Dying for the American Dream

ABOUT Paul Neto

Paul Neto
Tired of living to work, wife and I retired early to hike, bike, volunteer and live in exotic places. We're now living our dream - for the moment in Central America - as we spend our days in the isthmus mountains and our evenings with our hobby.



My wife and I retired at 45, and we're just your regular Joe and Jane. And, no, we did not win the lottery inherit money or invest in schemes. Want to know how we did it?

In today's economy, people are seeing their retirement base - the principle they are using to fund their future eroding or disappearing. Retiring early has truly become an impossible dream to many as they struggle to pay house mortgages and medical bills.
On the other hand, retired people are finding themselves forced back to work, spending long hours on low paying jobs working midnight shifts just to make ends meet.

These are tough times, whether you live in the UK, Germany, France, Canada, the States or other affluent country. For those struggling to pay their bills, the thought of retiring early is ludicrous.

And then there are the idiots like me gloating that they retired at 45. "He got lucky - a good paying job...won the lottery...inherited money...

Wrong. The fact is, for most of us, our situation in life is not the issue preventing us from retiring early. The issue is: fear of the unknown, lack of knowledge on what can make an early retirement possible, and the government's very persistent message that to be truly successful you have to work work work, pay lots of taxes, own your dream home and retire with no less than XXX in your bank account (a million is the usual suggested amount for those in Canada or the States).

Is it possible for the average middle aged working Joe and Jane struggling to pay their mortgages retire early (as in VERY early) and live comfortably?


I and writing this book to share my experiences with you. It has no sales pitches, no condos to buy or real estate to invest in, there are no seminars to pay for or plans to purchase. What it does have is common sense knowledge based on real people's experiences. It is honest, sometimes brutally so. This book does not apply to those who want to get rich quick, or those who don't want to work at all.

It applies to all those who have worked hard but can't find themselves getting ahead, and to those who are young but want to make sensible (and relatively painless) choices so they can live their dreams. Included is help for those struggling seniors who are barely making ends meet and need an alternative, and specifics, with website links on those who have chosen the expatriate route.

How can it be done? What about the medical bills so many are drowning in? Is the American dream really the best way to live? What alternatives are there? How have others done it? How did I do it? What mistakes have some done along the way? How important is it to be financially wealthy?

All of these questions and many more will be considered. Whether you're 25 or 65, the information contained can give you a realistic guideline to follow as you set your goals for a happy retirement.

When wife and I retired early (at 45) and moved to an exotic country, we surprisingly met many who had done the same or who were in the middle of a lifelong goal. Some had taken ten years out of their life to sail the world, others had gone on a continent or even worldwide hiking/biking/motorcycling trip, and although their trip stories were fantastic, I was particularly interested on how they could pull it off. Surprisingly, many were in the same situation I was in - taking advantage of what we had to live our dreams. Others had found ways to live on little or next to nothing and were traveling the world on a $7 per day budget successfully, and more importantly, happily. I thought, 'Hey, this would make a great book!' so I wrote it. Unlike many 'How to' financial success books out there, mine is primarily based on real experiences from regular Joes, just like me.