Episode Summary
In this episode of The Expat Files, Johnny Mueller discusses a range of topics related to expat life in Latin America. He begins with an email from Kenny, an expat in Honduras, who critiques the hypocrisy of new expats who advocate for higher wages for local workers without understanding the complexities of running a business in the region. Kenny argues that simply increasing wages can lead to inflation and does not necessarily improve productivity, a point Johnny acknowledges and humorously compares to the political stance of figures like Bernie Sanders.
The segment also touches on the political situation in Nicaragua, where Johnny comments on the portrayal of Daniel Ortega as a former bank robber and dictator, noting the media's lack of coverage on this fact. Johnny also critiques Bernie Sanders, pointing out that he is a millionaire with multiple homes, including a beach house in 2016, and that his version of democratic socialism is not always practical.
The discussion then shifts to the broader impact of expats on local economies, with Johnny explaining how well-intentioned actions, such as paying maids and gardeners more than the local minimum wage, can inadvertently lead to inflation and wage demands from local workers. He highlights the hypocrisy of expats who pay higher wages to maids but still seek the lowest possible costs for their own projects, often resorting to under-the-table labor practices.
Johnny also compares the economic realities of minimum wage in Latin America to Sweden's system, where the absence of a minimum wage is balanced by strong unionization. He notes the absurdity of paying maids in Honduras more than what doctors earn, and shares his personal experience living in Honduras, where he rarely encounters expats. He also mentions an email from Kathy in Ecuador about the challenges of running a business there due to strict labor laws.
The segment concludes with Johnny providing practical advice for expats considering life in Ecuador and other Latin American countries. He emphasizes the importance of understanding labor laws, being aware of partnership offers, and not relying on national healthcare systems. He also warns against expecting to prosper in brick-and-mortar businesses and highlights the need to know the local language. Additionally, he discusses the challenges of living in Puerto Rico, noting the current tax incentives but cautioning that they may not last due to the island's financial situation and its status as a U.S. territory.
Finally, Johnny touches on the challenges of identifying counterfeit documents in Latin America, noting that while new plastic DPIs can be forged, they are typically detected quickly. However, some fraudulent documents bypass initial checks due to internal corruption. He also addresses the labeling of anti-vaxxers as terrorists, suggesting that those who oppose vaccination should consider leaving the country before facing government restrictions. Johnny shares his personal views on vaccines, expressing skepticism due to his own experiences with childhood immunizations and the rise of conditions like autism. He concludes with practical advice on ventilating and managing humidity in homes, particularly in Latin America, including the use of skylights and removing cement blocks to improve airflow.
Topics
Expat hypocrisy, Wage increases and inflation, Political figures in Latin America, Media bias and political reporting, Expats and their impact on local economies, Minimum wage and labor practices in Latin America, Hypocrisy of well-intentioned actions, Inflation and wage demands, Minimum wage in Latin America, Economic disparities in Honduras, Labor laws in Ecuador, Cultural and economic realities for expats
Chapters
00:00:00 Opening 00:00:31 Email from Kenny on Expat Hypocrisy 00:01:26 Kenny's Experience in Honduras 00:03:14 Kenny's Critique of Wage Increases 00:04:22 Johnny's Comments on Nicaragua and Daniel Ortega 00:05:35 Johnny's Critique of Bernie Sanders 00:06:22 How a Good Socialist Gets Kicked Out of a Hippie Commune 00:06:27 The Role of Tofu Brown Rice and Non-GMO Cider 00:06:31 The Consequences of Not Doing the Dishes 00:12:30 Sweden's No Minimum Wage System and Its Implications 00:13:26 Minimum Wage in Latin America and Its Disparities 00:14:34 The Absurdity of Paying Maids More Than Doctors in Honduras 00:17:14 Challenges of Running a Business in Ecuador 00:18:09 Understanding Contract Terms and Legal Representation 00:18:18 Importance of Knowing Labor Laws and Partnership Offers 00:18:47 Need for Private Health Insurance in Latin America 00:19:10 Why Johnny Has Stayed in Ecuador Despite Challenges 00:19:58 Johnny's Opinion on Puerto Rico's Tax Incentives 00:22:30 Evolution of National ID Documents in Latin America 00:23:58 Counterfeit Documents in Latin America 00:24:34 Anti-Vaxxers and Government Labeling 00:25:30 Johnny's Personal Views on Vaccines 00:27:04 Home Ventilation and Humidity Management
Transcript
Automatically transcribed from the original recording; names and wording may contain errors.
[00:00] South of the border down Mexico way That's where I fell in love when the stars above came out to play and now as I wonder Hello there all you ex-pat wannabes. I'm Johnny Mueller and you're listening to the expat files living in Latin America The show that tells you just what it's like to live work play and or retire down here in Latin America It's a mix of the good the bad the ugly and the great and it's all right here. So let's get started And now we have this email from Kenny doing his plan being Tela Honduras And he's been an expat now for around four years says he's been listening to the show religiously for around five years So here goes with Kenny. He titles his little opus and it is kind of an opus the predictable
[00:51] Hypocrisy of expats, especially new green fresh expats or My thoughts on paying your maid five bucks an hour and ruining a good thing without thinking about the secondary Consequences until it's much too late. Hmm. Kenny man. What a title. That's a complete email in itself You know, I've been saving this email came in I'd say about two months ago and oddly enough It's exactly on the topic that we've been speaking about in the last couple shows You remember the hiring firing and complications of having Latino and Latino workers All right, Kenny says Johnny I've been in Tela the beach town in Honduras a couple of years now And it's funny the way I keep having the same argument over and over with new green gringos that I happen to come across
[01:39] Arguments about how the poor locals just need to get paid a little bit more to pull them out of poverty Funny how your opinion changes after you've been down living working and running a business in a Latin country for a couple of years But those new fresh green gringos you tell them the facts and they only hear what they want to hear They think as gringos who've been down here a while running businesses are just taking advantage of the low-cost cheap labor situation And that's it Especially the do-gooder gringos that come down for two weeks or a month and after that time they think they know it all How to fix everything but I repeat funny how your opinion changes after you've been in a Latin country for years Especially if you're running a business and it does take a few years
[02:24] Till you see the realities of it all and I confess when I first came down in a month or so I was a know-it-all too. Yep. That's right. I thought I knew how to fix everything when I first got down I was one of those who thought those poor people they really need to get paid more that'll fix things and they'll be much happier They'll get educated buy more stuff become better consumers start caring about their environment pollution have better hygiene Yep, that was my first impression in my naivety to give more dough They'll lead better lives and be happier to boy. It was I wrong especially about the happiness part They're already happier on a level most gringos and expats up in the States could never imagine But I thought to just like every American who first lands here when they first see the place warts and all
[03:11] They're thinking Wow, this is easy to fix Just give those poor people more money better salary better hourly rate and that'll fix everything It should even stop all those caravans of illegals from sneaking across the border if they're making more money Their conditions will improve so they shouldn't have to boy Was I wrong but it took a few years as a businessman down here to figure it out The thing is if you jack up a person's salary substantially You don't really give me more worker productivity out of people You just give them more spendable income till inflation and the cost of living catches up then soon enough They're right back where they started from any businessman anywhere We'll tell you that you give a raise to a person who does more or does things better or more efficient than the rest of The folks in his labor classification
[03:59] Yeah, that works. All right. It's a great motivator, but just to roundly pay everyone more That's the Bernie Sanders and Ocasio-Cotex argument Hmm Kenny, I think something got lost in translation there Alright, then Kenny says by the way Johnny, I'm sure you've been following what's happening in Nicaragua They virtually got martial law and they're on the verge of a revolution Well, Johnny, did you know that Bernie Sanders is a good buddy of Daniel Ortega? The dictator of Nicaragua somehow the press never reports on that The fact is he actually went down to Nicaragua some years back and had a 75 minute personal audience with him back then as he does Now he got the facts completely wrong when interviewed when Bernie came back to the states
[04:47] He referred to Daniel Ortega as a former political prisoner who had served a lengthy prison sentence for Butting heads with and opposing the existing government when it's a fact and you can look this up Ortega went to prison for robbing a Bank of America branch in 1967 in which he served seven years in prison. Yeah political prisoner, right? So all this time Nicaragua's had a convicted bank robber as a president though I suppose that's par for the course. Look at the Bushes Clintons and the Obamas Oh and has the US press bothered to report on the fact that Bernie Sanders who's never worked a real job in his life Except in government how that guy has three houses valued in the millions
[05:32] The last one he bought in 2016 was a six hundred thousand dollar beach house So if that's how Bernie's democratic socialism works, I want a piece of that too So being a congressman means being a millionaire means a life of luxury nice work if you can get it Go ahead Johnny look it up and you'll see it's true Oh and while you're at it, you should look up a new book called we are the gods by author Kate Dallas D-a-l-o-z According to her and she was part of a circle of hippies in the 1970s Bernie Sanders went to a commune where her and her parents lived and prattled on for days with endless chatter about politics Pissing off many of the communes residents who were doing the back-breaking labor of running the place and Bernie Sanders didn't lift a finger
[06:17] So they politely asked him to leave man. You can't make this stuff up So you might ask how does a good socialist get kicked out of a hippie commune Well, I guess it's when you eat their tofu brown rice and non-gmo cider And you don't do the dishes or chip in on the grunt work, but I digress if you can do it I can do it too Johnny. That's right Kenny. Yes, you can it's your email. All right, then Kenny says Look Johnny when governments forced by law a minimum wage pay raise or well intentioned But clueless gringos arrived and of course any number of do-gooders and start paying their maids and gardeners more than the going rate Whether they feel embarrassed benevolent or just sorry for them
[07:03] The problem is when you jack up your employees usual on a customary rate The effect in time is always the same Prices rise for everything across the board then the next thing that happens is city workers teachers Garbagemen taxi and chicken bus drivers go on strike for yet higher wages to try to keep up with the cost of living and they never really Managed to keep up with it because there's a big delay built into the system As soon as the government decrees yet another minimum wage increase the cost of living creeps up again Then you're in the same vicious cycle then he says hey Johnny. I'm not the answer man. I'm not proposing a solution I'm just telling you what's happening to businessmen. I see in Honduras and the rest of Latin America And we must face the fact that we are the cause of a lot of it. It all starts with a bit of a guilt complex
[07:53] That's what I think when we see the kind of housing our maids gardeners and employees live in Mostly tin roofed concrete cold water flats that leads to a lot of talk between us gringos and expats sippin are my ties by The pool and personally I know many a fresh green gringo who started the ball rolling by paying their maid five bucks an hour Nice round number apparently dirt cheap to buy our standards a made-up in the states would laugh at you Maybe she'd even spit at you if you offered her five bucks an hour So you might be thinking you offer a maid five bucks an hour when she usually gets to that should fix her life, right? Maybe for a little while anyway, but to prove a point Johnny. Here's a little thought experiment Suppose you landed in tell a Honduras like I did four years ago
[08:42] Beautiful white sand beach there, you know, and everything's dirt cheap except in a scant few resort areas where gringos and high fly and Latinos have bit up the prices But suppose you landed in tella like I did you buy some land and plan on building a nice first-world beach house You arrive at a price with your contractor. Let's say it's a hundred thousand dollars complete and it takes a year to do the job But right before you start the job You find out that the 20 grunt workers that'll be on that job for an entire year are only getting the minimum wage of around Two bucks an hour. Oh and let me remind you there are no Shortages of men willing to work for two bucks an hour here in Honduras They'll stand in line all day just to get an interview if you put an ad in the paper
[09:30] I know I've done it But let's say you find out your 20 grunt workers That'll be on the job for a year only getting two bucks an hour minimum wage Which is usual for construction workers, of course, it's you paying them indirectly But you pay your general contractor and he doles out the wages You've got no involvement with that your deal your contract is with him not the workers He picks his crew sets the wages Organizes his men and the schedules, but suppose you don't speak Spanish and know none of that He just hand over the job to the contractor and then later on down the line You're outraged or maybe just sad or feel bad inside when you find out they're making two bucks an hour You're thinking that's not fair. That's no good. That's Borderline inhumane they should be making at least five bucks an hour
[10:17] And even that is pitifully low by our first world standards And you know Johnny's funny that $5 an hour thing seems to be a magic number. It comes up in so many conversations Well, then here's the question part of the thought experiment Will you with the $2 an hour guilt complex dig into your pocket for the extra 60 bucks a day? It'll take to bring all those 20 workers to five bucks an hour That works out to an extra 20 grand over a year's time In other words, are you willing to fork out an additional 20 grand to assuage a little guilt? Hey, I know gringos who built houses and various projects And I don't know a single one who would voluntarily do so But a lot of those same gringo guys and ladies pay their maids and gardeners five bucks an hour when the going rate is 2
[11:05] Individually, that might sound just but when you scale it up Wow look out So how does that make sense? Especially if you're living up in the USA and you're building a house the number one thing for you I'm sure is cost and it's a game to figure out how to beat the contractors price down as low as possible And if you do manage to achieve that lowest bidder and all there is a very high chance He'll be using not just non-union grunts, but illegal latinos cash under the table. No benefits. We all know the story Yeah, it's complicated. All right. So how is it we accept contractors up where we come from? Who pull that stuff higher illegals and scabs at sub minimum wage? But suddenly we have different noble sensitive scruples and values when we land on someone else's turf and see that they're making two bucks an hour
[11:55] So fresh green gringos and do-gooders that only come down for a couple of weeks at a time think that even five bucks an hour For a maid is extremely low because of their frame of reference But here in Honduras Central America and most of Latin America the minimum wage is around $350 a month that comes out to slightly over two bucks an hour Owen Johnny. I just remembered one thing if you'll allow me to digress again I was an exchange student for a year in Sweden one of the most Socialistic countries in the world and here's with the world and the media doesn't want you to know Sweden has no minimum wage None, how about that and that works out great if you got a small mom-and-pop business Yeah hire someone for whatever you want to hire him for you could pay a stock boy two bucks an hour
[12:43] Which no one will take but you can offer it anyway So how does Sweden get away with no minimum wage? Well, the country's heavily unionized So if you work for a big company like Volvo The union which you'll have to join if you're working for a big company The union negotiates all the salaries for the workers if you look it up You'll find in the United States about 25 percent of workers make minimum wage minimum wage in the states ranging from 7 to 15 bucks an hour So a quarter of the US workforce is making whatever the minimum wage is paid at for their state But the thing is here in Latin America more than double that about 50 to 60 percent of workers make their version of the minimum Wage which is around 2 bucks an hour
[13:28] But sadly there is another 20 to 25 percent of Latino workers that receive less than the 2 buck an hour minimum wage And in most cases it's almost impossible for the government or anyone else to enforce because so many people are making a living or kind of A living off the books. In fact, it's hard to believe how many people you see hawking goods on the street with none of them Not a one paying taxes. So let's throw this into the mix Suppose you pay your maid who previously was making two bucks an hour working for a Latino family five bucks an hour You're a great guy. You're a good gringo. You could afford that you could more than afford that So you tell her that and she thinks you're joking But what a smile on her face when you hand over the first week salary And she sees it's true. But wait just a minute. Talk about secondary effects and
[14:18] Unintended consequences in Honduras that $5 an hour figure seems very low, but it's actually around 250% higher than the minimum wage and more than half of the workers here make minimum wage and here's something crazy Five bucks an hour is obscenely high in comparison to what a skilled professional like a registered nurse makes Go ahead. Look it up You'll find that an RN in most of Latin America makes around 500 to 650 bucks a month in any private hospital So if you're paying your maid five bucks an hour, that's 800 bucks a month Which is a lot more than all but the very top of professionals and administrators in local hospitals and get this $800 a month
[15:04] That's five bucks an hour is more than new doctors and dentists earn when they first get out of school and start working for another doctor hospital or clinic Then Kenny says Johnny. I don't think people are gonna believe this but it's true Many gringos and I know a few are paying their maids more than doctors get talk about being embarrassed in yet Another kind of way suppose your doctor found out Now for sure There's nothing to stop you from paying your maid anything you want and if you think she's worth more than an RN doctor Or dentist go ahead pay her ten bucks an hour Of course, then you'll be just like all the rest of the fresh off the boat expats that overpay unnecessarily for things and cause all kinds of crazy secondary effects and unintended consequences
[15:51] Driving up the cost of living for all of us. So Johnny, I know I was long-winded but in finishing up here I just like to say I'm so glad I moved to Tela where unless I'm in town at the beach or at one of those High-end resorts. I don't run into many gringos at all In fact days could go by and I don't see a single gringo And yet when I do need a gringo fix and really need to speak English with someone I just go into town and have a drink at one of the little gringo bars It seems every Latin town no matter how far off the tourist trail has a bar or two Gringos and other lowlifes seem to congregate by lowlifes I mean gringos who are a bit skanky and rank they've gone native though some are nice guys You don't want to bring them home to dinner Signed your hondorenio buddy by proxy Kenny. All right Kenny
[16:39] Thanks for that glad you checked in and glad you like Honduras now on the same theme We have this email that just came in it was forwarded to me from Kathy in Ecuador She says Johnny. I've been a business administrator slash owner in Ecuador since 1988 I've suffered two catastrophic Partnerships and now operate alone and must honestly say that if you expect to come here to Ecuador and open a business Higher employees and expect to do anything other than comply with the mountain of labor laws. You need to think twice Ecuador is not what you read in those come on down expat tourists international living magazines I can tell you that for sure any relation you have with an employee at any level for any amount of time
[17:26] If you're on the up-and-up and trying to do things legal is governed by very strict very socialist leaning very Anti-employer laws the administrators of these laws are a hundred percent on the side of the employee and a hundred percent Against the employers. I've got many proofs of that Alright now for a couple of tough love points when considering moving to Ecuador You must speak enough Spanish to communicate your needs if you're gonna run a business Don't be a star el banyo Gracias señor is nice, but very insufficient You must also bone up on the laws about renting or being a landlord or renter Those two may or may not be in your favor depending on your lawyer and you better have one who drew up the contract and which
[18:17] Side of the contract you're on Alright another big tip you must know the labor laws before even thinking about a labor for higher Relationship or you'll be sorry and you must really be aware of partnership offers So come down have fun remain as independent as possible, but don't believe international living Prices are going up and gringos are the cause of it So do not expect to live off your u.s. Social Security in the short run maybe but not forever and Don't depend on the country's national health care system either always always get private health care insurance So as a final comment if you come to Ecuador know the language Spanish eat drink live long and prosper
[19:02] But don't expect to prosper in a brick-and-mortar business. Sorry to tell you that but it's the truth now with all that said some Wonder why I've stayed so long Well, I've learned my painful lessons woke up the next morning considered each day a new day And I learned from my mistakes and sadly have developed a jaundiced eye and that makes me skeptical because I've been had So many times though, it still beats the hell out of living up in the States with Uncle Sam and Big Brother Alright moving on. Here's an email from Jason. Hola señor Johnny. I don't think I've ever heard you talk about Puerto Rico also a Latin country I was thinking about it because I was listening to a podcast from Simon black talking about the benefits of the new act 20 and 22 I guess a person can start a business there and pay only 4% tax on
[19:50] Puerto Rican sourced income or as an investor you can trade and pay no tax as long as you live there a certain number of Days a year All right, Jason you want my opinion on Puerto Rico. Here it is In fact, I know some people living there now and I'm getting this from the horse's mouth. Yes, it's true Puerto Rico is offering tremendous tax breaks right now in the wake of the terrible hurricane that wiped out practically everything there and they still have a Quarter of the island with no dependable electricity and after the hurricane there was a huge flight of people and money to the states It was easy to in fact the easiest way to go to the states if you're a Latino is to be born in Puerto Rico because you Instantly get a US passport. So there's been a tremendous brain and cash drain But here's the problem sure those new tax breaks which were emergency tax breaks look great now
[20:40] But governments are fickle and they love taxes and I'll bet you a Bitcoin As soon as the infrastructure and everything else is back and running smoothly the government and of course in a couple of years It'll be a new government will have a change in part They always do and start taxing to the max again. Why because Puerto Rico is bankrupt they were bankrupt even before the hurricane and Have you thought about the fact that the US government the glutton of all taxers has? Puerto Rico right under its thumb You think they're gonna like the idea of a bunch of millionaires and billionaires Moving to their little protectorate island just to avoid taxes with Uncle Sam and the IRS Losing all that dough that used to pour into the US Treasury How long do you think the US is gonna let that go on the controlling monster?
[21:27] There is the US government remember Puerto Rico is technically part of the US a US protectorate Oh, and I understand some high rollers and some crypto whales are moving into San Juan and driving real estate prices through the ceiling Now as for those tax breaks, I don't think they're gonna last why because uncle Sam does not want that kind of competition or temptation It's geographically too close and too easy for any US citizen with dough who's paying a ton of taxes to just pick up And move to Puerto Rico is not a sovereign nation. It's under the thumb of the US and that scares me So I'm very leery be careful. All right, then comes this question from mr Be he says Johnny how old is the national ID document? You see that everyone carries throughout Latin America
[22:14] That's a little credit card size thing called a DPI with a supposed RF ID chip in it That usually doesn't work. So he's asking when did these things come about anyway? Was there another ID before the personal identity card? Well, yeah, mr Be when I first came down 28 years ago now not a single Latin country had one of those plastic little DPI cards Now every country issues them So then what did they use before? Everyone had what was called a Sedula a little cardboard fold-over card and they were just way too easy to falsify The other problem is that each individual Latin country has its own states or departments. For example, Guatemala has 22 Mexico 32 So depending which department or state you lived in you went down to the municipality and they'd issue that ID
[23:03] Document the Sedula that cardboard deal I'm talking about by the way That's what you'd show when you went to the voting booth So little by little as Latin countries got more and more computerized when finally all the states in a Latin country Were in a common database. That's when they ended up dumping the cardboard Sedula Now before when there was just a Sedula and no plastic DPI There was no way to tell if you happen to be in another state or department Then where it was issued if it was real or not So in the old days if you had one of those cardboard settlers You could use that as a form of identification anywhere in banks signing and writing up contracts buying a house car getting a driver's license Passport etc. So as you might imagine with those little cardboard settlers so easy to falsify
[23:51] Voting and election fraud were rampant again because governments computerized slowly and there was no central database Now that's not to say the new plastic DPI's can't be counterfeited They can be in our falsified once in a while, but they show up as false under scrutiny in our red flag right away However, there are some dodgy ones floating around that actually passed the computer scan test But they were created from the inside an inside job. Hey, what do you expect? This is Latin America where both presidents and vice presidents spend four years in office and four years in prison That's how it should be in the US don't you think and now an email from Edgar He says Johnny if you haven't heard the news yet Anti-vaxxers are now being spoken of as terrorists
[24:39] I thought you might want to talk about this a little on the show and then maybe Suggest that people who aren't into vaccinating their kids start thinking about getting the hell out of dodge soon That is before they're treated like terrorists themselves by the US government Yep, if you've been searching or blogging on anti-vaccine sites You're certainly on those lists and when anti-vaxxers are considered full-fledged terrorists See how fast the government pulls your passport then forget about that plan B because you'll never get out Alright, thanks for that Edgar. And of course, I've been asked many times if I believe in vaccines or not Well, if I was a dad, which I'm not I'd say there are very few vaccines Maybe none that I'd let someone administer to my kid But remember I came from an age when we got maybe seven or eight vaccines total unless you went into the military
[25:30] Now I understand it's over 60 and when I was a kid the word autism just didn't exist or it never came up Neither did a DD or the other hundreds of melodies kids are afflicted with these days. Sure I remember there are always one or two oddballs in the classroom kids who were hyper didn't pay attention had a hard time Concentrating didn't conform like good little robots made trouble for the teachers seemed like they were on speed I was one of them. Meanwhile me and my bunch got our seven or was it nine vaccinations and the kids today I just looked it up between 50 and 70 depending how you count them And finally, I got a little video message here from Bob and OHA the extremely dry altiplano in
[26:19] shoes don't rot His video shows how he nicely ventilated his existing house He had to take a sledgehammer and bust out a few ceiling level cement blocks. Of course. He didn't leave a raw hole He detailed it out quite nicely something many Latinos probably wouldn't bother doing but that little effort turned out to be his way Of getting rid of the humidity and allowing for enough air movement so that mold and mildew don't build up by the way You longtime listeners have probably heard me say on past shows That's how I ventilate closets in Latin America. I make sure I've got louvers in the door for air movement Then you really should knock out a cement block or two right below ceiling level so that your closet has constant passive airflow That's good But it still might not be quite enough
[27:04] Best humidity hack of all is to put a skylight in your closet Of course, that's not possible if you have a multi-story house and your closets are on the first floor But man even if you've got a small skylight say one foot by one foot It's the best closet humidity mold and mildew fix there is by the way I put skylights in storage rooms that have tools and stuff too That is the best way to stop the rust or at least slow it down You've been listening to the expat files living in Latin America If you need some help with your own plan B, you can schedule a one-on-one phone call with me But first download my free plan B questionnaire at www.thenewexpat.com Better yet if you want to get your plan B going from right up there in the states Just sign up for my 9-hour expat essentials course
[27:52] Get the perfect plan B blueprint by going to the expat files.com slash Academy. Los bemos