $1,200 a month - Blog and Newsletter<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/panamaadvisoryinternationalgroup.com\/blog\/never-expected-retire-panama-living-comfortably-1200-month\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"I never expected to retire to Panama \u2014 but we are living \u2018very comfortably\u2019 on $1,200 a month\" \/>\n<meta property=\"og:description\" content=\"This couple moved from Florida without speaking much Spanish. 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