Peddicord knows this territory or territories.

The Baltimore native has lived and worked abroad for more than 30 years, in multiple countries.

(She currently splits time between Paris and Panama.

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Most Americans who consider moving overseas in retirement do so for budgetary reasons, Peddicord says.

What are you going to do that’s going to make you excited about getting up each morning?"

Selections are listed alphabetically.

Valencia, Spain

Abruzzos hook is that it is straight-up authentic Italy, but a bargain.

Potential drawbacks:You have to learn Italian.

It is very local Italy, Peddicord says.

Blond woman in 50s stands in a green meadow mountain valley

Health care infrastructure in southern Italy is also less developed than in the more affluent north.

You may need to travel if you have major medical needs, such as a chronic condition.

Panama uses the U.S. dollar, so theres no currency-exchange risk.

Map of Abruzzo, Italy

Health care is world-standard (especially dental care, which draws medical tourists).

Second, Boquete is in temperate, mountainous western Panama.

In Boquete, youre removed from all that.

View at the Caldera river

There are, I think, more foreign retirees in Boquete than local Panamanians.

Its not a typical village anymore.

Its something else, and thats not bad, [but] it might be unexpected.

Map of Boquete, Panama

Its a really atmospheric, nice place to spend time.

Map of Braga, Portugal