The Bougie Expats

Moving abroad is often seen as a lifestyle decision, but one of the biggest financial traps happens long before you ever board a flight.In this episode of The Bougie Expat Podcast, Sable breaks down the most overlooked yet expensive mistakes women make when relocating internationally and it has nothing to do with visas, jobs, or even income.It’s property.From selling too quickly, holding onto homes without a clear plan, buying emotionally in a new country, to misunderstanding taxes, rental structures, and long-term ownership strategy, Sable explains why real estate decisions can quietly determine whether your relocation becomes financially freeing or financially draining.She also explores why so many women lose money by acting emotionally, following blanket advice like “sell everything,” or jumping into foreign property markets without understanding the laws, taxes, or long term implications.This episode is especially important for women over 40 who own property in their home country or are considering buying abroad as part of their relocation journey.In this episode, Sable shares key insights on how to think strategically about property so your relocation supports your financial future instead of disrupting it.In This EpisodeWhy property decisions are the most expensive relocation mistakeThe danger of selling your home too quickly without strategyWhat happens when you keep a property without a clear planHow rental income can support your life abroad if structured correctlyWhy understanding equity and tax implications is essentialThe importance of property management for long-distance landlordsWhy empty homes can become financial burdens over timeUnderstanding primary residence vs investment property rulesHow taxes, capital gains, and exclusions affect your decisionsThe risks of buying property abroad emotionallyWhy you should live in a country before investing in real estateKey factors to evaluate before buying overseas propertyHow liquidity mistakes can leave you cash poor after buying propertyWhy long-term thinking is essential for relocation successThe importance of having an exit strategy before you buy or moveThank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

You’re dreaming about moving abroad, but before you choose the country, the beach, the language, or the lifestyle, there’s one question you need to answer first: how will you support yourself financially once you get there?In this episode of The Bougie Expat Podcast, Sable explores one of the most important parts of any relocation plan: your income strategy. She shares why moving abroad is not a vacation but a life transition that requires thoughtful financial planning, especially for Black women over 40 who are considering leaving corporate life and creating a new chapter overseas.Drawing from her own relocation journey, Sable discusses the importance of understanding your finances, evaluating your skills, and creating a plan for earning income before you relocate. She explains why emotional decisions can lead to financial stress and how a clear strategy can help you move abroad with greater confidence and security.Whether you're considering remote work, consulting, coaching, entrepreneurship, fractional leadership, or building a business that isn't tied to a physical location, this episode will help you start thinking differently about your next chapter and how to fund it.This episode is for Black women over 40 who are thinking about relocating abroad, leaving corporate, reinventing their careers, building a business, creating location-independent income, or designing a financially sustainable life overseas.In This EpisodeWhy your income strategy should come before your relocation plansThe dangers of making emotional relocation decisionsHow to assess your savings, investments, and current financial positionWhy understanding your numbers creates confidence and clarityHow ageism can impact career opportunities later in lifeUsing your existing skills to create new income opportunitiesConsulting, coaching, and fractional leadership as relocation-friendly career pathsWhy location-independent businesses create greater flexibilityThe benefits of building a business before you move abroadHow a hybrid model of employment and entrepreneurship can reduce financial riskCreating a business or career that is not tied to a specific zip codeWhy your relocation journey is an opportunity for personal and professional reinventionThank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

You want to relocate abroad, but one question keeps coming up: how will I support myself if I leave my job?In this episode of The Bougie Expat Podcast, Sable breaks down three practical exit paths for women over 40 who want to leave corporate, relocate, and create income that supports their next chapter.Sable shares how to use your existing skills in a new way, build a business before you move, or create a hybrid exit plan while still working full-time. She explains why your exit strategy should begin before you land in your new country, why money needs to be part of your relocation plan from the start, and how your corporate experience can become the foundation for consulting, remote work, fractional leadership, coaching, or entrepreneurship.This episode is for Black women over 40 who are thinking about moving abroad, leaving corporate, building location-independent income, or creating a smoother path into expat life.In This Episode Why your exit plan should start before you relocate  Three paths for leaving corporate and moving abroad  How to use your existing skills in a new way  Remote work, consulting, and fractional leadership options  Why career reinvention can support relocation  How entrepreneurship can become your exit path  Service-based, product-based, coaching, and consulting businesses  Why business structure, sales, and support matter  How to build a side business while keeping your job  Why a hybrid exit can reduce financial pressure  How to save and reinvest business income before moving  Why your next chapter should be built around work you actually enjoyThank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

How much money do you really need to retire abroad?In this episode of The Bougie Expat Podcast, Sable sits down with Nakia Lawson, also known as The Tall Money Lady, to talk about retirement, relocation, savings, income, and what Black women over 40 need to think through before building a life outside the U.S.Nakia shares why retirement planning should start with the life you want to feel, not just a number in your bank account. She and Sable talk about the real cost of retiring abroad, why your monthly budget depends on your lifestyle, and how savings, income streams, investments, pensions, Social Security, and emergency funds all work together.They also discuss why moving abroad is not the same as going on vacation. Your relocation plan should include housing, healthcare, travel, family visits, savings, income, and a clear money plan that supports the life you want.This episode is for Black women over 40 who are thinking about retiring overseas, moving abroad, or creating a more intentional next chapter with financial peace and freedom.This episode is for education and conversation only. It is not personal financial advice.In This Episode How to think about retirement abroad after 40  Why your retirement number depends on your lifestyle  The difference between savings and income  Why three to six months of expenses still matters abroad  How to plan for healthcare, travel, and family visits  Why Social Security, pensions, and retirement accounts need a clear plan  How investments can support monthly income  Why saving alone may not build long-term wealth  The value of trade-offs when working toward a relocation goal  Why self-prioritization matters for Black women planning retirement  How your circle can support your financial goals Guest InfoGuest: Nikia Lawson Known as: The Tall Money Lady Focus: Retirement planning, money strategy, and financial educationConnect with Nikia on social media at The Tall Money Lady.Thank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

If you are a U.S. citizen living abroad, planning to move overseas, or thinking about retirement outside the United States, taxes still need to be part of your relocation plan.In this episode of The Bougie Expat Podcast, Sable sits down with her friend Laura, an expat tax CPA with more than 20 years of experience in international taxes, for a clear conversation about what U.S. citizens need to understand before moving abroad.Laura explains why the IRS still expects U.S. citizens to file taxes while living overseas, how tax residency works, what double taxation means, and why filing does not always mean you will owe. She also breaks down the foreign earned income exclusion, foreign tax credits, the 330-day physical presence test, and why retirement income, passive income, business income, and digital nomad income can all be treated differently.This conversation is especially helpful for Black women over 40 who are planning to relocate abroad, retire overseas, work remotely, or build income streams while living outside the U.S.This episode is not tax advice. It is an educational conversation to help you understand what questions to ask and why speaking with a qualified tax professional before moving abroad can save you stress, money, and major surprises later.In This Episode Why U.S. citizens still need to file taxes while living abroad  What tax residency means for expats  Why filing taxes does not always mean owing taxes  How the foreign earned income exclusion works  The 330-day physical presence test  What double taxation means  How foreign tax credits may reduce U.S. tax liability  Why retirement income and earned income are treated differently  Tax concerns for digital nomads and remote workers  Why LLCs, S corps, and business income need planning before relocation  How unpaid taxes can affect passport renewal or travel  Why every relocation plan should include a tax plan Mentioned in This Episode IRS filing obligations for U.S. citizens abroad  Tax residency  Foreign earned income exclusion  Foreign tax credit  Double taxation  Digital nomad income  Passive income  Retirement income  U.S. passport tax issues  LLCs and S corporations  Portugal  Panama  Laura, expat tax CPA Thank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

At 62, Sable found out she no longer had a job after the shutdown of a U.S. government agency. Instead of trying to rebuild her career in a difficult job market, she asked herself a different question: why not move to Panama now?In this first episode of The Bougie Expat Podcast, Sable shares the real story behind her move from the U.S. to Panama City. What started as a five-year retirement idea quickly became a five-month relocation plan, complete with a one-way ticket, a packed-up home, and a decision to begin again abroad.Sable talks about moving to Panama sight unseen, finding furnished apartments, adjusting to Spanish-speaking daily life, using U.S. dollars, connecting with Black expats, and learning what it really takes to settle into a new country. She also explains why cash flow, community, clarity, and confidence matter when thinking about relocating abroad.This episode is for Black women over 40 who are thinking about moving abroad, retiring overseas, rebuilding after job loss, or creating a more intentional next chapter.In This Episode Why Sable moved to Panama at 62  How job loss pushed her relocation timeline forward  What it was like moving to Panama sight unseen  First impressions of Panama City  Finding furnished apartments abroad  Adjusting to daily life in a Spanish-speaking country  Why Black expat community matters  How cash flow supports relocation  Why clarity and confidence are needed before moving abroad Mentioned in This Episode Panama City, Panama  Black expat community in Panama  Furnished apartments  Uber in Panama  Duolingo  Passive income  Investment income  Retirement abroadThank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957

This is the official music of the podcast The Bougie Expats.Thank you for listening to The Bougie Expat Podcast.If this episode spoke to you, subscribe to the podcast and share it with another Black woman over 40 who has been thinking about relocating abroad, retiring overseas, or designing a new chapter with more freedom, peace, and intention.Join Sable, your bougie girlfriend:Facebookhttps://www.facebook.com/share/1BEgyNv5NM/Instagramhttps://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==LinkedInhttps://www.linkedin.com/in/sableryan/YouTubehttp://www.youtube.com/@sableryan5957