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Interview with an American Expat who moved to France and is living on retirement income.
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22 Comments
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In addition to staying through a winter, also stay during August in Paris. 😅
Please provide advise on finding an accountant in Paris who is familiar with the USFR tax treaty.
Is American retirement income taxable in France? The answer is at 22:35 that the U.S. and France have signed a tax treaty that exempts American retirees from paying tax in France. The agreement is in Article 18 of the U.S.- France Income Tax Treaty of 1994.
It's always delightfuyl to see a radiant preson. Is it possible to know where COnnie is from in the US?
Doctolib app is an amazing way to find and book a doctor….
Doctors are cheap in france and so is medicine…you dont really need insurance for dau to day things…if you get a visa in France you need medical private insurance until you get a carte vital if you get one..
At minute 23:24, when you say France does not tax your "Retirement" are you meaning they do not tax your US Social Security only… which does not include US private pensions such as California's CalPERS?
What happens when you die?
This makes me smile, seeing my pal Connie on here like this! 🙂
What about Australians on a UK passport- UK citizen, Australian resident?
Good info- thank you.
@26.34 what's an impasse?
What's a carte blanche?
Bonjour.
Je suis fier de ce qui reste ďu système de santé français, basé sur la solidarité et les cotisations des employeurs et des salariés. Quelle est lap contribution d'un immigré (expat 😊) états unien, qui n'a cotisé sur rien durant sa vie entière- ni ses employeurs? Pire, ceux dont la retraite est basée sur les fonds de pension, dont le rêve est de privatiser la sécurité…
In Cannes for exzmple there is many russian expats my friend knows a woman tatyana with her kids , and also orthodox church and also russian restaurant " Thobolsky ".
interesting post. good for you Americans but there is a lack of reciprocity that does not sound very fair. for instance when i was working in the US i paid to the social security but was not eligible, as you have to pay 10 full years (not 3 months!), before being eligible. something is very wrong here. and i've stayed 7 years and once i lost my job i had 4 weeks to leave the US. it was not "you've stayed 5 years and paid taxes, you can apply to a green card", or even "you have 6 month to arrange your stuff and maybe find another job, or leave". no. you are told you have 4 weeks to pack up and leave. kind of unbelievable this lack of reciprocity. insulting even. where does this come from?
so this thing about " the many difficulties of the French administration" you mentioned is not very serious, as Americans probably have no idea of what exists in their own country and what foreigners have to go through. and it is not that you have to fill out a form or queue up here and there, there is just no pathway even. and to renew a visa you are required to leave the US and make a physical appointment at a us embassy outside of the US…talk about "difficulties made by the administration"…you are not any better really if you ask me…lol…i mean you can criticize the French system of course, but you should get to know how it is going on in your own country for the same reciprocal situation, otherwise the criticism of an "American citizen" specificly towards the "French administration" is meaningless. deep down, true the administration is a big thing over here, but France is extremely well administered if you look carefully, and foreigners are treated with a lot of respect, comparatively.
also i would advise Americans to get to know the taxes in France. not only for everyday life (and the yearly paperwork), but for inheritance especially, because you are in for a ride if you dont know about it.(very often french people dont even know the laws and are surprised by these laws). i personally think the inheritance is very fair in France, but you could be surprised. for instance if you buy a house as a couple and say the husband dies, the widow does not have taxes to pay (just notary fees) but the children will have to pay a tax that is sometimes seen as surprisingly high (around 10 percent of the value of the whole house to be paid by the children to the equivalent of the irs).
also after the death of say the father, both the children and the widow co-own the house, but at a different level. the widow is the true owner of the place, as she can live in it, invite the children or forbid them to live with her. she can also leave the house uninhabited, or rent it and keep all the money for herself. but she will not be allowed to sell the house without the agreement-consent of the children, and this is a very very important thing to know about; and she is required to do all repairs necessary so that it is in the same state when she dies.
of course the children cannot force the selling of the house neither. also you cannot disown your children, ever. you can give a little bit less and something to a charity, or chose to give a little bit more to one of them, but they will always inherit (although if there are only debts they can refuse the inheritance). it is, i believe, a wonderful thing as there are safeguards to protect both sides, but you are limited in your "freedom" , simply because you are not the sole owner of your home after the first person dies.
say the widow wants to sell the house and return to the US, if the children do not agree, she will not get to do that. also, even if all agree to sell the house, the children will have a chunk of the money (as they paid a significant tax to become owners), and the widow does not get to keep the whole sum. Again, be aware of that and consult a specialist about this before your move, and specifically ask about the inheritance laws and what to do. at least it is the case for French nationals. i dont believe Americans can escape it if you are fiscal residents in France, but there may be loopholes for you. just inquire about it so there will be no surprise.
this is not that people dont want to become doctors in France. it is that during the baby boomers years, far too many doctors were trained, there was not any restriction in the number of physicians trained. and to protect their income, too few doctors were trained in the next generations (starting in the 80s), with a system called "the numerus clausus".There were very little places available, and if you failed the exam you were forever excluded from the medical studies. When 100 000 would have been required to be trained to follow the demographics, only 40 000 were trained. and the system remained in place for 30 years
now that the baby boomers are retired or in the process of retiring, there is a tremendous lack of doctors, and doctors from other countries are even hired nowadays by the thousands, and still this is not enough. that was all predictable. and very sad for those who dreamed to become physicians and were forbidden. Each time you see that a doctor would be required and that a given town cannot find one, there is a French man or woman that was rejected for that field and had to change his or her life-plans. and this is a kind of profession where it is deeply with you
I just came back from paris, i am 70 and retired and ready to come back. For a longer stay.
What a knowledgeable person! Thank you both ❤. Very informative and helpful.
It is not a covid thing!
IT is the Numerus Clausus put into place by this dear mme Veil as a minister of Health 45 years ago !!!
Connie is a hero to dreamers. Don’t let your age limit you, keep chasing after your heart and the life you envision for yourself in spite of your age or the obstacles confronting you. Happiness is still within reach but you have to be brave and have the courage to fight for your dreams and put in the work, map out a plan, and make the effort to execute it. No offense to the red scarf lady but her opinions hold less value as it was much easier for her; the transition was far more seamless and less of a struggle bc she not only has a partner to do this move with but he is of French heritage, so she is able to lean on her French husband. I must discount everything she says bc she didn’t do it on her own and doesn’t know the real hardship of moving abroad by yourself esp if you don’t know a single person or speak the language. Red scarf lady has a French husband to defer to and navigate Parisian life for her and take on every responsibility for her that she is unable to perform as she doesn’t speak French. Red scarf lady wouldn’t be able to initially move to/survive in Paris without her husband, Antoine, not at first at least. It’s a vastly different experience when you’re moving abroad on your own vs w a partner/companion. But Connie is doing this on her own, making this move at 69, retiring in France, solely dependent on herself, and not relying on a man or spouse! She had to navigate and figure out everything by herself and did not have a partner for emotional/logistical support or to lean on for help. She’s not a spring chicken, that takes so much courage to do at 69! She did it all on her own in her golden years, wow!! A courageous, independent woman at her core! What an adventurous spirited female, fearless and full of dreams and heart! She’s not rich but she managed to make this life changing transition at 69 all on her own without a companion or life partner to lean on esp during challenging and or distressing, hard moments. Also, Connie is fluent in French, has clearly and thoroughly done her research, made the brave and courageous effort, and is truly wise and knowledgeable. A hero to all expat dreamers.❤
Thank you ladies for your wonderful input about moving to France. I have been on the fence considering if I wanted to relocate to Europe from the States. Hearing your experience has been so helpful and freeing. Next year I plan to come over start the search for the idea region to call home. Current events in America has given my plans extra motivation. It's time to go. Thank you for sharing your experience traveling.