Understand sh!t happens, and if so, you don't go to a foreign country to retire, unless that is your only choice. Can't see TH being that, and if in dire strates to begin with, how the hell did you ever discover TH. International holidays were only in my budget, since I worked for airlines, and damn near free flights. I was poor, so escaped 2 divorces before 34 yrs old. No assets really to lose. Besides, wife #2 had way more income than myself. Plus for me was, NO KIDS, so I could be irresponsible and silly up to, and after retirement. Wee one here, really slowed me down, and I understood only then, hmm, I may have to be responsible & start to act my age. Playing single parent does that. Hat's off to the ones that did that, balanced a job, kid, and took care of household. Especially if the kid turned out productive. Easy for me, had all the time & money needed.