Why Postpone “The Good Years” ?

July 4, 2009

Why Postpone “The Good Years”?

Since this is being published on the 4th of July 2009 let me first wish my USA readers a Very Happy Independence Day… and my Canadian readers a slightly belated “Canada Day”. North Americans here unite and celebrate both holidays and celebrate our personal freedoms here as well.

Being Independence day leads me to ask you a question… Have you been able to gain your own financial independence yet, your freedom from doing things you would just as soon not have to do?

Or, as blessed as you are to live in a wonderful country with all of the freedoms Americans enjoy do you still feel a little down due to circumstances beyond your control which are keeping you from living a lifestyle you had hoped by now to live?

If this even remotely describes how you may be feeling I highly encourage you to read the following article, There’s light at the end of the tunnel. A LOT OF LIGHT !

Please read on to SEE the Light.

I retired back in 1998 at the age of 57. You’re probably saying to yourself about now, “Well good for you, but times were different then and now I may have to work forever….”

Yes, times are different now and while the current economic crisis in the USA and much of the rest of the world too may make it seem that you will have to work longer and harder than ever to accumulate a retirement nest egg to supplement your pension … that may not be true. Read on to see just why.

When I retired my income went down, but so did my expenses, but I wanted more… a lot more in the way of reduced expenses and a better lifestyle.

After considerable research (which you can profit from) I’ve discovered how to dramatically slash my expenses (well over $24,000 a year) while at the same time improving my overall lifestyle.

Si, Sid y Arce Jan 09 005

Today I live a laid-back international lifestyle in a perfect climate (72 degrees year around average), eat fine cuisine at world class restaurants (for the price of burger, fries and soda), linger on nearby white sand beaches (under 5 hours away by car), can afford domestic help, and enjoy an exotic culture where family values are more important than chasing a dollar … all without giving up the convenience of a modern infrastructure (high speed internet, a nearby international airport and city of 6 million plus inhabitants).

You can do it too. I can help. Yes, even in today’s troubled times.

I’ll show you five places where you can make your dream life a reality… on $1,800 a month for a couple or even less…”

But it’s not just about the money. It’s being able to enjoy an active life style, doing the things you want to do, when you want to do them.

If you’re anything like me it wasn’t easy to slow down, I still stay busy, but it’s at things I like to do, like showing off our beautiful area to visitors and reliving my first visit to Lake Chapala through their eyes.

Of course there are slow periods when the weather is pleasant in North America (It’s always pleasant here of course) when I enjoy lingering over my morning cup of rich local coffee either at home on my veranda overlooking my gorgeous garden filled with exotic flowers and fruit trees…

or at one of the local North American “hangouts” scattered around the area like the Coffee Tree Restaurant (Sort of a Mexican version of a Starbucks, but they roast their own coffee on site).

Sometimes I enjoy walking along the curving cobbled stoned streets in the wooded edition where I live or along the waterfront boardwalk (Malecon) in Chapala just 5 minutes from my home, near the pretty plaza with its fountains, children playing and vendors selling a variety of wonderful smelling foods.


The quiet times like these are great, but when you feel like more excitement there are the regular shows at the Lakeside Little Theater, the various concerts, folkloric dance events or a night out for dinner and dancing to one of the good local bands.

Somehow I still find time to travel, write and show new friends (could this be you) around the beautiful and affordable area where I live.

I’m able to enjoy all of this, to live in what to many is luxury because of one single, critical decision I made… I retired to Lake Chapala Mexico.

Lake Chapala Mexico is a place where the cost of living is very low and my pension dollars stretch in a way they never did back home.

I don’t worry about an uncertain financial future, even though I don’t have much of a nest egg by most standards, but my civil service pension income allows me to enjoy the stress-free luxuries of a wealthy man here and to add to my nest egg.

Many of my friends that have chosen to remain in the USA have told me they plan to “work forever” and that retirement is nowhere on their horizon given that they want to maintain their current standard of living which is comfortable if not luxurious.

They’re like most folks at or near retirement age in that their retirement funds have dwindled through no fault of their own.

Jim, Lyn, Arce y Sid 002

Maybe you’ve been even thinking about postponing your own retirement. If you really like what you’re doing and feel fulfilled and living your dream… Great, why retire ?

But, if you are just hanging in there for a hoped for better time…you don’t have to. Instead, you can follow the lead of an increasing number of Americans and Canadians who now call themselves enlightened expatriates.

Now, don’t get me wrong, I love my homeland and grieve for the current situation there and hope and pray things will get better soon.

I officially retired at age 57 in 1998. Then nine years ago I chose to escape the uncertainty in the USA to live here at Lake Chapala and have never regretted it. In fact, I feel blessed that I made the move before the current economic crisis hit. But, arriving here a bit late is far better than not ever arriving.

Since I made the move, my effective income has even risen over the last few years here. Why? Well a little of it is that my pension has increased some, but the main reason is that the peso dollar exchange rate has improved from around 10 to 1 when I moved here to now approximately 13.5 to 1 as I write this which has increased my effective income about 30%.

So instead of watching my pension buy less and less each year it has actually allowed me to buy more and more each year, because I live here at Lake Chapala. This could change of course, but I believe the exchange rate will always favor the dollar here, and that in my lifetime prices here will always be lower than in the USA or Canada.

Is the Lake Chapala – Ajijic area right for everyone? Definitely not ! But, if you’re still reading this article it almost certainly is for you.

I believe you would really enjoy being immersed in a new culture and lifestyle without having to give up your own culture and the association with others from your own country (There are already an estimated 10,000 to 14,000 of us here from North America) and over a million from the USA in Mexico overall.

We’re from all walks of life, faiths, political persuasions, and backgrounds, just like in the USA and Canada, but we’re unique in one very important way. We decided to take action, to think out of the box a bit, and not just dream about a wonderful stress free lifestyle, but to pursue our dreams until they became reality.

Consider joining us. You can do it. I can show you how.

You may not be able to retire early and live well where you live now, but I bet you could here. Why not come to see for yourself?

Enjoy having a maid and gardener take care of your home… while you travel at your leisure and see the world… or just remain at home here in your small slice of paradise.

The choice is yours. Please don’t just dismiss this article as a fun read and something nice to dream about, because all I’ve talked about really can be yours.

  • A 2,000-square-foot home with 3 bedrooms, 3 baths, and 2 car garage and a beautiful garden full of exotic flowers and tress dripping with luscious fruit for under $200,000
  • Annual property taxes on the above home would run under $70 USD per year
  • If you like to golf, play a round for about $25 USD on a breathtaking course.
  • Utilities including telephone, high-speed internet, gas, water, and electricity… are about $160 per month.
  • A maid three days a week for 5 hours each day runs approximately $127 per month.
  • Chapala Jan 08 Christmas Scenes too 015

  • A meal for two at my favorite local restaurant – complete with a large, freshly prepared entree, drinks and desert… Under $15 including the tip
  • Two tickets to a first run movie. In English $5 USD

I could go on, but I think you get the point. I’ve stressed the low cost of living because that may be what’s holding you back (before you read this article that is) as it is with so many others.

But, don’t forget the year around great weather, the fresh clean mountain air, the beautiful Lake and Mountain views, the friendly people, an active retirement community, and plenty of cultural activities to boot, all within a few air hours of most of the USA and Canada.

So, come give us a look see. You have nothing to lose and a whole new life to gain. Contact me right away while it’s still on your mind.

E mail me today at Sid@ChapalaClub.com with your two or three most pressing questions.

For a personal consultation at no charge call me toll free

Toll Free 1 – 877 514 1396

Please call between 7 pm and 9 pm Central time any Monday, Wednesday or Friday.

Here’s what I want you to do right now while it’s fresh on your mind so you can get on a whole new and better life.

First, highlight this paragraph and print it out and tape it up by your telephone so you’ll remember to call me next

Monday, Wednesday or Friday evening 7 – 9 pm CST so I can share more of my secrets with you and answer your most important questions.

Very Sincerely and “Siempre tu amigo”, Sid

  • Mike McLafferty

    Great post Sid! I think many potential expats are still on the fence because of the US economy and what it has done to their retirement funds. In our area of Florida (high percentage of retirees) it is not uncommon to hear of 35-45% losses to the nest egg.
    It warms the cockles of my wallet to have you quantify some of the financial advantages of living in Mexico. We’ll be down in September to see you.

    All the best and keep up the good work.

  • http://www.chapalaclub.com Sid Grosvenor

    Hi Mike, Thanks so much for your kind words. It’s always great to hear from satisfied readers…. but I also try and profit from critiques as well. I find both very helpful.

    I look forward to helping you any way I can… and there are many ways I can be of help to you here and not just with real estate. My philosophy is that “Friends help friends.” And, you can’t have too many friends.

    Yes, most everything here is less expensive than in the USA or Canada. A few things, like some food items imported from the USA cost more, but on balance most folks find that they can live here for about half of what it cost them to live in the USA or Canada. Some folks save even more.

    All for now. Siempre tu amigo, Sid

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