Moving Abroad: What Happens to Your Taxes, Accounts and Pension
People plan an international move around visas, flights and shipping, and discover the financial half of it afterwards, usually by letter. Which country taxes you, what you still owe the one you left, which accounts survive the move and which get quietly closed — none of that resolves itself, and for Americans in particular the answer is stranger than almost anyone expects. This guide walks through tax residence, double taxation, reporting your foreign accounts, what happens to retirement money, pensions across borders and the exit charges some countries apply on the way out.
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A quick primer on the questions almost everyone has when they start taking money seriously.
Start with a single month's budget so you can see where your money actually goes, then build a small starter emergency fund of about one month of expenses. Those two moves create the stability that makes every later decision — investing, paying off debt, negotiating a raise — far less stressful.
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