Yes, another AI topic created by WordPress. 😀 But they are valid so I keep going. Balancing Work, Life, and Retirement Goals? Retirement/future life is what we focus on. And the current life is just a means to an end.

Being immigrants to the US, we both have been blessed with the opportunity to work in America but do we call it home? How about another state? How about another country?

As a DINK couple, this topic always sparks our interest. We both feel ready for the day we stop working, but that moment is still a few years away. Recently, we hired a financial advisor to review our current situation and explore future options with us. Meanwhile, we focus on long-term planning, as we have clear goals that influence our present decisions.

Our financial advisor had to make some assumptions about our future earnings and financial growth. One key assumption is that we will continue living in the US, specifically California. As immigrants, we feel fortunate to work here, but do we truly consider it home? What if we moved to another state or even another country?

The idea of GeoArbitrage is something we fully understand. We know that living in places like Taiwan, Europe, or almost anywhere outside the US tends to be less expensive, allowing us to stretch our hard-earned dollars much further.

“By being willing to move around the country and the world, you can dramatically change your financial options. Costs of housing, food, insurance, medicine and all other day-to-day factors of life can change radically depending on where you live and which currency you spend in. Choosing lower-cost places to live lets you keep more of your income and savings, putting substantially more of that money back in your pocket.”

A few photos of Spain… such wonderful memories. Spain is truly an excellent option for our future life. With the NLV visa, like in several other countries, it’s possible to enjoy a similar lifestyle at a significantly lower monthly cost. Additionally, healthcare is generally much more affordable and accessible. And I haven’t even touched on health insurance expenses—that’s a topic for another blog post! 😉

Returning to the topic—how do we balance work, life, and retirement goals? The truth is, they don’t perfectly balance each other. We work to live, not live to work. The goal is steady, reliable work with enough vacation time to explore the world. A few years ago, my wife faced a choice: work longer hours for more money or accept less pay for more time to relax. She chose the latter, and I completely supported her decision. Her built-in vacations remind me to take breaks too—to pause, enjoy the sunsets and sunrises together while we still can. Right now, our focus is on nurturing our mind and body—staying positive, planning annual trips, and prioritizing health and exercise. Retirement goals are always in sight; we’re counting down the days until we retire and steadily working toward our dreams: achieving financial independence, downsizing and decluttering, and traveling full-time for as long as possible. More on these topics soon! 😀

平衡工作、生活與退休目標

是的，WordPress 又創造了一個 AI 主題。 😀 但它們確實有效，所以我繼續。平衡工作、生活和退休目標？退休/未來的生活才是我們關注的重點。而現在的生活只是達到目的的手段。

身為丁克一族，這個話題總是很有趣。我想我們倆都已經做好退休的準備了。但要做到這一點，我們還需要幾年時間。我們最近聘請了一位財務顧問，他將負責審查我們的近況，並與我們一起探討未來的發展方向。所以，在此期間，我們會盡量從長遠考慮問題——因為我們確實認為，我們設定的目標肯定會影響我們目前的想法。我們的財務顧問需要對我們未來的收入和未來發展做出一些假設。其中一個假設就是我們住在美國，具體來說是加州。身為美國移民，我們兩個都很幸運有機會在美國工作，但我們真的把美國稱為家嗎？其他州呢？其他國家呢？ 「地緣套利」的概念我們當然不會忘記——我們知道，除了美國，住在台灣、歐洲或其他任何地方通常都會更便宜，而且能讓我們辛苦賺來的錢發揮更大的作用。

「透過願意在全國乃至世界各地遷移，你可以極大地改變你的財務選擇。住房、食品、保險、藥品以及所有其他日常生活的成本可能會因你居住的地方和你使用的貨幣而發生根本性的變化。選擇成本較低的地方居住可以讓你保留更多的收入和儲蓄，從而將更多的錢放回你的口袋裡。」

幾張西班牙的照片……多麼美好的回憶啊！西班牙不僅僅是我們未來生活的理想之地。和其他幾個國家一樣，持有NLV簽證，人們可以過著類似的生活，每個月的費用還能大幅減少。此外，西班牙的醫療保健通常更實惠、更容易取得，我甚至還沒談到醫療保險費用。那是另一篇文章。 😉

回到正題－我們如何平衡工作、生活和退休目標？嗯，它們並非完全平衡。我們工作是為了生活，而不是生活是為了工作。我們追求更穩定可靠的工作，並擁有充足的假期環遊世界。幾年前，我的妻子麵臨一個選擇：要么工作更長時間賺更多錢，要么工作「更少」的錢，但有更多時間放鬆。她選擇了後者。我認為平衡也很重要，所以我完全同意她的決定。她工作中安排的假期提醒我，我也需要抽出時間，去聞聞玫瑰的芬芳，趁我們還能走路的時候一起看日出日落。目前的生活重點是專注於身心健康——保持積極樂觀，規劃年度旅行，並確保專注於自身健康和運動。退休目標始終縈繞心頭，我們數著退休的日子，並繼續努力實現一些既定目標——退休後經濟獨立、精簡生活/清理雜物，以及盡可能長時間地進行全職旅行。稍後再詳細討論這些話題。 😀