077 Dan Prescher: No U-Hauls Behind Hearses

0:04
welcome to fun with annuities with your

0:06
host me stan the annuity man america's

0:09
annuity agent can annuities be fun can

0:12
contractual guarantees be fun

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absolutely they can find out the brutal

0:17
facts about annuities with no sales

0:20
pitches or high pressure nonsense just

0:23
the brutal and factual annuity truth

0:25
which is all you need to hear

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let's have some fun with annuities and

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let's have that fun start right now

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[Music]

0:39
welcome to fun with annuities i'm your

0:41
host stan the annuity man america's

0:43
annuity agent licensed in all 50 states

0:45
boy am i excited with for today's guest

0:48
his name is dan prescher and he is

0:51
part of an organization magazine

0:53
actually i call him an organization

0:54
because they do a lot

0:57
in the space of

0:59
seniors and retirees moving abroad

1:03
their website is international living

1:05
dot com which i'll have on my website

1:07
obviously there'll be a permanent page

1:08
for dan on that so you can go and look

1:11
at his stuff but let me give you a

1:12
little bit of background about him he's

1:14
a graduate of the university of nebraska

1:16
omaha and the university of iowa side

1:19
note my wife of 33 years is from

1:21
rushville nebraska which is as i say if

1:24
you know it's not the end of the world

1:26
but you can see it from there um

1:30
since starting international living in

1:32
2001 um he and his wife suzanne have

1:35
lived and worked in seven locations

1:37
throughout the world mexico panama

1:39
nicaragua ecuador

1:41
etc and have explored dozens of more

1:43
countries like brazil and argentina

1:45
colombia belize costa rica honduras

1:47
ireland france thailand i can keep going

1:50
but you get what i'm what i'm talking

1:52
about um i think right now and i'll

1:54
verify this with him that he they're

1:56
permanent they're they're

1:57
residents of mexico at this at this

1:59
point of the podcast taping so look at

2:02
the date

2:03
um

2:03
but he

2:04
they also provide a lot of webinars and

2:07
really good information on their site i

2:08
was on their site last night it is one

2:10
of the best websites i've seen

2:12
international living.com if you have

2:14
ever thought about

2:16
visiting going living trying it out

2:19
internationally this is your this is the

2:21
place to go um they've written two books

2:24
one's called live richer spin less and

2:27
the other is the international living

2:29
guide to retiring overseas on a budget

2:32
those can be purchased on their site or

2:33
in amazon etc

2:35
um without further ado

2:38
let me introduce fellow guitar player

2:41
dan pressure hey dan thanks for joining

2:43
me

2:44
my pleasure stan good to see you man i'm

2:46
looking forward to seeing your guitar

2:47
collection

2:49
yeah i mean you know there's a bunch of

2:51
us frustrated guitar players people

2:52
always say well stan where do you play

2:54
like in a room alone

2:56
that's where i play in the basement in

2:58
the basement um

3:01
people

3:02
people are probably my listeners on this

3:04
uh podcast are like wait a minute we

3:05
talk about money kinda yeah we're

3:07
talking about money and lifestyle and

3:09
just as a a premise to what we're

3:11
getting ready to jump into

3:13
my

3:14
clients and the people that follow this

3:15
podcast

3:16
they know a couple of my sayings one of

3:19
them is there's no u-hauls behind

3:20
hearses

3:22
and that means let's live for the day

3:24
you can't take it with you and if

3:26
covet's done one thing for all of us out

3:28
here it's made us realize the fragility

3:30
of life and that you might want to live

3:33
today like you're dying tomorrow i don't

3:34
want to be you know brutally

3:36
fatal but everyone knows what i'm

3:38
talking about and if you have a bucket

3:40
list i'm going to tell you to pull it

3:42
out because because we're going to talk

3:44
about it today dan and stan are going to

3:46
talk about your bucket list and if you

3:47
don't have one get out a pen

3:49
so with that

3:51
um

3:52
give us kind of an overview of

3:54
international living

3:56
and how it all kind of works from the

3:59
standpoint of people retiring getting

4:01
ready to retire already retired sure

4:04
sure

4:05
i i want to make sure that everybody

4:07
knows susan and i started with

4:10
international limiting in 2001 but it

4:12
was gone 20 years before that so it's

4:14
this this that's right it's 40 years

4:17
it's been over years that's right that's

4:19
right well you know dan

4:21
i'm just going to call you the go-to

4:23
person because for my people

4:25
you're going to be the go-to person

4:26
they're going to say i want to talk to

4:27
stan for annuities and dan for

4:29
international travel so it's the stan

4:31
and dan show and you're you're

4:33
absolutely right it's a lifestyle thing

4:35
and but lifestyle as you know lifestyle

4:38
and finance are in intimately connected

4:41
you can't really tease the two apart

4:43
sure and 40 years ago

4:46
uh international living's premise was if

4:48
you were living on a fixed income if you

4:50
were getting social security or pension

4:51
of some kind and you wanted to make it

4:53
go as far as possible you'd move to some

4:57
place where your cost of living was

4:59
significantly less than where you were

5:01
living then and

5:02
it turns out that there are dozens and

5:05
dozens of places around the world that

5:07
are absolutely beautiful exotic

5:10
uh

5:11
we think of them as paradises beach

5:14
mountains you name it where you can live

5:16
for significantly less than you live

5:19
uh in north america and what

5:21
we've started to kind of call that

5:23
lifestyle arbitrage you know

5:26
if i love you to have a certain amount

5:28
of money each month and you could move

5:30
tomorrow to a place where it costs you

5:31
half as much to live you've doubled the

5:34
value of your resources

5:36
so

5:37
that's really just the premise that's

5:38
what that's what we've been doing for

5:39
the last 40 years showing people where

5:41
those places are

5:43
how to get to them how to choose the one

5:44
that's right for you how to do that

5:46
whole thing successfully

5:48
um one of the things that hit me when i

5:50
was doing some research on what you guys

5:52
do

5:53
is

5:54
you don't have to go all in

5:56
you can test the waters

5:58
um you can test it in a myriad of ways

6:00
one of the ways that i think is

6:01
fantastic

6:03
is dan um is is typically the mc and

6:07
host of their they do some webinars

6:10
um and some seminars etc that will kind

6:13
of get you acclimated to what the the

6:15
premise of moving overseas but i think

6:18
um you would be the first one to say

6:20
don't go all in don't don't fall off the

6:22
cliff as i call don't be a jimmy cliff

6:24
you know tiptoe into it do some research

6:27
explain that process of

6:29
hey let's look at it let's me and the

6:31
wife me and the spouse look at this as

6:33
an option

6:34
and then make our decision how do they

6:36
how do my clients and listeners tiptoe

6:38
into that

6:40
the international living website as you

6:42
mentioned is a great place to start it's

6:44
broad and it's deep so you can you can

6:47
start doing a lot of research there and

6:50
research is really the key

6:52
you want to start by ruthlessly

6:54
profiling yourself and deciding what

6:56
you're looking for what you can do

6:58
without what you can't do without

7:00
because honestly moving to another

7:02
country another culture another

7:04
financial system is not for everybody

7:06
you have to have a little

7:08
um

7:09
taste for adventure uh a little urge for

7:13
challenges because it you will find a

7:15
different challenge every day when you

7:16
move to a country that's using a

7:18
different currency and a different

7:20
language

7:21
but

7:22
that we found is what keeps a lot of the

7:24
people we know that move abroad young

7:27
facing those challenges staying light on

7:29
your feet you you have to be engaged all

7:32
the time

7:33
and being engaged with

7:35
a beach in panama or a mountaintop in

7:38
ecuador or

7:39
uh you know

7:42
a valley a mountain valley in costa rica

7:44
that's good engagement that sure that

7:46
freshens you up it keeps you young but

7:48
you have to ask yourself honestly is

7:50
that what you want

7:52
uh for a lot of people the devil they

7:54
know is much more comfortable for them

7:56
and they they don't want to move away

7:57
from that but

7:59
man if you ruthlessly profile yourself

8:01
say you know i would like to live at

8:03
about 5000 feet in a place where i don't

8:06
need heating or air conditioning where

8:08
there's public transportation so i don't

8:09
need to own a car where the health care

8:11
system the public health care system is

8:13
good enough to meet my needs

8:16
and there's an expat community that i

8:18
can interface with those are the boxes

8:20
that i need to take off what countries

8:22
match those

8:23
requirements

8:25
and then go there and see how you feel

8:27
like you say you don't have to sell the

8:29
farm and and jump off the cliff

8:32
go there and stay for a month two months

8:34
six months as long as you comfortably

8:36
can to find out what it's really like to

8:38
live there you'll get a gut feeling

8:40
about it and that's what you got to go

8:41
by one of the things that you said a

8:43
couple of things that i wrote down that

8:45
you said that i think was

8:46
just very good

8:48
is it's not a pass fail thing you know

8:51
to go either part-time or full-time and

8:53
you can become what you called

8:56
um in an interview i saw with you a

8:58
serial relocator

9:00
which i thought was fantastic

9:03
because

9:04
people that manage money and that have

9:07
done a good job checking the boxes and

9:09
getting to a point where they're going

9:10
to live the lifestyle that they want to

9:12
live

9:12
it's hard for them to do this type of

9:14
hard pivot

9:16
um

9:17
because they have the grandchildren and

9:19
i believe i heard an interview with you

9:20
and your wife talking about you know you

9:22
come back and see the grandchildren etc

9:25
i think it's important for the listeners

9:26
to understand we're not talking about

9:28
hey let's move from iowa and we're going

9:30
to move to ecuador and that's it no

9:33
you can

9:34
you can instead of going on the vacation

9:37
going on an extended vacation to see if

9:39
that's right for you

9:41
and say listen we're going to live

9:43
next year six months in ecuador and next

9:45
year six months in panama etc do most

9:48
people do that or do people go all in

9:50
and then go to panama fall in love with

9:52
it and become a citizen

9:54
it's a very mixed bag it runs the gamut

9:58
my wife and i right now have a charming

10:02
seven-year-old daughter here in the

10:03
united states we were visiting her when

10:05
covet hit and that's why we're still

10:07
here we're in we're actually in omaha

10:09
nebraska i'm talking it from here that's

10:11
god's country baby we can't wait

10:14
to get back offshore because winter's

10:17
coming on yes and omaha nebraska is the

10:20
most wonderful place on earth to live

10:22
six weeks out of the year it's not a

10:24
garden spot in the in the winter there's

10:26
no doubt right right

10:28
but

10:29
you're right

10:30
we're part-timers now because we're

10:33
we're we want to be a part of our

10:35
granddaughter's life so

10:37
we'll go to

10:38
uh ecuador for three months come back

10:41
we'll go to merida where we're

10:43
registered as a permanent residents

10:45
permanent mexican residents for six

10:47
months and come back that's perfectly

10:50
possible to do you know more about the

10:52
financial side of that than i do because

10:54
you got to have your ducks in a row you

10:56
have to have your finances arranged in

10:58
such a way that you have that

11:00
flexibility and you're not breaking

11:03
financial ties or trying to re-establish

11:05
financial ties every time you move

11:07
that's perfectly possible to do it's not

11:10
uh it's not difficult it just takes some

11:13
special skills and some special

11:14
considerations you need a little bit of

11:16
specialized knowledge to do it but if

11:18
you have that knowledge man you can

11:21
you can live abroad part-time you can

11:23
live abroad full-time you can be a

11:25
serial relocator live full time in

11:27
ecuador then move to panama then move to

11:29
mexico

11:30
we know people who have two or three

11:32
places around the globe and just rotate

11:35
them all year long depending on the

11:37
season depending on how they feel and

11:39
those other two places can be making you

11:41
money while you're not living there you

11:42
know you can get some return on

11:43
investment depending on how you want to

11:45
play your interest real estate uh your

11:48
your rentals

11:50
it's a mixed bag and and you can put

11:52
together a really nice lifestyle that

11:55
doesn't cost you a lot of money

11:57
and i'm excited because

11:59
internationalliving.com is a 40-year

12:01
resource

12:03
they just didn't start this overnight so

12:05
people have always asked me in the past

12:07
i've never had a good answer until today

12:09
which is

12:10
i'm thinking about x because i knew

12:12
someone who went over to this country

12:14
and i never had a place to say okay

12:16
go here because on your site which i one

12:18
of the things i found really interesting

12:20
was you have a calculator that you can

12:23
put in and then put in the country and

12:26
figure out cost of living because most

12:28
people say well that sounds great stan

12:30
the annuity man

12:32
but you know what's panama cost what's

12:34
ecuador cost what's thailand cost

12:37
you have a calculator and i'm big on

12:39
calculators because if you go to my site

12:41
at the annuityman.com you can run quotes

12:43
and you can see what income streams are

12:44
going to be

12:45
in u.s dollars you have the calculator

12:48
for international living

12:50
that involves money which i think is

12:52
fantastic because there's really no

12:54
guesswork in other words how far will my

12:57
money go

12:58
you have provided that real time 24 7.

13:01
which is great speak a little bit about

13:03
the calculator that you have on your

13:05
site at internationalliving.com

13:08
it it is a a broad and fairly blunt tool

13:12
because as you know no matter where you

13:13
live on the globe you can spend as much

13:16
or as little as you want it depends on

13:17
the lifestyle that you want

13:19
these are general um

13:22
cost of living figures that we get from

13:25
our correspondents who are living in

13:26
these countries from the people that we

13:28
talk to

13:29
information that we gather off

13:32
government lists things like that

13:35
this is a lot of the information that we

13:36
use in our global retirement index as

13:38
well

13:39
we just crunch as many numbers as we can

13:42
and you come up with kind of a general

13:44
good quality cost of living where you're

13:47
not living in a multi-million dollar

13:50
seaside place or a shack down in the

13:53
valley you're living a great lifestyle

13:56
you're having good medical care uh

13:58
unfortunately most of these places have

14:01
uh

14:02
very good national healthcare systems

14:04
that people can take advantage of

14:07
and

14:08
you can find out

14:09
which of these countries meets your

14:12
needs depending on how much you're

14:13
retiring on if you're getting

14:15
uh if you and your spouse are getting

14:17
2400 bucks a month from a social

14:19
security uh payment

14:21
what country matches

14:23
the

14:24
that

14:25
that financial need for you and pushes

14:28
the rest of your buttons gives you the

14:29
weather that you want uh lets you settle

14:32
in easily takes care of your health care

14:34
needs all of that ties together it's not

14:36
just about money

14:38
what we don't want people to do is

14:40
consider themselves economic refugees

14:42
and just realize you know

14:44
we can't retire in the united states or

14:46
canada anymore it's been

14:48
our our ideal retirement we've been

14:51
priced out of it in the united states

14:52
and canada we need to go someplace where

14:54
it's really cheap to live

14:57
and you can certainly do that but if

14:59
it's a place that you don't like if it's

15:01
a place that you don't get a good

15:03
feeling about

15:04
you're just an economic refugee and

15:06
you've made a mistake we see we see a

15:08
lot of people who regret making that

15:10
move just for financial reasons it's got

15:12
to be from the heart too it's got to be

15:14
from the heart it's got to be a

15:15
lifestyle play always tell people you

15:17
know as i said there's no u-hauls behind

15:19
herself i really believe that should be

15:20
the international living saying

15:24
with the logo on the t-shirt but um

15:26
you know i do have every single year a

15:28
handful of clients that that make this

15:31
move

15:32
um and for a lot of reasons a lot of

15:34
them just don't want to watch cable news

15:36
anymore and i'm saying that's a pretty

15:37
drastic way to do it but instead of just

15:39
turning the tv off but i understand it a

15:41
lot of people are tired of everything

15:43
that's going on here and they want to

15:45
chat you know i always tell people

15:47
retirement is chapter two

15:49
of your life so what do you want chapter

15:51
two to look like what i want this

15:53
podcast to do is put a little seed in

15:56
everyone's brain of hey

15:58
this is a possibility and now i have a

16:01
resource at internationalliving.com that

16:03
i can go to and trust and i have a

16:05
contact there

16:07
that can be my sherpa

16:09
to get me there tell me about the

16:11
consulting services or how far do you

16:14
help a person

16:16
uh with the or do you have people that

16:19
if someone called up or you contacted

16:21
listen i'm really

16:22
you know it's like they call me they say

16:24
i i want to i want an annuity i want a

16:26
lifetime income stream standing annuity

16:27
man tell me the best one to get because

16:29
i trust that you're going to tell the

16:30
truth

16:31
same question to you i want to possibly

16:34
test living overseas for a few months or

16:36
six months what does that process look

16:38
like

16:40
we don't as far as i know uh have any

16:43
paid concerns services that will take

16:46
you in hand and tell you

16:48
this is what you have to do this is how

16:49
much money you need this is where you

16:50
need to go and this is your timeline

16:53
everybody is different okay everybody's

16:56
situation is different we

16:58
at the conferences they email we always

17:01
get the people who say

17:04
they'll give you their entire financial

17:06
background and then say what should i do

17:08
with my money that's somebody else's job

17:11
yeah that's my that's that's my job uh

17:13
that's what you do so in essence and

17:15
people that are familiar let me

17:16
interrupt real quick dan people that

17:18
that work with me is we provide all the

17:20
information and then let you make the

17:22
decision on your terms in your time

17:24
frame based upon all that information

17:26
that we provide it sounds like that's

17:28
what's happening at international living

17:30
correct exactly exactly okay we we try

17:33
to provide that firsthand information

17:35
from people who are doing it right now

17:37
from people who have already done it you

17:40
can contact those people and

17:42
i i want to go ahead and broaden the

17:44
research universe for this whole

17:46
international living thing because now

17:48
with facebook with instagram with

17:51
bulletin boards

17:52
you can talk to people in any community

17:56
any place on earth who are north

17:58
american expats living the life right

18:00
now in real time i mean

18:02
i could get on here now and get on a

18:04
facebook group from merida mexico and

18:06
ask where i can find

18:08
um

18:10
the right size phillips screws

18:12
right you know if i if i want to do a

18:14
do-it-yourself project somebody there

18:16
knows and they will answer me

18:20
you can get that kind of information

18:22
instantaneously lifestyle information

18:24
people are happy to share that kind of

18:26
stuff

18:27
we

18:28
we like to call that and get the most

18:31
dependable information that we can the

18:33
most actionable information that we can

18:35
people who have been doing it for a long

18:37
time and point people in the right

18:38
direction but the decision

18:41
to pull the trigger and actually make

18:43
that move is somebody's personal

18:44
decision

18:45
like you say

18:47
there's really no failure i mean if you

18:49
if you move to a beautiful country for

18:51
six months and decide it's not for you

18:52
and move back yeah you're the wiser for

18:55
it i mean you've you have more life

18:57
experience you've had a happy six months

18:59
you know more than you did before you

19:01
really can't fail at this thing you can

19:04
you can approach it in the wrong way

19:06
you can limit your chances of doing it

19:08
successfully for the rest of your life

19:10
if that's what you want to do

19:12
but hey if you want to if you want to

19:14
retrench like susan and i if you decide

19:16
that uh you want to give kotakachi a try

19:19
and then you want to live in san miguel

19:20
de allende for a while you know what

19:22
panama city doesn't look too bad you can

19:25
do that it's that affordable to live in

19:28
some of these places where you're not

19:29
sacrificing a lot of money to make a

19:31
move

19:32
and i always tell people take shots in

19:33
life take shots you might not you're not

19:35
you're not going to make them all but

19:36
you're going to make some and taking the

19:38
shot as part of the process one of the

19:40
things your your wife said suzanne that

19:42
i i saw in a previous interview in my

19:44
research

19:46
she's talking about moving out of your

19:48
comfort zone which can be a good thing

19:50
but part of that moving out of your

19:52
comfort zone that people feel a little

19:54
bit hesitant about

19:55
is the safety and stability of the

19:58
countries and and some of the

19:59
misinformation that's out there one of

20:01
the things she said that i thought was

20:03
very poignant was

20:05
you know international living is not

20:06
going to point you to a place that they

20:08
wouldn't have their mother live in

20:10
and i thought that was very good can you

20:12
expound upon

20:14
that

20:14
comfort zone safety stability that for a

20:18
lot of people and most of my clients

20:20
they can afford to do this

20:22
okay the question is can we should we

20:26
um will we

20:27
you know um

20:29
what i'm hoping this is going to do is

20:32
is people list this podcast and go you

20:34
know what

20:35
you know what to your spouse this might

20:37
be something we look at we might not do

20:40
but we look at let's talk about safety

20:42
and stability of these kind of these

20:43
countries

20:45
that's one of the big benefits of trying

20:48
a place out first getting your boots on

20:50
the ground before you bust a permanent

20:51
move right um

20:54
let's just take the example of quito my

20:57
when my wife and i first started working

20:58
for international living we moved to

21:00
quito ecuador we were there

21:02
there for a couple of years and i sent a

21:05
picture back to my mom of the place

21:07
where we were living and she said what's

21:09
with the barbed wire and barred windows

21:12
and i didn't even notice it i'd you know

21:14
i'd been on the ground for a couple of

21:15
months this just became part of the

21:17
scenery yeah and i asked a local friend

21:20
about it and he said you know here

21:23
we don't

21:24
uh call the police if something happens

21:27
we don't leave our doors open we don't

21:28
leave our windows open we don't wait for

21:30
somebody to break in and call the police

21:32
we keep our stuff secure right because

21:34
here

21:35
if you don't take care of your stuff if

21:37
people see that you aren't taking care

21:39
of your stuff

21:42
it's not really a crime to come and get

21:43
it

21:44
and that's just one of the cultural

21:46
things that we had to get used to you

21:48
know got it if you have a lot of stuff

21:50
in a country where there is poverty and

21:52
there's a lot of poverty around the

21:54
world

21:55
um not taking care of your stuff is an

21:57
invitation for somebody to come and

21:59
liberate it from you so it it will get

22:02
made better use of but there's a part of

22:04
me that that's thinking to myself

22:06
it's kind of a forced minimalization

22:08
and a direction and you know we live in

22:11
a materialistic world

22:13
and it's it's one of those things where

22:14
you don't you know i know this is hard

22:15
for me and you to grasp but you don't

22:17
need 20 guitars you need one

22:20
um and that's always a hard concept for

22:22
me to grasp it um we were talking about

22:25
this just yesterday about about

22:27
minimizing a little bit yeah we all need

22:29
to do that everyone's nodding their head

22:31
in unison like oh my gosh we've

22:33
accumulated so much i think probably one

22:35
of the things uh going overseas is you

22:38
realize you don't need as much

22:40
life doesn't demand you to have that

22:43
susan and i

22:44
reached a point living in ecuador up in

22:47
kodakachi in the mountains there's a

22:48
little leather crafting village of about

22:50
7 000 people

22:52
and there's a nice little expat

22:53
community there we lived in about 900

22:56
square feet in a beautiful condo that

22:58
overlooked the mountain valley

23:00
everything we owned

23:02
was within 20 feet of us and if we

23:04
needed to bug out we could put

23:07
everything that was valuable to us in

23:09
two suitcases and go we could get on a

23:11
plane in 90 minutes

23:13
and go anywhere we wanted to do and that

23:15
felt good didn't it seriously didn't

23:17
that feel good to have to have it that

23:19
compact from a life standpoint and i'm

23:22
assuming because you have it that

23:24
compact it makes you focus on things

23:26
that actually matter

23:28
like the people that you meet the

23:29
experiences that you have not the stuff

23:32
that you get

23:33
uh happiness depends on um

23:37
your relationships and the people that

23:38
you know and the activities that you do

23:40
not on the

23:41
i won't show you all the crap that's

23:42
filed around here off camera but that's

23:45
not where your happiness is your

23:47
happiness is in your situation the

23:48
people you know and the things you do

23:51
and

23:53
the great side benefit of living like

23:56
that in ecuador was that we could save

23:59
money

24:00
i mean

24:02
every payday we were working from there

24:03
we were working remotely we can do our

24:05
job from anywhere on the planet we're

24:07
lucky enough

24:08
to have an online job where we can we

24:11
can fulfill our work obligations with an

24:13
internet connection

24:15
we were paying so little overhead almost

24:17
nothing for for

24:19
uh utilities and taxes nothing for

24:22
transportation

24:24
uh we didn't have to buy anything it was

24:26
cheap to eat out we weren't acquiring

24:29
stuff

24:30
we saved money

24:32
every month and we did that for years

24:35
that was

24:36
i missed that um

24:38
as much as i love the united states i'm

24:40
gonna digress a little bit here sure

24:42
it's

24:43
it is

24:44
the most convenient place on the planet

24:46
you can get anything you want anytime

24:49
you want with a phone call or the click

24:51
of a mouse button the rest of the world

24:53
isn't necessarily like that there are

24:55
some things you have to do without and

24:56
that's okay that's okay

24:59
that's absolutely okay that's absolutely

25:01
okay and the the expats that have the

25:03
best time

25:04
find a way

25:06
to make their own half and half if they

25:08
can't find the brand of half and half in

25:10
the freezer they want they find a way to

25:12
roast their own red peppers if they

25:13
can't find exactly the can of roasted

25:16
red peppers they want on the shelf

25:17
amongst the 12 other brands

25:21
those are the things that expats get

25:22
good at doing and it adds to your

25:24
quality of life i think i mean it makes

25:26
you

25:27
it makes you a um it makes you a more

25:30
engaged person with your surroundings

25:32
and i think that most people listening

25:34
and watching to this because you know

25:36
we're on all major podcast platforms and

25:38
we're only we have a youtube channel as

25:40
well that people are watching to see us

25:42
interact and see you know how good

25:44
looking we are dan the dan and stancha

25:46
but um

25:48
exactly

25:49
but i think most people are going to be

25:51
looking at international living.com and

25:53
going there and considering retirement

25:56
travel instead of

25:58
um just looking at good retirement

26:00
travel instead of retirement relocation

26:03
even though retirement relocation

26:05
is a sub is a offshoot of retirement

26:08
travel right but in essence what we're

26:10
really talking about is redefining

26:12
retirement

26:14
right because that's absolutely right

26:16
you you talked about retirement being

26:18
the second stage of life well there now

26:20
there's another stage after that

26:22
and a lot of people just aren't retiring

26:24
anymore they're retrying their lives i

26:26
mean very good if you if you

26:29
are in the workforce and you get to

26:33
58 62 to that point

26:37
used to be i mean

26:39
several decades ago by that time you

26:40
were used up your job may have just

26:43
taken such a toll on you that all you

26:44
could do was sit in your rocker that's

26:47
what i feel like now dad i feel all used

26:49
up

26:50
you know

26:52
that's not the case anymore i mean

26:53
people now

26:55
are looking at retrying something do you

26:57
do you want to write that book do you

26:59
want to open the art gallery do you want

27:01
to run the bnb that you always want it

27:03
to run do you

27:04
do you um do you want to have a

27:06
considered service where you move to a

27:08
place

27:09
get into the expat community and help

27:12
other people come and do the same thing

27:14
there are lots of people doing that

27:16
do you want to get an online job and

27:19
move to czechoslovakia or ireland and

27:22
and work from there and keep making

27:24
money but do it online you want to

27:26
parlay your life experience into a

27:28
consulting business right

27:30
all of that is possible now so

27:32
retirement has has changed for everybody

27:35
and

27:36
finding out what it is

27:38
what retirement's going to be for you

27:39
and where you want to do it is going to

27:41
be a big step in life now it's not and

27:43
it's not going to be the last step

27:46
it's just another one and for the

27:47
listeners and viewers i'll just tell you

27:49
a couple of stories and i've been in the

27:50
financial services business for three

27:51
decades but every single year i'll have

27:53
calls from people that

27:55
will say um boy i wish i would have done

27:58
this um you know you know me and the

28:00
wife planned and planned and planned i

28:01
worked and worked and worked and now i'm

28:02
not feeling good and now i can't do it

28:05
and and i'm hoping this podcast will be

28:08
impetus for people to say

28:10
you know what i need to go do this

28:13
and it's not my nature it's not who i am

28:15
it's not the the planning box checker

28:17
plotter that i've been

28:19
but you know what let's go try this

28:22
let's go

28:23
let's let's travel and then see if it

28:25
works and if it works we might stay

28:27
longer and i would tell people to say

28:30
instead of taking the two-week trip

28:32
start with the two-week trip and then

28:33
take the month trip and then stay for

28:35
three months and then stay for six

28:36
months and try things

28:39
um because at the time of this taping

28:41
covet is wreaking havoc

28:43
and as on a side note i've had two

28:45
personal friends dive covered recently

28:48
that are in their late 50s early 60s and

28:50
i will guarantee you

28:53
that you know the the there was no

28:55
bucket list check off for them and i'm

28:57
encouraging the reason i wanted to have

28:58
you on is not because we always talk

29:00
about money and money shouldn't be the

29:01
center of anyone's universe but money is

29:04
a tool to live better

29:05
and um you know you're talking about the

29:08
benefits of

29:10
traveling overseas the possibility of

29:12
living overseas longer than you thought

29:14
and maybe even retiring overseas

29:17
but the key word is trying and starting

29:21
the process what do you think are the

29:23
biggest hurdles for people to make that

29:26
leap and how would you

29:27
um

29:28
recommend them overcoming those hurdles

29:31
there's a

29:33
there is a tendency for people to

29:36
fantasize about retiring or

29:39
living part-time

29:40
in places where they've had great

29:41
vacations

29:43
and there's nothing wrong with that but

29:44
a vacation is a vacation and actually

29:46
living there is completely different

29:53
we think it's really important to live

29:55
in a place or stay in a place long

29:57
enough

29:58
to realize what it's like after the

30:00
vacation is over you know if you want to

30:02
live in ambergris key in belize

30:05
i've learned to dive there it's one of

30:07
my favorite places on the planet

30:11
you have to stay there long enough to

30:12
find out what it's like to get your

30:14
utilities hooked up to get your phone

30:16
service done to to pay your internet

30:18
bill

30:19
to get mail brought on the island to get

30:22
the things that you need and do that

30:24
during off season when the hurricanes

30:27
are coming when the bugs are bad right

30:29
every place on earth has an off season

30:32
and if you want to really try out a

30:34
place and find out if it's right for you

30:36
go there during the off season and stay

30:38
there for a month

30:40
and try to get your business done there

30:42
you know try to try to pay some bills

30:43
from there try to

30:45
try to access your money from there try

30:47
to start a bank account there and you

30:50
refer to that you refer to that as

30:52
experiment and experience yeah which i

30:55
think is important and i think actually

30:58
to keep our brains alive and clicking

31:01
and firing on the cylinders we need to

31:03
do different things we need to get out

31:06
of the daily plotting of life of what we

31:08
do

31:09
um there's a horrific stat out there i

31:11
think is horrific most people never

31:13
leave the county they were born in right

31:15
you know but the people listening to

31:17
this podcast and watching this youtube

31:19
channel

31:20
they have the option of doing something

31:22
different with their life um one of the

31:25
things that you covered in a previous

31:28
article i read was about

31:30
assisted living because a lot of my

31:32
clients are in that age group they're

31:34
they're they're thinking long-term care

31:37
they don't want to be a burden on their

31:38
children and their and their families

31:40
can you address assisted living

31:43
situations in other countries because i

31:45
think that's a box that for my box

31:47
checking people out there that they're

31:48
going to want to say hey what happens if

31:50
i get sick what's the assisted living

31:52
like over there can you address that

31:54
sure

31:55
susan

31:57
susan and i have spent most of our time

31:59
in latin america

32:00
from

32:01
as far down as argentina to all the way

32:04
up into mexico

32:05
and

32:06
in latin american countries

32:09
families take care of their elders

32:12
that's just a cultural thing grandma

32:14
lives at home

32:15
and ages in place

32:18
if if the family can't take care of her

32:20
anymore they bring people in to do that

32:23
and lat in most of latin america it is

32:26
so affordable to get qualified

32:28
in-home care that a lot of expats do the

32:31
same thing they age in place in san

32:34
miguel de allende or ajijic south of

32:36
guadalajara or puerto vallarta wherever

32:39
they are

32:40
by bringing in qualified in-home health

32:43
care

32:44
aides

32:45
it's incredibly affordable much more

32:47
affordable than trying to do the same

32:48
thing in the united states

32:50
now mexico realizes that that is a good

32:54
business model there are now established

32:58
tertiary and end-of-life care facilities

33:02
in northern mexico all along that border

33:04
so people can come back and forth visit

33:06
their relatives and take advantage of

33:08
the cost savings of going to mexico to

33:10
do this

33:12
there's also an entire

33:14
lobbying group that is trying to get

33:17
medicare

33:19
to qualify their payments abroad so that

33:22
if you if you want to take advantage of

33:24
medicare in panama or in costa rica or

33:27
in mexico you can do that right now you

33:30
can't do that

33:31
um

33:33
we

33:34
don't recommend giving up medicare and

33:35
moving away from it and and just cutting

33:38
that tie

33:40
it's probably the best insurance deal in

33:42
the united states and staying in the

33:44
system we think

33:46
can be crucially important later on

33:50
half the people who reach the age where

33:52
they are looking at the end of their

33:54
lives will stay where they are and get

33:56
in-home care or or use the facilities

33:59
where they are the other half will go

34:01
back to familiar territory they'll

34:03
they'll move back to their hometown

34:04
they'll move back to their families

34:06
absolutely nothing wrong with that

34:08
that's that's a valuable strategy

34:11
what you're saying is there's options

34:13
overseas absolutely absolutely

34:16
there are options everywhere it just

34:18
depends on

34:20
what your needs are and as you say those

34:24
needs will change

34:25
i mean

34:26
five years from now susan and i may be

34:28
talking an entirely different strategy

34:30
our health care needs may change our

34:32
family needs may change um

34:35
so nothing about this is written in

34:37
stone which i think is one of the

34:40
one of the things that keeps us

34:43
i keep using the word

34:45
on our toes but vibrant you

34:48
[Music]

34:50
these challenges and overcoming them

34:53
feels good it's it's a good thing to do

34:55
it's a good way to engage your brain

34:58
totally agree with that and i think

35:00
that's that's one of the benefits if you

35:01
wanted to just write down the benefits

35:03
of that is it it keeps your brain moving

35:05
um

35:07
interesting question that hit my head as

35:08
you were talking about that was just

35:11
how do how are people treated overseas

35:15
being a united states citizen coming

35:17
overseas are we the evil

35:19
rich people that are coming over there

35:21
to to or are you treated well and with

35:24
respect

35:27
every expat

35:29
i know

35:31
let me rephrase that every place that we

35:33
have been an expat susan and i have

35:35
lived in

35:36
seven different communities in four

35:38
different countries over the last 20

35:39
years

35:40
every place we've gone the locals know

35:42
the difference between

35:44
us citizens and the us government

35:47
because they know the difference between

35:48
very well put yeah they know the

35:50
difference between themselves and their

35:53
government and what they do and every

35:55
place will give an individual the

35:57
benefit of the doubt

35:59
you know they'll they'll they'll see

36:01
what kind of person you are what your

36:02
personality is like how you're adapting

36:05
how you behave in the community and

36:07
judge you according to that they won't

36:09
judge you according to the last um

36:13
the last invasion that you're that your

36:16
government undertook or you know it's

36:18
the last that's a good thing that was

36:19
instituted or the last visa program that

36:22
they cancelled by they'll judge you

36:25
they'll judge you by who you are so it's

36:26
human being human beings are you know we

36:29
always we're in a stage of this country

36:32
where it seems like we're all divided

36:35
i don't totally agree with that because

36:36
when people are in

36:38
trouble you know people are people i

36:41
don't care what country you're and i'm

36:42
assuming that if you're nice to people

36:44
in ecuador or wherever they're going to

36:47
be nice back right if you treat people

36:49
with respect they're going to treat you

36:50
back with respect and um and they're

36:53
probably understanding whether

36:55
involuntary or voluntary that

36:57
you're bringing something to the table

36:59
that's positive for their community

37:02
am i right about that that's uh that's

37:05
the reason a lot of these places have uh

37:07
pension auto programs retiree programs

37:10
that north americans can qualify for

37:13
because

37:15
i mean in in much of the rest of the

37:17
world

37:18
getting 2 500 or 3 000 a month from

37:21
social security or a pension

37:24
are king's wages you know absolutely

37:26
that's that's a lot of money and a lot

37:28
of these countries are happy to let you

37:30
qualify for residency there to have that

37:33
money come into their country and be

37:35
spent in their community and that's a

37:37
big decision you know changing you know

37:39
changing who you are as an american

37:41
citizen but i'm i'm assuming i respect

37:43
those decisions that are made but i do

37:45
encourage people to look at this

37:48
possibility as um

37:52
don't make them don't make the decision

37:53
on money

37:55
i need people to stop making decisions

37:57
just on money

37:58
i need people to make decisions on their

38:00
lifestyle

38:01
the fact that they're not going to be

38:03
here forever

38:04
there's some form of a legacy

38:07
that not that you want to promote

38:08
yourself but you want to leave a good

38:10
mark

38:12
on society or wherever you end up i'm

38:14
just hoping that international living

38:16
will be the resource for people to start

38:18
trying things

38:20
if they've never been out of the country

38:22
then start with start with a small step

38:26
but i think this is should be an eye

38:28
opener eye opener for everybody

38:30
not saying that the united states is

38:32
good or bad or things are going to go to

38:34
hell in a hand basket no we're just

38:36
strong we're a strong country it's a

38:37
great country

38:39
but um

38:40
i think we can all benefit from going

38:42
somewhere else i'm

38:44
i am so fortunate to be an american

38:46
citizen and i just want to make a quick

38:49
note when you get a residence visa in

38:52
another country you don't give up your

38:53
passport we don't we don't know any

38:57
expats who have renounced their u.s

38:59
citizenship

39:00
you can there's there's a way to do it

39:03
you have to be really sure that you

39:04
don't want to be a u.s citizen

39:07
but i would never renounce my u.s

39:09
citizenship i love the united states

39:11
it's

39:12
one of the most fabulous countries on

39:14
earth

39:15
but there are dozens of reasons why you

39:18
might want to live outside of it i mean

39:20
it's the same reason if you wanted to

39:22
retire you'd move from new york to

39:23
florida we'll just look a little farther

39:26
south look at merida look at panama city

39:28
look at look at keto ecuador the option

39:31
is there just think a little outside the

39:33
box it doesn't mean you're unpatriotic

39:35
doesn't mean you don't like the united

39:37
states it just means you can live

39:38
cheaper and better someplace else on

39:40
what you've got with your decades of

39:42
experience in this

39:45
subculture can i call it that it's a

39:47
subculture

39:48
um

39:49
have you found

39:51
that people

39:53
seem to get healthier both physically

39:55
and mentally when they do this do you

39:57
see a correlation or have you not seen

40:00
or can you not make that broad of a

40:02
brush statement

40:04
i can absolutely

40:05
say it i know people personally who said

40:08
that their blood pressure went down 20

40:10
points the month after they moved

40:14
the

40:15
the challenges that you meet as an expat

40:18
aren't the same as the stressors you

40:20
have in the united states

40:22
being attached to cable tv all the time

40:25
uh

40:26
uh having to have political discussions

40:28
with your friends and family that's well

40:30
said say that again the challenges you

40:33
have what did you say again say that

40:34
again the challenges that you have as an

40:36
expat are just life challenges they're

40:39
you you need a little ingenuity and they

40:41
can be solved

40:43
the stress that you live in in a in

40:47
a polarized highly politicized

40:49
environment are different

40:51
you can't really do anything about those

40:53
you just kind of have to plow through it

40:56
and deal with it and i mean

40:58
if your brother and your father are on

41:00
one side of the political fence and your

41:02
sister and your mother are on the other

41:03
side and they can't resolve those

41:06
differences you're stuck in the middle

41:08
that's tense

41:10
i much preferred to watch this

41:13
from

41:14
panama city

41:16
i much prefer to engage in those

41:19
conversations from from keto ecuador the

41:22
pressure was off and you know well the

41:25
the one thing that's hitting you when

41:26
you're saying this is

41:28
there's a lot of people that reach the

41:29
retirement stage that are a

41:31
personalities that's been successful

41:32
that's built up some money etc and

41:35
what's gotten them and us and me there

41:37
is a competitive nature that started way

41:40
back and in his com comp competition and

41:43
you're you know we're in a united states

41:45
is a winning society you're a winner or

41:48
you're not or you're competing or you're

41:50
not

41:52
address

41:53
the move or the or the visitation or the

41:56
weeks and months spent overseas and how

41:58
that lack of competition

42:01
changes you

42:04
there is

42:06
there's an unfortunate tendency of a lot

42:08
of north americans that we have noticed

42:11
especially people who haven't traveled

42:12
before to assume that the rest of the

42:14
world is just u.s light

42:17
is just you know america at half the

42:20
cost

42:21
and that everybody outside the united

42:23
states wants to be an american

42:26
and that's not true

42:28
it takes some people a long time

42:32
uh in a place to realize that telling

42:35
people that's not the way we did it back

42:37
home

42:38
doesn't get you anywhere

42:41
that's like the new yorkers that come to

42:42
florida and say back in new york we used

42:44
to do that i'm like well then move the

42:46
heck back there yeah no offense to new

42:48
yorkers what are you doing here

42:51
there's plenty of competition abroad

42:52
there's plenty of competition in these

42:54
other places but

42:56
the these places are predicated on

42:58
family and community and church first

43:01
the vast majority of places that susan

43:03
and i have lived

43:04
those are the priorities it's not job

43:08
then

43:09
uh community then family it's family

43:12
community church work wow and it's

43:15
probably the way it should be that's the

43:17
way it should be right yeah if work gets

43:19
in the way of family

43:20
your your uh gardener your plumber may

43:23
not show up if his niece is having a

43:26
quinceanera uh 20 miles away in the next

43:28
village up he might not show up for work

43:31
and when he shows up next week

43:34
he'll ask him why and he'll say i you

43:37
know my niece was having a concealer oh

43:39
congratulations

43:41
some people can't do that some people

43:45
will demand that they can buy your

43:48
loyalty with money and that's not the

43:50
way a lot of the rest of the world works

43:52
we're used to buying loyalty with money

43:54
and we're used to buying service with

43:55
money

43:56
and that won't work with a lot of latin

43:58
americans that we know just one one of

44:00
the things that money can't buy away

44:04
um is is a

44:06
is kind of a tragedy that's happening

44:08
across the country and it's happening a

44:09
lot with retirees and that tragedy is

44:12
loneliness

44:14
and feeling like no one's around kids

44:16
have moved out um you know you're

44:19
they're moved away and you're lonely and

44:22
money can't solve money can't buy

44:23
happiness that everyone knows that money

44:26
can't buy

44:27
and get rid of loneliness either have

44:29
you seen people go and try this

44:32
experiment

44:33
and

44:34
not feel lonely or they go over there

44:36
and feel lonely still i know you can't

44:38
make a broad brush statement but have

44:39
you seen

44:41
real examples of how

44:43
this has actually helped people

44:45
yeah yeah well

44:47
let's throw covid and

44:49
social networking in there as well

44:51
factors that are just pushing people

44:53
apart now

44:56
one of the big reasons for a lot of

44:57
people moving abroad in the first place

44:59
is the expat community those guys are

45:02
self-selected to think the way you do

45:05
and to help you out and to form

45:07
a core group

45:09
where you lift each other up

45:13
a lot of people are instantly adopted

45:15
into the families of the locals that

45:17
they deal with closely because when you

45:19
move to a place you'll deal with a local

45:22
shopkeeper you'll get a house cleaner

45:23
because

45:25
i never want to clean my own house again

45:26
and there are people who will do that

45:28
for me and do it well

45:31
and i get to know their families i get

45:33
to know their kids

45:36
you get involved in these people's lives

45:38
and it's a built-in feeling of community

45:41
you can't escape it really

45:44
you can try to move to a place

45:47
where you a gated

45:49
community where you don't have anything

45:50
to do with the locals where you're just

45:52
an insular group with a lot of north

45:54
americans you never learn the local

45:55
language and never interface with the

45:58
with the local bureaucracy

46:00
those are places that i hesitate to go

46:03
and people i hesitate to talk to because

46:04
they're not nearly as happy as the

46:06
people who are out in the community

46:09
knowing their neighbors right now

46:12
we

46:13
we take that baggage with us wherever we

46:15
go you know um but if you want to be

46:18
part of a community and you move to

46:19
ecuador or you move to panama or you

46:22
move to a little village in mexico you

46:24
will get community it comes with the

46:26
package there's there's no avoiding it

46:29
what are some of the best value places

46:32
overseas or the best places and i know

46:34
that's that's uh hard to answer

46:37
but get give people kind of a feel for

46:39
the countries that are

46:42
on the radar for someone like you and

46:44
for for you know as a consultant semi

46:48
consultant on this what would you where

46:50
would the countries be that you would

46:51
say hey you might want to look at these

46:54
you're right it's different for

46:56
everybody and i'm i'm looking right now

46:58
at the 2021 global retirement index

47:01
which is as on the website

47:03
there are

47:06
nine categories from

47:08
housing to retiree benefits to how easy

47:11
it is to get a visa

47:13
to fitting in and entertaining to the

47:15
climate to health care

47:18
picking which

47:19
three or four of those are most

47:21
important to you and finding the top

47:23
rated ones

47:24
is

47:25
an excellent way to go about doing the

47:27
initial research to find out where to go

47:29
but

47:30
this year costa rica is at the top of

47:31
the list it's always in the top five

47:33
okay it's easy to move to it's low cost

47:37
they don't have a standing army they

47:39
have about 90 percent literacy got it

47:42
most of the country is national park i

47:44
mean if if you just want a beautiful

47:47
yeah low-key place to live costa rica is

47:50
it panama has been dealing with north

47:51
americans for a hundred years because of

47:53
the panama canal

47:55
and that is an a financial engine that

47:57
means panama is always in good financial

48:00
shape if that's what you want

48:02
go to panama

48:03
mexico there are probably a million or

48:06
more

48:07
u.s expats in mexico living full or

48:10
part-time

48:11
because it's familiar it's easy to get

48:13
to

48:14
most of the places

48:16
are

48:17
absolutely safe i mean if you're

48:20
if you're not producing transporting or

48:22
dealing drugs

48:23
uh there are places in mexico that are

48:26
safer than omaha nebraska

48:28
steeper than safer than montana

48:31
we've lived in several of them

48:33
merida is one i'll just throw that out

48:36
that points out the importance of

48:39
picking the place in a particular

48:40
country where you want to go

48:42
it's difficult to rate an entire country

48:45
it's difficult to rate an entire city

48:47
like mexico city you can't do that here

48:50
exactly i mean

48:51
every single city has a bad neighborhood

48:54
you don't want to go into and the police

48:55
don't drive through i mean every single

48:57
one but i would encourage people to

49:00
international living dot com just like

49:01
it's spelled no space international

49:03
living dot com

49:04
he just was reading from that site i

49:06
mean that is your go-to place if you

49:08
don't do anything else if you don't do

49:10
anything else other than listen to this

49:11
go to their site bookmark it and just

49:14
keep going back and forth put it in your

49:17
brain that you might want to try these

49:19
these this idea it's an idea it's a

49:22
retirement idea people come to me and

49:24
they might say i hate all annuities stan

49:26
and i'm like wait a minute you already

49:28
own one it's called social security so

49:30
open your mind a little bit if you need

49:32
lifetime income that's what you need

49:34
same thing well i've heard that mexico

49:36
and those places are you know i saw on

49:38
the news that it's dangerous hold on

49:40
stop

49:41
go and learn and do your research

49:44
and find out if it might be right for

49:47
you

49:47
last question this is probably i saved

49:49
the best for last damn okay

49:52
and this is this is a yes or no question

49:55
if i move overseas after they stand the

49:58
annuity men juggernaut is purchased by

50:01
the big company

50:02
will i become a better guitar player

50:05
yes

50:07
really

50:08
absolutely

50:12
you're talking about importance now that

50:14
now you're selling me if you're so

50:16
you're because i certainly haven't

50:17
become a better guitar player in the

50:19
united states so i've got to try

50:21
something

50:22
right

50:23
i moved to kotakachi ecuador i talked

50:25
about that little town of 7 000 people

50:28
yeah i met three of the best musicians

50:31
north american expats i've ever met in

50:33
my life i got in their band

50:37
i found a couple of cafes that said you

50:39
know if you want 90 minutes just to do a

50:41
solo

50:42
uh come on and do it i had to get my

50:44
chops together you had to work up a song

50:46
list i had to i had to learn these tunes

50:49
you will find opportunities to become a

50:51
better guitar player a better singer a

50:53
better band member a better writer

50:56
you'll find it

50:57
you'll see

50:58
i think that's that's a really

51:00
interesting way to end it

51:02
is is just again it's lifestyle

51:05
and the key word is life and the key is

51:08
that is your life and what i want to

51:10
encourage people to do in this podcast i

51:12
think has done it is now you have a

51:14
resource to start looking at it so where

51:17
do i start stan

51:19
international living dot com is where

51:21
you start um dan's picture and face and

51:24
suzanne's on there you can you can

51:26
content contact them directly if you

51:28
have a specific um question we're going

51:31
to have dan

51:33
yeah we're going to have his information

51:34
permanently on the site because i think

51:37
it's important for people when they're

51:39
talking about retirement it's not just

51:40
about income it's not just about

51:42
protecting your principal and it's not

51:45
about just about that it's also about

51:48
how you decide to live your life in

51:49
chapter two of

51:51
your life dan i'm going to tell you

51:53
something i really appreciate you being

51:55
here this has been absolutely fun for me

51:58
and

52:00
it's been great i hope to have you on

52:02
again and i want to thank everybody

52:03
listen to on all the podcast platforms

52:06
and the you fun with annuities youtube

52:08
channel and my name is standing nudity

52:10
man this is fun with annuities and i

52:11
will see you

52:12
next week

52:18
thanks for listening to fun with

52:20
annuities please hit the subscribe

52:22
button and make sure to go to my site at

52:24
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52:25
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52:27
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52:43
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52:46
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52:48
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52:50
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52:53
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52:56
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52:58
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53:00
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53:02
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53:04
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53:08
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53:12
[Music]

53:23
you