The Bougie Expats Tue, 07 Jul 2026 11:21:02 -0400 https://www.buzzsprout.com/2598515 en-us © 2026 The Bougie Expats yes 3d8b0461-ff25-5e18-91b6-7057070255d7 Sable episodic false Welcome to The Bougie Expat Podcast, a show for Black women over 40 who are ready to imagine a different kind of life abroad.


Hosted by Sable, your bougie girlfriend, this podcast speaks to the woman who has spent years showing up for everyone else — family, friends, work, and responsibilities — and is now asking, “What do I want my next season to look like?”


Through honest conversations and lived experience, Sable shares what it really takes to relocate abroad with clarity, confidence, and intention. Having lived and worked in more than seven countries across four continents, she brings real insight into the emotional, financial, and practical side of building a life overseas.


Each episode will cover topics like relocating abroad, planning your money, managing fear, leaving behind familiar routines, building a clear vision, and creating a life where you are thriving instead of simply getting by.


If you have been quietly thinking about moving abroad, starting fresh, or choosing yourself in this next chapter, this podcast is for you.

Subscribe to The Bougie Expat Podcast and join Sable for conversations about freedom, relocation, reinvention, and living abroad with purpose.

]]> Buzzsprout (https://www.buzzsprout.com) Sable https://storage.buzzsprout.com/cz74a8q74qg031rz8lwuw7gojn65?.jpg The Bougie Expats https://www.buzzsprout.com/2598515 Ep 11: One Year After Being Fired_ My Life on One-Third of My Salary Ep 11: One Year After Being Fired_ My Life on One-Third of My Salary One year ago, Sable received an unexpected email that changed everything. Within moments, a successful career she loved was suddenly filled with uncertainty, administrative leave, and the possibility that life as she knew it was coming to an end.

In this episode of The Bougie Expat Podcast, Sable reflects on the one-year anniversary of losing her government job and shares the deeply personal journey that followed. She opens up about navigating uncertainty, managing fear and chaos, making the decision to accelerate her five-year relocation plan, and ultimately building a completely new life in Panama.

This is not just a story about losing a job. It's a story about resilience, reinvention, and discovering that the life waiting on the other side of uncertainty may be better than the one you planned.

Sable shares what it felt like to leave behind a predictable salary, relocate to a country she had never visited before, rebuild her financial life, and learn that living well often requires far less than we imagine. She also discusses the emotional and practical realities of creating a new routine, finding community, embracing a slower pace of life, and turning an unexpected ending into what she now calls her "lemonade life."

This episode is for Black women over 40 who are facing career transitions, considering moving abroad, recovering from unexpected life changes, or wondering whether it is possible to create a meaningful and financially sustainable second act.

In This Episode

  • One year after unexpectedly losing her job
  • The HR meeting that changed everything
  • The shock of being placed on administrative leave
  • Living through months of uncertainty, hiring, firing, and ambiguity
  •  Why you get to decide how to respond to chaos
  • Accelerating a five-year relocation plan to move to Panama
  • Facing the reality of age bias and career reinvention
  • Why Sable chose not to return to traditional employment
  • Moving to a country she had never visited before
  • The importance of trusting your resilience and problem-solving abilities
  • The reality of arriving in a new country with no friends or support system
  • Finding a home under budget and building a new life
  • Transitioning from a predictable salary to multiple income streams
  • How relocation completely changed her spending habits
  • Building a new daily routine and redefining lifestyle priorities
  • Eliminating major expenses and living comfortably on less
  • Discovering the benefits of a slower, more restful life
  • The unexpected health improvements that came with relocation
  • Learning that living well often costs much less than expected
  • Building community, friendships, and a fulfilling social life abroad
  • Reflecting on one year of creating a completely new life
  • How losing something important became the beginning of a "lemonade life"
  • Why you'll never know what's possible until you take the leap


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> One year ago, Sable received an unexpected email that changed everything. Within moments, a successful career she loved was suddenly filled with uncertainty, administrative leave, and the possibility that life as she knew it was coming to an end.

In this episode of The Bougie Expat Podcast, Sable reflects on the one-year anniversary of losing her government job and shares the deeply personal journey that followed. She opens up about navigating uncertainty, managing fear and chaos, making the decision to accelerate her five-year relocation plan, and ultimately building a completely new life in Panama.

This is not just a story about losing a job. It's a story about resilience, reinvention, and discovering that the life waiting on the other side of uncertainty may be better than the one you planned.

Sable shares what it felt like to leave behind a predictable salary, relocate to a country she had never visited before, rebuild her financial life, and learn that living well often requires far less than we imagine. She also discusses the emotional and practical realities of creating a new routine, finding community, embracing a slower pace of life, and turning an unexpected ending into what she now calls her "lemonade life."

This episode is for Black women over 40 who are facing career transitions, considering moving abroad, recovering from unexpected life changes, or wondering whether it is possible to create a meaningful and financially sustainable second act.

In This Episode

  • One year after unexpectedly losing her job
  • The HR meeting that changed everything
  • The shock of being placed on administrative leave
  • Living through months of uncertainty, hiring, firing, and ambiguity
  •  Why you get to decide how to respond to chaos
  • Accelerating a five-year relocation plan to move to Panama
  • Facing the reality of age bias and career reinvention
  • Why Sable chose not to return to traditional employment
  • Moving to a country she had never visited before
  • The importance of trusting your resilience and problem-solving abilities
  • The reality of arriving in a new country with no friends or support system
  • Finding a home under budget and building a new life
  • Transitioning from a predictable salary to multiple income streams
  • How relocation completely changed her spending habits
  • Building a new daily routine and redefining lifestyle priorities
  • Eliminating major expenses and living comfortably on less
  • Discovering the benefits of a slower, more restful life
  • The unexpected health improvements that came with relocation
  • Learning that living well often costs much less than expected
  • Building community, friendships, and a fulfilling social life abroad
  • Reflecting on one year of creating a completely new life
  • How losing something important became the beginning of a "lemonade life"
  • Why you'll never know what's possible until you take the leap


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19421574 Thu, 02 Jul 2026 07:00:00 -0400 956 moving abroad, expat life, career transition, relocation story, life after job loss, retirement abroad, Black women over 40, reinvention, financial freedom, Panama expat, living abroad, career change, starting over, expat lifestyle, overseas retirement, i 1 11 full false Ep 10: The $100K Relocation Mistake Black Women Over 40 Make Ep 10: The $100K Relocation Mistake Black Women Over 40 Make What if the biggest mistake you make when moving abroad isn't choosing the wrong country, but moving before you're financially and strategically ready?

In this episode of The Bougie Expat Podcast, Sable breaks down what she calls the "$100,000 Relocation Mistake" that many smart, successful women make when pursuing life abroad. It's not a mistake caused by a lack of intelligence or ambition. It's a mistake driven by overwhelm, burnout, frustration, or the fear of missing out.

Too often, women make emotional relocation decisions before building the financial foundation, income strategy, and lifestyle plan needed to sustain their new life overseas. Sable explains how relocating without a clear plan can lead to costly mistakes, from choosing the wrong country and visa to draining retirement accounts and living off savings that were meant for the future.

She also shares practical strategies for avoiding financial pitfalls, building a strategic exit plan, rebuilding income streams before relocating, and designing an international lifestyle that aligns with your personal goals, values, and long-term vision.

This episode is for Black women over 40 who are considering moving abroad, retiring overseas, or creating a strategic plan to build a financially secure and fulfilling life abroad.

In This Episode

  • Why smart and successful women make the "$100,000 relocation mistake"
  • How burnout, frustration, and FOMO lead to emotional relocation decisions
  •  The many reasons women choose to move abroad
  • Why relocating before rebuilding your income can become a financial disaster
  • The hidden costs that make relocation far more expensive than expected
  • Why choosing the wrong country can cost thousands of dollars
  • How selecting the wrong visa creates long-term financial problems
  • Why shipping the wrong belongings wastes money
  • The dangers of relying on retirement savings too early
  • Questions you must answer before choosing a country
  • How your desired lifestyle should determine your relocation destination
  • Why travel preferences and accessibility matter more than you think
  • How to determine exactly how much money you'll need abroad
  • The importance of creating an income strategy before relocating
  • Real examples of people who moved impulsively and paid the price
  • The tax implications many expats fail to consider
  • How to build a strategic exit timeline before moving abroad
  • Why businesses should generate income before you relocate
  • Why relocation should be your third step, not your first
  • How to avoid becoming lost after arriving in your new country

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> What if the biggest mistake you make when moving abroad isn't choosing the wrong country, but moving before you're financially and strategically ready?

In this episode of The Bougie Expat Podcast, Sable breaks down what she calls the "$100,000 Relocation Mistake" that many smart, successful women make when pursuing life abroad. It's not a mistake caused by a lack of intelligence or ambition. It's a mistake driven by overwhelm, burnout, frustration, or the fear of missing out.

Too often, women make emotional relocation decisions before building the financial foundation, income strategy, and lifestyle plan needed to sustain their new life overseas. Sable explains how relocating without a clear plan can lead to costly mistakes, from choosing the wrong country and visa to draining retirement accounts and living off savings that were meant for the future.

She also shares practical strategies for avoiding financial pitfalls, building a strategic exit plan, rebuilding income streams before relocating, and designing an international lifestyle that aligns with your personal goals, values, and long-term vision.

This episode is for Black women over 40 who are considering moving abroad, retiring overseas, or creating a strategic plan to build a financially secure and fulfilling life abroad.

In This Episode

  • Why smart and successful women make the "$100,000 relocation mistake"
  • How burnout, frustration, and FOMO lead to emotional relocation decisions
  •  The many reasons women choose to move abroad
  • Why relocating before rebuilding your income can become a financial disaster
  • The hidden costs that make relocation far more expensive than expected
  • Why choosing the wrong country can cost thousands of dollars
  • How selecting the wrong visa creates long-term financial problems
  • Why shipping the wrong belongings wastes money
  • The dangers of relying on retirement savings too early
  • Questions you must answer before choosing a country
  • How your desired lifestyle should determine your relocation destination
  • Why travel preferences and accessibility matter more than you think
  • How to determine exactly how much money you'll need abroad
  • The importance of creating an income strategy before relocating
  • Real examples of people who moved impulsively and paid the price
  • The tax implications many expats fail to consider
  • How to build a strategic exit timeline before moving abroad
  • Why businesses should generate income before you relocate
  • Why relocation should be your third step, not your first
  • How to avoid becoming lost after arriving in your new country

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19421224 Tue, 30 Jun 2026 07:00:00 -0400 747 moving abroad, expat life, retirement abroad, relocation planning, financial freedom, passive income, international relocation, Black women over 40, expat finances, retiring overseas, relocation strategy, financial planning, living abroad, overseas retire 1 10 full false Ep 9: My 3 Income Streams Abroad at 62 No 9–5 Needed Ep 9: My 3 Income Streams Abroad at 62 No 9–5 Needed You’re ready to make a big move abroad. You’ve imagined the lifestyle, the freedom, and the financial flexibility that comes with it. But there is one question that quietly stops many people in their tracks: how exactly are you going to afford it?

In this episode of The Bougie Expat Podcast, Sable breaks down the real financial foundation behind relocating abroad and why most people underestimate what they already have working in their favor.

While many assume that moving overseas requires massive wealth or a dramatic leap into uncertainty, Sable shares how she structured her life long before her move. From living in an expensive area while still saving aggressively, to intentionally living on half her salary, she explains how discipline, planning, and multiple income streams created the freedom to relocate with confidence.

She also reveals the income sources many people forget they already have, including pensions, retirement accounts, social security eligibility, rental income, and long-term investments. This episode challenges the belief that you need to start from scratch financially before moving abroad.

Beyond traditional income, Sable also explores how assets like real estate, savings strategies, and alternative investing approaches can continue generating income even after you relocate. She introduces ideas like hard money lending and self-directed retirement investing as examples of how money can keep working while you live overseas.

This episode is for Black women over 40 who are planning retirement abroad, considering relocation, or trying to understand whether they truly have enough financial security to take the leap.

In this episode you'll learn:

  • The question everyone asks about affording a move to Panama
  •  Living in an expensive area while still building financial stability
  •  Working income alongside building passive income early
  •  Choosing to live on only 50 percent of salary
  • A full year of not buying new clothes and shifting spending habits
  • Forgetting about social security eligibility
  • Overlooking pension income from past employment
  • Hidden retirement accounts like 401k and IRA savings
  • Setting a personal financial survival number before relocating
  • Rental property income and long-term investment strategy
  • Building income streams through a relocation-focused community
  • Introduction to hard money lending as an income strategy
  • Using savings as a tool for return instead of only withdrawal
  • Why traditional savings accounts may not be enough
  • Knowing when to seek guidance before retirement decisions
  • The cost advantage of moving and living abroad

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> You’re ready to make a big move abroad. You’ve imagined the lifestyle, the freedom, and the financial flexibility that comes with it. But there is one question that quietly stops many people in their tracks: how exactly are you going to afford it?

In this episode of The Bougie Expat Podcast, Sable breaks down the real financial foundation behind relocating abroad and why most people underestimate what they already have working in their favor.

While many assume that moving overseas requires massive wealth or a dramatic leap into uncertainty, Sable shares how she structured her life long before her move. From living in an expensive area while still saving aggressively, to intentionally living on half her salary, she explains how discipline, planning, and multiple income streams created the freedom to relocate with confidence.

She also reveals the income sources many people forget they already have, including pensions, retirement accounts, social security eligibility, rental income, and long-term investments. This episode challenges the belief that you need to start from scratch financially before moving abroad.

Beyond traditional income, Sable also explores how assets like real estate, savings strategies, and alternative investing approaches can continue generating income even after you relocate. She introduces ideas like hard money lending and self-directed retirement investing as examples of how money can keep working while you live overseas.

This episode is for Black women over 40 who are planning retirement abroad, considering relocation, or trying to understand whether they truly have enough financial security to take the leap.

In this episode you'll learn:

  • The question everyone asks about affording a move to Panama
  •  Living in an expensive area while still building financial stability
  •  Working income alongside building passive income early
  •  Choosing to live on only 50 percent of salary
  • A full year of not buying new clothes and shifting spending habits
  • Forgetting about social security eligibility
  • Overlooking pension income from past employment
  • Hidden retirement accounts like 401k and IRA savings
  • Setting a personal financial survival number before relocating
  • Rental property income and long-term investment strategy
  • Building income streams through a relocation-focused community
  • Introduction to hard money lending as an income strategy
  • Using savings as a tool for return instead of only withdrawal
  • Why traditional savings accounts may not be enough
  • Knowing when to seek guidance before retirement decisions
  • The cost advantage of moving and living abroad

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19387622 Thu, 25 Jun 2026 07:00:00 -0400 493 moving abroad, Panama relocation, expat finances, passive income, retirement planning, financial independence, income streams, wealth building, early retirement, Black women over 40, expat life, investing strategies, rental income, social security, 401k, 1 9 full false Ep 8: I Took Everything… Then Nothing: What 3 Moves Abroad Taught Me Ep 8: I Took Everything… Then Nothing: What 3 Moves Abroad Taught Me You’re ready to move abroad. Your bags are packed, your passport is in hand, and you’re dreaming about your new life overseas. But what if your relocation plans get complicated by something most people don’t prepare for: everything you own and whether it should actually come with you?

In this episode of The Bougie Expat Podcast, Sable breaks down one of the most overlooked realities of international relocation: deciding what to ship, what to sell, what to donate, and what to leave behind when moving abroad.

While most relocation conversations focus on visas, housing, and savings, few people talk about the emotional and practical reality of moving an entire household across borders. Sable shares her personal experience shipping full containers, pallets, and pod shipments across multiple countries, and explains why the “just buy everything when you get there” advice is not always realistic.

She also walks through how to evaluate your belongings with clarity, how to avoid paying for unnecessary shipping costs, and how to prepare for customs, duties, and unexpected port delays. From furniture and appliances to sentimental items and personal care essentials, she explains what is worth shipping and what is better left behind.

This episode is for Black women over 40 who are planning an international move, downsizing for relocation, or creating a strategy for moving abroad with intention, ease, and financial wisdom.

In This Episode

  • Why shipping your belongings can simplify or complicate your relocation
  • How to decide what to keep, sell, donate, or leave behind
  • The emotional challenge of letting go of sentimental items
  • Why photos and cloud storage can replace physical memories
  • How to evaluate furniture quality and suitability for your new country
  • What appliances and household items are worth shipping
  • Why personal care items and toiletries matter in your first 90 days abroad
  • The real cost of shipping including weight, customs, and handling fees
  • Different shipping methods including containers, pallets, and pods
  • Why container shipping comes with risks like damage or loss
  • How customs, duties, and port processes actually work
  • Why timing and holiday schedules matter when shipping internationally
  • How corruption and unexpected fees can affect your shipment
  • Practical packing strategies to protect your belongings during transit


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> You’re ready to move abroad. Your bags are packed, your passport is in hand, and you’re dreaming about your new life overseas. But what if your relocation plans get complicated by something most people don’t prepare for: everything you own and whether it should actually come with you?

In this episode of The Bougie Expat Podcast, Sable breaks down one of the most overlooked realities of international relocation: deciding what to ship, what to sell, what to donate, and what to leave behind when moving abroad.

While most relocation conversations focus on visas, housing, and savings, few people talk about the emotional and practical reality of moving an entire household across borders. Sable shares her personal experience shipping full containers, pallets, and pod shipments across multiple countries, and explains why the “just buy everything when you get there” advice is not always realistic.

She also walks through how to evaluate your belongings with clarity, how to avoid paying for unnecessary shipping costs, and how to prepare for customs, duties, and unexpected port delays. From furniture and appliances to sentimental items and personal care essentials, she explains what is worth shipping and what is better left behind.

This episode is for Black women over 40 who are planning an international move, downsizing for relocation, or creating a strategy for moving abroad with intention, ease, and financial wisdom.

In This Episode

  • Why shipping your belongings can simplify or complicate your relocation
  • How to decide what to keep, sell, donate, or leave behind
  • The emotional challenge of letting go of sentimental items
  • Why photos and cloud storage can replace physical memories
  • How to evaluate furniture quality and suitability for your new country
  • What appliances and household items are worth shipping
  • Why personal care items and toiletries matter in your first 90 days abroad
  • The real cost of shipping including weight, customs, and handling fees
  • Different shipping methods including containers, pallets, and pods
  • Why container shipping comes with risks like damage or loss
  • How customs, duties, and port processes actually work
  • Why timing and holiday schedules matter when shipping internationally
  • How corruption and unexpected fees can affect your shipment
  • Practical packing strategies to protect your belongings during transit


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19387441 Tue, 23 Jun 2026 07:00:00 -0400 1981 moving abroad, relocation planning, international shipping, expat life, overseas relocation, shipping household goods, moving overseas, customs and duties, expat logistics, downsizing, decluttering, international move, Black women over 40, relocation chec 1 8 full false Ep 7: Why Your Passport Could Be Denied Before You Move Abroad Ep 7: Why Your Passport Could Be Denied Before You Move Abroad You're ready to move abroad. Your bags are packed, your passport is in hand, and you're dreaming about your new life overseas. But what if your relocation plans come to a sudden stop because of debt you thought you could deal with later?

In this episode of The Bougie Expat Podcast, Sable discusses one of the most overlooked financial realities of international relocation: the debts that can prevent you from leaving the United States or even cause your passport to be denied or revoked.

While many relocation conversations focus on the cost of living, housing, visas, and savings, few people talk about outstanding financial obligations that can quietly derail your plans. Sable explains how unresolved IRS debt, unpaid child support, and unpaid government repatriation loans can affect your ability to travel internationally.

She also shares practical steps to help you identify potential issues before they become last minute surprises, why financial and legal wellness are essential parts of relocation planning, and how addressing these obligations early can help you move abroad with greater confidence and peace of mind.

This episode is for Black women over 40 who are planning an international move, preparing for retirement overseas, or creating a relocation strategy that includes financial freedom, legal readiness, and long term peace of mind.

In This Episode

  • Why debt deserves a place in every relocation plan
  • The difference between financial readiness and financial freedom
  • How certain debts can affect your passport status
  • Understanding IRS tax debt and passport certification
  • Why unpaid child support can delay or prevent international travel
  • How unpaid government repatriation loans can impact future travel
  • The difference between passport denial, revocation, and renewal restrictions
  • Why checking your IRS account should be part of your relocation checklist
  • How to resolve financial obligations before relocating abroad
  • Why legal and financial wellness are just as important as visas and passports
  • How unresolved debt can affect travel even after you've already moved abroad
  • Practical steps to protect your relocation plans from unexpected financial setbacks

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> You're ready to move abroad. Your bags are packed, your passport is in hand, and you're dreaming about your new life overseas. But what if your relocation plans come to a sudden stop because of debt you thought you could deal with later?

In this episode of The Bougie Expat Podcast, Sable discusses one of the most overlooked financial realities of international relocation: the debts that can prevent you from leaving the United States or even cause your passport to be denied or revoked.

While many relocation conversations focus on the cost of living, housing, visas, and savings, few people talk about outstanding financial obligations that can quietly derail your plans. Sable explains how unresolved IRS debt, unpaid child support, and unpaid government repatriation loans can affect your ability to travel internationally.

She also shares practical steps to help you identify potential issues before they become last minute surprises, why financial and legal wellness are essential parts of relocation planning, and how addressing these obligations early can help you move abroad with greater confidence and peace of mind.

This episode is for Black women over 40 who are planning an international move, preparing for retirement overseas, or creating a relocation strategy that includes financial freedom, legal readiness, and long term peace of mind.

In This Episode

  • Why debt deserves a place in every relocation plan
  • The difference between financial readiness and financial freedom
  • How certain debts can affect your passport status
  • Understanding IRS tax debt and passport certification
  • Why unpaid child support can delay or prevent international travel
  • How unpaid government repatriation loans can impact future travel
  • The difference between passport denial, revocation, and renewal restrictions
  • Why checking your IRS account should be part of your relocation checklist
  • How to resolve financial obligations before relocating abroad
  • Why legal and financial wellness are just as important as visas and passports
  • How unresolved debt can affect travel even after you've already moved abroad
  • Practical steps to protect your relocation plans from unexpected financial setbacks

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19363761 Thu, 18 Jun 2026 07:00:00 -0400 808 moving abroad, relocation planning, passport denial, passport revoked, IRS tax debt, back taxes, child support, international relocation, expat life, financial planning, debt management, retirement abroad, Black women over 40, relocation checklist, legal 1 7 full false EP 6: The Biggest Property Mistakes Women Make When Relocating Abroad EP 6: The Biggest Property Mistakes Women Make When Relocating Abroad 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 Episode

  • Why property decisions are the most expensive relocation mistake
  • The danger of selling your home too quickly without strategy
  • What happens when you keep a property without a clear plan
  • How rental income can support your life abroad if structured correctly
  • Why understanding equity and tax implications is essential
  • The importance of property management for long-distance landlords
  • Why empty homes can become financial burdens over time
  • Understanding primary residence vs investment property rules
  • How taxes, capital gains, and exclusions affect your decisions
  • The risks of buying property abroad emotionally
  • Why you should live in a country before investing in real estate
  • Key factors to evaluate before buying overseas property
  • How liquidity mistakes can leave you cash poor after buying property
  • Why long-term thinking is essential for relocation success
  • The importance of having an exit strategy before you buy or move

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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 Episode

  • Why property decisions are the most expensive relocation mistake
  • The danger of selling your home too quickly without strategy
  • What happens when you keep a property without a clear plan
  • How rental income can support your life abroad if structured correctly
  • Why understanding equity and tax implications is essential
  • The importance of property management for long-distance landlords
  • Why empty homes can become financial burdens over time
  • Understanding primary residence vs investment property rules
  • How taxes, capital gains, and exclusions affect your decisions
  • The risks of buying property abroad emotionally
  • Why you should live in a country before investing in real estate
  • Key factors to evaluate before buying overseas property
  • How liquidity mistakes can leave you cash poor after buying property
  • Why long-term thinking is essential for relocation success
  • The importance of having an exit strategy before you buy or move

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19316120 Thu, 11 Jun 2026 07:00:00 -0400 1441 Relocating abroad, expat real estate, property investment, international relocation, moving overseas, real estate mistakes, women over 40, financial planning, rental property strategy, property management, buying property abroad, selling home strategy, ex 1 6 full false Ep 5: The Financial Side of Moving Abroad Nobody Talks About Ep 5: The Financial Side of Moving Abroad Nobody Talks About 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 Episode

  • Why your income strategy should come before your relocation plans
  • The dangers of making emotional relocation decisions
  • How to assess your savings, investments, and current financial position
  • Why understanding your numbers creates confidence and clarity
  • How ageism can impact career opportunities later in life
  • Using your existing skills to create new income opportunities
  • Consulting, coaching, and fractional leadership as relocation-friendly career paths
  • Why location-independent businesses create greater flexibility
  • The benefits of building a business before you move abroad
  • How a hybrid model of employment and entrepreneurship can reduce financial risk
  • Creating a business or career that is not tied to a specific zip code
  • Why your relocation journey is an opportunity for personal and professional reinvention

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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 Episode

  • Why your income strategy should come before your relocation plans
  • The dangers of making emotional relocation decisions
  • How to assess your savings, investments, and current financial position
  • Why understanding your numbers creates confidence and clarity
  • How ageism can impact career opportunities later in life
  • Using your existing skills to create new income opportunities
  • Consulting, coaching, and fractional leadership as relocation-friendly career paths
  • Why location-independent businesses create greater flexibility
  • The benefits of building a business before you move abroad
  • How a hybrid model of employment and entrepreneurship can reduce financial risk
  • Creating a business or career that is not tied to a specific zip code
  • Why your relocation journey is an opportunity for personal and professional reinvention

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19315846 Tue, 09 Jun 2026 08:00:00 -0400 1079 moving abroad, relocation planning, expat life, black women over 40, retiring overseas, career reinvention, location independent income, remote work, consulting business, entrepreneurship, financial planning, life abroad, digital nomad lifestyle, midlife 1 5 full false Ep 4: How to Leave Corporate and Move Abroad Ep 4: How to Leave Corporate and Move Abroad 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 enjoy

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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 enjoy

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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19297247 Thu, 04 Jun 2026 17:00:00 -0400 1379 leave corporate, move abroad, relocate abroad, Black women moving abroad, women over 40 abroad, expat life, career reinvention, remote work abroad, consulting abroad, fractional leadership, entrepreneurship abroad, side hustle to business, hybrid exit pla 1 4 full false Ep 3: Retiring Abroad: How Much Money Do You Need? Ep 3: Retiring Abroad: How Much Money Do You Need? 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 Info

Guest: Nikia Lawson
Known as: The Tall Money Lady
Focus: Retirement planning, money strategy, and financial education

Connect 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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 Info

Guest: Nikia Lawson
Known as: The Tall Money Lady
Focus: Retirement planning, money strategy, and financial education

Connect 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19149061 Tue, 19 May 2026 08:00:00 -0400 2103 retiring abroad, how much money to retire abroad, retirement abroad, Black women retiring abroad, Black women over 40, moving abroad after 40, expat retirement, retirement planning for women, financial planning abroad, savings for retirement abroad, incom 1 3 full false Ep 2: Expat Taxes for U.S. Citizens Living Abroad Ep 2: Expat Taxes for U.S. Citizens Living Abroad 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19149057 Thu, 14 May 2026 08:00:00 -0400 1835 expat taxes, U.S. taxes abroad, taxes for Americans abroad, living abroad taxes, foreign earned income exclusion, foreign tax credit, double taxation, tax residency, expat tax CPA, digital nomad taxes, retirement abroad taxes, moving abroad taxes, Black w 1 2 full false Ep 1: Moving to Panama at 62 After Job Loss Ep 1: Moving to Panama at 62 After Job Loss 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 abroad


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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 abroad


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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> Sable Buzzsprout-19149056 Thu, 14 May 2026 08:00:00 -0400 1076 moving to Panama, retire in Panama, retiring abroad, Black women moving abroad, Black women over 40, expat life in Panama, Panama City expat, Black expats in Panama, moving abroad after job loss, relocation after 60, women retiring abroad, living abroad a 1 1 full false The Bougie Expats - Official Music The Bougie Expats - Official Music 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

]]> 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:

Facebook
https://www.facebook.com/profile.php?id=61572263316409

Instagram
https://www.instagram.com/thebougieexpats?igsh=MXc2d2FqdHA3MW42bw==

LinkedIn
https://www.linkedin.com/in/sableryan/

YouTube
https://www.youtube.com/@thebougieexpat

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