Musings about early retirement with no fixed address
Zagreb is a lively place for a city of fewer than a million people. Not just a stopover for those trying to get to the beach, Croatia’s capital offers numerous attractions. The downtown pedestrian zones were busy with shoppers, strolling tourists, and cafe goers of all sorts. We enjoyed the large daily farmers market, detailed architecture, multiple parks, and sweeping views from the hills above the city.
After a month in Belgrade, I can confidently say that Serbia’s capital is a great stop. I expected it would be a busy, dirty city full of ugly buildings. Instead, what we found was a very livable place filled with friendly people and dotted with beautiful parks. While exploring, we walked down numerous shaded streets lined with cute cafes. There were spring flowers planted everywhere. We even got our “pet fix” from the neighborhood cats, many of whom were happy to be on the receiving end of our love.
Novi Sad is a friendly city strategically placed on the mighty Danube. It has a long history, with records showing that people have inhabited this spot for 7000 years. Today, the city is Serbia’s second largest, with a population tallying a little under 300,000 people. It’s quite pleasant to explore, with dedicated car-free pedestrian zones and many separated bike lanes. It’s also one of the current European Capitals of Culture, so naturally Katie and I had to see what that was all about.
We just finished a great 3 month stay in Budapest. The city is quite charming and has many of the things we look for in a place to live. There is lots of green space, plenty of museums, interesting architecture, and street art galore. Even the day-to-day living costs were much lower than we expected. Budapest is an easy city to fall in love with.
2021 was our second full year as retired nomads, and much like the previous one, COVID made things challenging. Our travels took us to just two countries. We lived for months next to a Vietnamese beach that we weren’t allowed to visit. In the US, we crashed in spare bedrooms and slept outside in a tent for 30 days. Many of our plans revolved around avoiding people, receiving three doses of the new vaccine, and staying healthy. All were successful in that regard. We also managed to spend very little money again, albeit not without the generosity of our family and friends.
Danang represents all of the good things about living abroad. It’s a modern city showcasing a beautiful, clean beach with soft sand that stretches for miles and miles. The city is big enough that it’s easy to find most modern amenities, but small enough that there’s no overwhelming traffic issues. It’s also walkable with low pollution by SE Asian standards. This package comes with a surprisingly low price tag too. Overall, Danang is quite pleasant and I hope to never return.
Even if you’ve never heard the term selection bias, you likely already have a grasp of what it means. It’s a staple of our current culture and social media use. People love to post pictures from their great vacation or fancy restaurant meal, but rarely do you see the bill. Cute kids and sleeping dogs are also more fun to share than their crying and barking alter egos. This can easily lead to the idea that other people are living some perfect life, devoid of the challenges that we all face. Therein lies the bias. You only see the selected information instead of the full data set.
2020 was our first full year in retirement and everything went mostly according to plan. Ho hum, just another year in the books. I’m kidding, obviously. Instead, our resolve was tested, both mentally and financially. We learned way more than we ever wanted to know about coronaviruses and how they spread. And we received a stark reminder of all of the things that we normally take for granted, like freedom of movement.
The last time Katie and I stepped foot on US soil was on June 26, 2019 when we walked into LAX to board our flight to Asia. While we quit our jobs two months prior, leaving the country felt like the true start of our retirement adventure. Many hours later, we arrived in Bangkok ready to explore the world. During the last 12 months, we traveled through Thailand, Cambodia, Malaysia, back to Thailand, and then on to Vietnam where we’ve been grounded due to the ongoing global pandemic. Throughout these travels, we’ve spent way less than I anticipated. And while I post spending reports for each location, today I’m going to provide a summary of all of our costs by category instead.
When we arrived in Danang on March 11th, Vietnam was ramping up its efforts to control the spread of COVID-19. While the country had been taking the coronavirus seriously all along, things were becoming more urgent. PSA banners had been hung on light poles of every major street and daily announcements were made over loudspeakers. Restaurants, coffee shops, and other non-essential businesses were ordered to be closed. Shortly after that, masks were required in all public places, indoors and out.
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