Next Horizon Insights
Where you live shapes how you live.
Thoughtful, investigative, evidence-based perspectives on relocation, retirement, slow travel, and designing a meaningful next chapter — not a blog, and not another listicle. The goal here isn't to sell you a dream. It's to help you ask better questions.
Retiring in Greece on $39,400 a Year: What You'd Actually Pay in Tax
Greece's 7% flat tax for retirees lasts 15 years and works anywhere in the country. For our example retiree that's about $2,750 a year, but a tough visa threshold and a 1950 tax treaty add real catches. Here's the math.
September 27, 2026
Retiring in Portugal on $39,400 a Year: What You'd Actually Pay in Tax
Same retiree, same $39,400 of US income: roughly $6,800 a year in Portuguese tax now that the NHR program has closed. Here's the math, why Portugal taxes US Social Security, and what changes with a large IRA.
September 27, 2026
Retiring in France on $39,400 a Year: What You'd Actually Pay in Tax
Same retiree, same $39,400 of US income: close to $0 in French income tax, because the US–France treaty leaves US Social Security and retirement plan income to the US alone. Here's how it works, what France does tax, and what changes with a large IRA.
September 26, 2026
Retiring in Spain on $39,400 a Year: What You'd Actually Pay in Tax
Same retiree, same $39,400 of US income: roughly $7,600 a year in Spanish tax under the tax authority's position, with a contested argument that could cut it to $1,600. Here's the math, the Social Security dispute, and what changes with a large IRA.
September 26, 2026
Retiring in Italy on $39,400 a Year: What You'd Actually Pay in Tax
Same retiree, same $39,400 of US income, two Italian addresses: roughly $10,200 a year in tax in a regular region versus about $2,750 in a 7% flat-tax town. Here's the math, the treaty rules behind it, and what changes with a large IRA.
September 26, 2026
Which Countries Don't Tax Your US Retirement Income
Eight countries on this site run territorial tax systems that generally don't tax foreign-source retirement income at all — regardless of the local tax rate. Here's which ones, and why the distinction matters more than any single tax rate.
August 16, 2026