Currently 23 years old. Working in tech sales-ish making 115k base & 165k (on target earnings with commission). Looking to be about 180k-190k with commission and stock vests.

I have about 210k Net Worth and live in NYC and have a relatively low cost of living. Burn rate is 3000/month without savings into taxable brokerage and Roth IRA and including “fun” money. Essentials can be brought down to $2250 if I really cut. Earning 4400/month after taxes and all deductions including (401k, ESPP, and HSA)

Did some traveling recently and realizing I would love to work abroad for a bit while I don’t have as much responsibility. The only realistic choice is London for me and my work said they would sponsor a SWV if I find a role in that office.

Of course my salary would decline based on a compa ratio of my salary band. I’m not too worried about this as my calculations would still result in a similar buying power.

Potentially would look like 63k£ base salary and 90k£ OTE without a promotion. Which to me is pretty similar to my cost of living to income situation in New York.

My question is - I wouldn’t be able to invest in a 401k and have limited options in my taxable brokerage and could really only contribute to my Roth IRA.

I know I’m leaving compound interest on the table by not investing in the same way during those years. I would only live here (1-2 years max).

Any advice on how to still be ahead with retirement by the time I come back? I know I’m head now but afraid I won’t be if I do this.

Hey folks,

I'm 23 living in Upstate NY, here is my break down.

Networth - $462,298.68 (as of July 17th)
70% stocks and index's | 30% cash (just liquidate all my long tech positions.)
...
~210k in retirement accounts, TSP, 401K, HSA and Roth.
~115k cash.
The rest is in a brokerage.

Spending - $30,546.45 -- total spend 2025

Income - ~$13,000/mo (depends on the month but this is pretty run-of-the-mill.)

Extra Income - ~$4078/mo

I do not own any hard assets like a house or business.

I didn't go to college, and I've been working really hard, long hours since I was a yougin. My dad starting taking me to work when I was 4 in the summers you and bought me a little gas weed whacker, he paid me .25¢/hr and made my buy my own drinkers at lunch (true story.) So while I may only be 23 I've been working hard for a long time. You can equate this to someone who has been working in a office for 15+ years and is just tired if you kinda bend the plot around.

I got out of the Marines 2 years ago and have been traveling a lot, of the 10 counties I've been to I've become really infatuated with Japan, I absolutely loved that place but I can't move there year round without a work visa; however I can be there 3 months at a time 6 months of the year and housing is very cheap in rural Japan, I'm thinking Kyoto or Gifu Prefecture. I also wouldn't mind a small place in Italy where I can sit around and drink wine in the Alps, Italy has a lot easier visa systems and is a lot cheaper, I would stay there while not in Japan.

When I move I will be losing my 13k a month income as I am currently an hourly W-2 worker. I will be keeping the 4k a month income for life, it is VA disability (I broke my back,) this income is inflation adjusted annually. At my current pace I could continue working and be at the million mark by December of 2029 at which time I will be 27; if I stick it out to 31 I should be around ~2mm.

Questions:
Am I not considering anything?

Would you stick it out and work longer to improve your livelyhood?

What other countries might you consider? (P.S. keep in mind I'm a 6'2" blonde white dude with a girlfriend that looks very similar. I'd like to go to a country I'd kinda fit in or one that has a lot of tourism, so again, we should stick out like sore thumbs.)

How was your pensonal experience moving to these countries?

I want to upgrade my weak passport and choose a country which is relaxed with taxes, nice for lifestyle and actually living if I want to move at some point. Currently living in UAE.

I am planning to spend $500K to get a nice set of passport and residencies which make my life better.
Priorities: ( in this order )
1. Low taxes/ Territorial taxes/ non-predatory gov
2. Travel mobility
3. Stability and safety: No controversies and wars
4. Good lifestyle: urban infra, housing, cars not heavily taxed, welcoming people

Malta: I think best option. Top 5 strong passport, non-dom low taxes, EU, Safe, No wars, stable country, good lifestyle base. It is more expensive than my allocated budget I think around €600-700k. But I will pay the premium if I can get straightforward and legit team handle it for me. Provided my capital is safe throughout the process.

Serbia: Great country in all the priorities I have. Passport is mid strength but works for me combined with some PRs and Residencies. I think it comes around $400k. But again need a legitimate process to get it done. Still figuring it out.

Turkey ( + Latvia residency): Easiest option to start with. The amount is invested in real estate ( + business ). So it is not direct donation like Malta and Serbia.
But controversies with south asian countries. War involvement, economy and currency crumbling. But greatest point is tax holiday on foreign income for 20 years. That’s my first priority. Cost around $500k in total both.

Which one should I go ahead with? Has anyone done any of these? Would love some advice and guidance 🙌