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No one is doubting that it is possible to save enough to retire by the time you’re 50 - as long as the ACA and the open market is viable.

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Just leave the US, problem solved.

I said in another reply, that’s actually a real Plan B. We are going to stay in Costa Rica for 5 weeks starting next week and my wife and I are both learning Spanish now. I’m at around an A2 CEFR level.

I’ve already researched the residency requirements for both there and Panama

There are definite costs to this in terms of continued US taxation as an expat, especially if there isn't a tax treaty in place.

Costa Rica doesn’t tax foreign income. But logically it only makes sense to establish residence there if I am not working. CAJA - their healthcare system would be about the same price as my employer provided healthcare.

I already don’t pay state tax living in Florida and I would pay federal tax either way.

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