Colleen Kennedy is a child of Southern California.

科琳-肯尼迪是南加州的孩子。

Born, raised, and educated there, she spent most of her professional life as a high school special education teacher in Manhattan Beach, a tiny enclave wedged between Los Angeles and the Pacific Ocean.

她在那裡出生、長大並接受教育，職業生涯的大部分時間是在曼哈頓海灘（Manhattan Beach）擔任高中特殊教育教師，這是一塊夾在洛杉磯和太平洋之間的小飛地。

She says, quote,

她說，引述如下

I love Southern California.

我愛南加州。

So where did the divorced 65-year-old mother of three grown children decide to settle for retirement?

那麼，這位 65 歲、有三個成年子女的離婚母親決定在哪裡安度晚年呢？

Spain.

西班牙。

Earlier this month, she moved from Los Angeles to Mijas Costa, along the Costa del Sol west of Marbella, to a rented apartment just a 10-minute walk from the Mediterranean.

本月早些時候，她從洛杉磯搬到了馬貝拉以西太陽海岸沿線的米哈斯科斯塔，租住的公寓距離地中海僅有 10 分鐘的步行路程。

Despite the region's swank reputation, she figures her basic cost of living there will be a third of what it was in Los Angeles.

儘管該地區名聲顯赫，但她認為那裡的基本生活費用只有洛杉磯的三分之一。

In L.A., she rented an apartment in the working-class San Pedro neighborhood near the beach and the port.

在洛杉磯，她在靠近海灘和港口的聖佩德羅工人階級社區租了一套公寓。

It cost about twice as much as her new Spanish digs.

它的價格大約是她在西班牙新居的兩倍。

Plus, in the U.S., she paid to keep a car, which she won't need in Mijas Costa, thanks to mass transit and stores that are within walking distance.

此外，在美國，她要花錢買車，而在米哈斯科斯塔，由於有公共交通和步行即可到達的商店，她不需要買車。

She'll also be able to make frequent, more affordable trips to other European countries by train.

她還可以乘坐火車頻繁地前往歐洲其他國家，價格也更實惠。

She says, quote,

她說，引述如下

My money will go so much further.

我的錢可以花得更多。

Kennedy picked Spain after seven years of methodical research and a two-month trip to the Iberian Peninsula in 2022 to check it out.

肯尼迪經過七年有條不紊的研究，並於 2022 年前往伊比利亞半島進行了為期兩個月的考察，最終選擇了西班牙。

She's learning Spanish via Zoom from another retired teacher who taught the language and has also retired there.

她正在通過 Zoom 向另一位教授西班牙語的退休教師學習西班牙語，這位教師也已在那裡退休。

At last count, there were 701,000 U.S. Social Security recipients living abroad, up 20% over a decade.

根據最近的統計，有 70.1 萬名美國社會保障金領取者居住在國外，比十年前增加了 20%。

Most Americans stay in the U.S. for retirement.

大多數美國人留在美國養老。

But an impressive 85% of Americans 65 and older have traveled abroad.

但令人印象深刻的是，65 歲及以上的美國人中有 85% 曾出國旅行。

And the U.S. dollar is at its strongest level since the 1980s, making both foreign travel and a foreign retirement more affordable.

而美元正處於 20 世紀 80 年代以來最強勁的水準，這使得國外旅行和國外養老變得更加經濟實惠。

Moreover, in today's polarized political atmosphere, there's lots of talk about moving abroad, particularly if the perceived wrong side wins the presidential election.

此外，在當今兩極分化的政治氛圍中，人們經常談論移居國外的問題，尤其是在錯誤的一方贏得總統大選的情況下。

In a recent poll, a record 34% of Americans said they'd leave the U.S. if they could, with young folks the most likely to pine for a change of country.

在最近的一次民意調查中，有 34% 的美國人表示如果可以，他們會離開美國，這一比例創下了歷史新高，其中年輕人最有可能渴望改變自己的國家。

Yet even 17% of those 55 and older said they'd like to move abroad, and they're the ones who are the most able to do so since many countries welcome those with enough money to live without taking a local job.

然而，在 55 歲及以上的人群中，甚至有 17% 的人表示願意移居國外，而他們是最有能力移居國外的人，因為許多國家都歡迎那些有足夠資金生活而不需要在當地工作的人。

Kennedy, for example, submitted the paperwork for a non-lucrative residence visa, including proof she had pension income of at least $30,000 a year.

例如，肯尼迪就提交了申請非高薪居留簽證的文件，包括證明她每年至少有 3 萬美元的養老金收入。

at Spain's Los Angeles consulate, and was approved for it in just 15 days.

在西班牙洛杉磯領事館，僅用 15 天就獲得了準許。

It doesn't allow her to work in Spain, but it could lead to permanent residency there in five years.

這不允許她在西班牙工作，但五年後可以獲得西班牙永久居留權。

Whether you're looking for lower costs, attractive scenery, a change in lifestyle and culture, or a political escape hatch, moving to another country requires extensive research.

無論您是為了降低成本、欣賞美景、改變生活方式和文化，還是為了逃避政治風險，搬到另一個國家都需要進行廣泛的研究。

To get you started, Forbes has compiled our list of the best places to retire abroad.

福布斯》為您整理了一份海外最佳養老地清單。

In 2024, we recommend 96 places in 24 different countries on four continents, with five on islands.

2024 年，我們推薦四大洲 24 個不同國家的 96 個名額，其中 5 個在島嶼上。

It's our first foreign retirement list since the COVID-19 pandemic in 2020, and our first that takes into account climate change and natural hazard risk abroad.

這是自 2020 年 COVID-19 大流行以來我們的第一份國外退休名單，也是我們第一份考慮到氣候變化和國外自然災害風險的名單。

This is a consideration that Forbes has been incorporating into our domestic best places list for five years.

這也是《福布斯》五年來一直將其納入國內最佳地點榜單的考慮因素。

Other issues we considered in making our picks include cost of living, ease of getting permission to stay in a country, taxes, healthcare quality and costs, returning to see relatives, which can be a long slog, crime and political instability, and social isolation, especially if English isn't widely spoken and you're not fluent in the dominant language.

我們在進行選擇時考慮的其他問題包括：生活成本、在一個國家獲得居留許可的難易程度、稅收、醫療品質和費用、回國探親（這可能是一個漫長的過程）、犯罪和政治不穩定，以及社會隔離，尤其是在英語不普及和您的主要語言不流利的情況下。

Our list includes countries from all around the world, from Albania to Costa Rica, Greece to Indonesia, Portugal to Uruguay.

我們的名單包括世界各地的國家，從阿爾巴尼亞到哥斯達黎加，從希臘到印度尼西亞，從葡萄牙到烏拉圭。

For full coverage, and to see the whole list, check out William P. Barrett's piece on Forbes.com.

欲瞭解完整報道和整個名單，請查看 William P. Barrett 在 Forbes.com 上發表的文章。

This is Ciarán Meadows from Forbes.

我是《福布斯》雜誌的 Ciarán Meadows。

Thanks for tuning in.

感謝您的收聽。