The Hidden Costs of Retiring in the Philippines (Nobody Talks About These)

Everyone says the Philippines is paradise, cheap living, friendly people, postcard beaches. But after two years of research and planning my own move, I’ve discovered the hidden costs no one mentions. In this episode, I unpack the real financial and emotional price of retiring in the Philippines - from visa deposits and travel to culture shock, from power bills to peace of mind. This isn’t about fear, it’s about honesty. Because moving abroad should come with open eyes, not rose-tinted spectacles. Watch till the end for real numbers, real lessons, and what “affordable” retirement really looks like. In this video, I cover: 0:00 - Intro 0:36: The Visa Reality 4:18 - The Hidden Expenses 7:26 - The Culture Shock Tax 11:24 - The Honest Maths 13:12 - So... What Now? #RetiringInThePhilippines #LifeAbroad #MovingToThePhilippines #SpenceUnpacked #ExpatJourney #RealCostOfLiving