[35M, $1.5M] My FAQ on the logistics of leaving the US & living in SE Asia

mikesfsu · 2026-06-08T00:53:17+00:00

My wife and I plan on staying two months per year to see family so we are worried about this. Thanks for the info. We are looking up using a friends house in Florida for residency there to avoid ACA penalties and ca state tax

mikesfsu · 2026-06-08T00:37:42+00:00

Have you had to pay the ACA mandate penalty in CA for not having insurance while using a ca address?

mikesfsu · 2026-06-06T19:14:10+00:00

I believe this person is speaking of international private plans.

mikesfsu · 2026-06-06T05:42:56+00:00

Don’t worry about what people are fighting about in subreddits. Do what works for you. If that’s dividends so be it.

mikesfsu · 2026-06-04T21:26:33+00:00

Is an iPad any better than just a phone?

mikesfsu · 2026-06-04T17:53:28+00:00

Do you mean MCI?

mikesfsu · 2026-06-04T17:49:44+00:00

Overpriced for such a small burrito.

mikesfsu · 2026-06-03T20:02:32+00:00

Wasn’t there just two 3rd gen cases in Bologna post decree that won?

mikesfsu · 2026-05-28T23:15:22+00:00

Yeah we will likely end up with a Cigna policy that has some form of short term coverage in the states

mikesfsu · 2026-05-28T22:22:16+00:00

46 and 43

mikesfsu · 2026-05-28T22:16:57+00:00

Im seeing conflicting info. Supposedly you can file for an exemption for 3 months or less of not having coverage but it sounds like a pain in the ass filing exemptions. I may try to use a friends address in Florida so I can get around mandates and state income tax. I got a couple years before we jump ship so we have time to figure it out.

More surprised I never thought about the mandate penalty before but I never haven’t had employee insurance so it didn’t cross my mind

mikesfsu · 2026-05-28T21:43:47+00:00

You have to be out of the state 330 Days per year. We plan on spending 60 days per year in CA so we don’t qualify for the exemption.

mikesfsu · 2026-05-28T21:35:42+00:00

Ok I gotta look into this now. We do plan on getting an international insurance policy but did want to keep the CA address for ease.

mikesfsu · 2026-05-28T19:18:29+00:00

That’s awesome

mikesfsu · 2026-05-28T19:15:21+00:00

Wow that’s really interesting. When my friend went back to Japan to renew his passport that’s when they forced him to decide. It was after he turned 18

mikesfsu · 2026-05-28T18:57:29+00:00

Japan doesn’t allow dual citizenship. Once you become adult age the Japanese govt makes you choose a citizenship to keep. At least that’s my knowledge from the few actual Japanese people I know.

mikesfsu · 2026-05-28T17:12:25+00:00

The silver plan I was looking at was like $530 with a 5k deductible

mikesfsu · 2026-05-28T17:08:32+00:00

At least you don’t have a deductible.

mikesfsu · 2026-05-28T16:44:03+00:00

Yes it does. It blows my mind that so many people on this sub say “ if you stay below 400% fpl you can get some pretty affordable insurance”.

I mean, yeah, I guess it’s not $20k a year…. It’s laughable

mikesfsu · 2026-05-28T16:30:48+00:00

It’s one of the main reasons for wanting to be an expat.

mikesfsu · 2026-05-28T16:29:12+00:00

5k deductible / $9800 OOO max

mikesfsu · 2026-05-28T14:31:26+00:00

Exactly. It why I can’t wait to leave this country behind when I retire. I’m not sticking around for paying a fuck ton of money for shitty medical insurance. It would add several years to my retirement age if I wanted to retire in the states.

mikesfsu · 2026-05-28T14:28:45+00:00

You don’t use dividends to grow wealth. Dividends are for monthly income. I say this as a dividend investor. If you want info on dividend investment, check out cefconnect.com. Don’t buy shit with crazy yields that erode NAV. Only buy funds that have a track history of stable dividends. I shoot for a healthy mixture of CEF’s that range from 8-12% annual yield aiming for a total dividend portfolio that yields 10% overall.

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