Picture it: retiring fabulously in Portugal with LGBTQ+ protections, world-class healthcare, and the freedom to split time between Europe and the U.S.—without uprooting your life today. In Queer Money® episode 613, we sit down with Pedro Lino, CEO of Optimize Investment Partners, to unpack the Portugal Golden Opportunities Fund—a SEC-registered, PFIC-compliant mutual fund designed to qualify investors for Portugal’s Golden Visa (residency now, citizenship later). We cover why a Golden Visa can be smart “life-hedging” in uncertain times, how the fund works (stocks/bonds, no real estate), what’s changing in Europe, using self-directed IRAs, costs, timelines, and how one investment can include your spouse, kids, and even parents through family reunification.

Whether your dream is six months in Lisbon and six months stateside, a second passport for your kids’ future, or a values-aligned Plan B if U.S. politics keeps fraying your nerves, this episode gives you the details to decide with confidence.

• A Golden Visa is optionality: live/work/travel in the EU now or later—without leaving the U.S. immediately.
• Portugal is consistently LGBTQ+ friendly, with significantly lower healthcare costs and robust protections.
• The current path is via eligible investment funds (no real estate); fund must meet strict criteria (≥60% PT companies, no real estate, long-only, five-year availability).
• Self-directed IRAs can be used; look for SEC-registered and PFIC-compliant structures to keep U.S. tax/reporting clean.
• One qualifying investment can include spouse, kids, and parents via family reunification, creating a multi-generational Plan B.

• 00:00 – Dream setup & why a Plan B now
• 01:22 – What a Golden Visa actually gives you (residency → citizenship)
• 03:18 – You don’t have to move today: optionality for LGBTQ+ families
• 05:02 – Why Portugal for LGBTQ+ safety, community & healthcare
• 07:10 – Real-estate option removed: what changed and why funds remain
• 10:12 – Inside the Golden Opportunities Fund (eligibility rules, asset mix)
• 13:15 – Returns, risk, and diversification vs. buying a single property
• 16:02 – Using self-directed IRAs; SEC & PFIC compliance explained
• 19:04 – Demand, timelines, and potential policy shifts to watch
• 22:31 – Costs, EUR/USD realities & creative ways families reach €500K
• 26:05 – Family reunification: who can be included under one application
• 28:40 – Downturn strategy: dividend-rich Portuguese market & bonds
• 31:12 – What Optimize handles vs. what U.S. custodians/lawyers handle
• 34:20 – Wrap-up & how to send us follow-up questions

Download your free Happy Gay Retirement Calculator

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Here!

Looking for a country that practically wrote the handbook on LGBTQ acceptance and tops global happiness charts? 🇳🇱 This week on Queer Money, we’re off to the Netherlands — the land of bikes, canals, and unapologetic inclusivity — to uncover the top five Dutch cities for gay retirees.

From Amsterdam’s canal-side rainbow hubs to Eindhoven’s tech-driven calm, we break down where your hard-earned retirement dollars (or euros) stretch farthest while keeping you close to culture, healthcare, and community. You’ll hear why Groningen, Leiden, and Nijmegen are quietly stealing the spotlight from Amsterdam — with lower costs, easy travel, and a “being gay is a non-issue” vibe that makes daily life beautifully ordinary.

Whether you’re a gay expat looking to retire abroad or simply dreaming of a Plan B where equality is a given, this episode explores what makes the Netherlands one of the most LGBTQ-friendly countries on earth and what life can really look like after you hang up the briefcase and pick up a bike bell.

1. Top 5 Dutch cities ranked for cost, community & queer comfort.
2. Average 2-bedroom rents and cost of living vs. the U.S. average.
3. How Amsterdam’s vibrant scene compares to Leiden or Nijmegen’s calmer pace.
4. Why the Netherlands is a model for LGBTQ equality and safety.
5. Key retirement trade-offs — taxes, healthcare contributions & travel costs.
6. The Queer Money Retirement Rating for each city (1-10 scale).
7. Tips for building your own “Plan B Abroad.”

Ready to map your own finish line? Grab the Happy Gay Retirement Calculator and see how close you are to your dream life abroad. Then explore data on every city we’ve covered so far — from Costa Rica to Portugal to the Netherlands — at QueerMoneyPodcast.com/cities.

💡 Catch past episodes: Costa Rica (#608) & Portugal Golden Visa (#611). Next up: Taiwan — the most surprisingly affordable LGBTQ haven in Asia!

• 0:00 - Intro
• 0:22 - The Netherlands
• 1:28 - Amsterdam
• 4:56 - Eindhoven
• 8:45 - Groningen
• 10:26 - Leiden
• 13:00 - Nijmegen
• 14:40 - Netherlands wrap up

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Here!

What happens when a regular gay man says “enough” to U.S. chaos and starts building a fabulous Plan B abroad? Meet David Govacker, a medical professional who leveraged a self-directed IRA to invest in a diversified fund, qualify for Portugal’s Golden Visa, and set up a life with sunshine, safety, and equality—without Trump-era stress or American price tags. If you’re exploring investing for residency and retiring abroad, this episode is your blueprint.

Top Takeaways:

• Why Portugal? LGBTQ+-affirming culture, stable politics, urban lifestyle, big airports, and easy U.S. access.
• Golden Visa 101: The €500k investment route, residency timeline, and minimal stay rules (think: ~14 days every 2 years).
• Investing via IRA: How a self-directed IRA rollover (not a taxable distribution) can fund a qualifying investment.
• Fund choice matters: Why a diversified, open-ended mutual fund (vs. private equity lockups) matched David’s risk profile.
• Logistics made simple: Paperwork, biometrics, realistic timing, and avoiding tax pitfalls with clean rollovers.
• Plan B → Peace of mind: Build optionality now so you’re not scrambling later.
• Real talk for LGBTQ+ folks: Looking for places where equality is both law and lived.

Perfect for: LGBTQ+ professionals curious about Portugal, the Golden Visa, investing for residency, and retiring abroad—without giving up financial sanity or safety.

Loved this? Share with a friend who’s Golden-Visa-curious, and subscribe for our Netherlands retirement countdown next week.

Download: Get your Happy Gay Retirement Calculator

Mentioned in this episode:

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Sunset cocktails, rainbow macaws, and a budget that doesn’t need CPR—Costa Rica’s Pura Vida isn’t just a postcard; it can be your retirement reality. In this week’s Queer Money®, we’re counting down the Top 5 Costa Rican towns for LGBTQ+ retirees—from the surf vibes of Tamarindo to the gay beach haven of Manuel Antonio.

We break down which areas offer the best mix of affordability, healthcare access, safety, and queer-friendly community, all while keeping the tropical dream alive. Whether you’re after cool mountain breezes or jungle-meets-ocean sunsets, Costa Rica has a place with your name (and rainbow flag) on it.

Takeaways:

• Why Costa Rica is one of the most stable, eco-conscious, and LGBTQ-friendly countries in Central America
• 🏖️ 5 top towns ranked for livability, cost of living, and queer community vibes
• 💸 How much you’ll actually spend on rent and daily life (spoiler: 30–50% less than the U.S.)
• 🌈 Where to find the best nightlife, nature, and new queer neighbors
• 💡 How to use our Happy Gay Retirement Calculator to see if Costa Rica fits your fabulous future

Links referenced in this episode:

• queermoneypodcast.com/cities

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

In this episode, we flip the “lottery tax” trope on its head. No, we didn’t win Powerball (unless you count $6 and a gas station coffee). But by treating the lottery as a game for our values, we got crystal clear on what mattered most—and that’s how we built our plan for early retirement.

💡 Takeaways from this episode:

• Why “lottery talk” is actually a powerful tool for aligning money with values.
• How dreaming big (designer wardrobes, Audis, Palm Springs) led us to focus on what we really want—security, real estate, business growth, giving back.
• How to use fantasy conversations to get your partner on the same money page.
• Why clarity kills hedonic treadmill spending—and gets you closer to early retirement.
• The secret: those “lottery dreams” are often more accessible today than you think.
• 
  

🎧 Grab your free Happy Gay Retirement Calculator in the show notes and start designing your fabulous future—no lottery win required.

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Here!

We rank the Top 5 Greek cities/towns for gay retirement—balancing affordability with LGBTQ+ vibe—so you can swap doomscrolling for island sunsets without blowing the budget. Expect bars and beaches, Pride scenes, healthcare access, average 2-BR rent in USD, cost of living vs. the U.S., and our Queer Money Retirement Ratings (1–10).

• Greece now has full marriage equality (2024)—hello, EU stability + rainbow rights.
• Crete = best value (Heraklion/Chania) if you want beaches without Mykonos prices.
• Athens wins for healthcare, community, and year-round living.
• Island glam = seasonal pricing—plan accordingly.
• A smart pick comes down to rent + COL + community fit—our ratings slightly overweight affordability.

👉 Want your own Opa-moment? Grab the FREE Happy Gay Retirement Calculator and see if Greece fits your fabulous.

👉 For our running city cards, visit https://queermoneypodcast.com/cities

Mentioned in this episode:

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Starting in 2025, Uncle Sam is dangling a shiny new $6,000 tax deduction for folks 65+, or $12,000 if you’re married. Sounds fabulous, right? Well… not so fast. In this episode, we unpack who actually benefits, how the phase-outs work, and why some in our community could see a nice boost—while others get stuck sipping house wine at The Abbey.

• What the new $6,000/$12,000 retirement deduction really is (and isn’t).
• The income phase-out ranges that shrink your bonus.
• Real examples featuring single lesbians, married gay couples, and those bougie retirees with 1,000-thread count sheets.
• Why this isn’t a fix for Social Security (and how Gen X might get shafted… again).
• How to start planning so you keep more of your coins come retirement.

🎧 Whether you’d use $6,000 for bills, travel, or a new pair of red-bottoms, this episode breaks down what this boomer perk means for you.

Grab your Happy Gay Retirement Calculator for help starting your fabulous retirement plan.

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Here!

In this episode, we spill the (Thai iced) tea on the top 5 cities where gay retirees can stretch their dollars, enjoy top-notch healthcare, and live fabulously ever after. From Phuket’s beaches and Bangkok’s big-city energy to Chiang Mai’s cultural calm, we’re serving the Queer Money Retirement Ratings you’ve been waiting for.

And honey—did we mention Thailand is now the first country in Southeast Asia with marriage equality? ✨ That’s not just fabulous, that’s historic. Whether you want island vibes, royal golf resorts, or drag queens at The Stranger Bar, there’s a Thai city with your name on it.

• 💍 Thailand is the first Southeast Asian country with marriage equality (2025).
• 🌈 LGBTQ+ life is thriving: Pride in Bangkok, Chiang Mai, Pattaya & more.
• 🏥 World-class healthcare, with English-speaking hospitals that cater to expats.
• 💸 Retiree-friendly visas—including a classic non-immigrant retirement visa (50+) and a digital nomad option.
• 📉 Living costs are 36–60% lower than in the U.S.—yes, even in Bangkok!

👉 Which Thai city would you choose? Tell us in the comments!

👉 Want to see more of the cities and countries we've covered? Find details here: https://queerMoneyPodcast.com/cities

🌈 Grab the Happy Gay Retirement Calculator and start mapping your fabulous plan.

Mentioned in this episode:

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

We did it, queens—we retired early! 💅 At 51 and 54, we’re not sipping martinis on a trust fund (spoiler: one of us was disowned and disinherited 👀). We didn’t have cushy six-figure salaries either. Nope, we made some smart (and sometimes messy) money moves, and now those IRA checks are rolling in.

In this episode, we spill the nitty gritty on how we turned basement living, pigeon-poop cleaning, and a Mini Cooper obsession into a million-dollar retirement portfolio. From avoiding the 2008 housing disaster to buying Apple stock when everyone else was just buying iPods, we’re breaking down the real tea on what worked—and what didn’t.

If you’ve ever thought early retirement was only for the ultra-rich, think again. Tune in, laugh with us, and maybe pick up a few fabulous strategies for your own retirement journey.

• Buy the right size (for life and budget) → frees cash to invest.
• Kill lifestyle creep after paying off debt → redirect $1K+/mo to retirement.
• Invest consistently (especially in downturns) → time in market > timing.
• Complete the pyramid: stocks + income real estate + small business.
• Use a cash buffer (e.g., money market) to smooth withdrawals.
• 72(t) strategy can unlock IRAs early—plan it carefully.

👇 Grab the Happy Gay Retirement Calculator and start mapping your fabulous plan.

Mentioned in this episode:

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Here!

Palm Springs is cute, but what if your retirement backdrop was honey-colored cliffs, café culture, and 300 days of Mediterranean sunshine?

By popular demand, we’re spilling the limoncello on Malta—a tiny archipelago that’s big on LGBTQ+ rights (ranked #1 in Europe!) and just might be your queer retirement fantasy. From Pride parades in Valletta to drag brunches at Café del Mar, Malta offers more than just Game of Thrones vibes and tax shelters for Crypto Bros.

In this episode, we:

🌈 Count down the Top 5 cities & towns in Malta for LGBTQ+ retirees.

🌈 Reveal the Queer Money Retirement Rating for each spot.

🌈 Dish the perks, downsides, and local gay flavor you need to know before booking that one-way ticket.

💎 Grab your free Happy Gay Retirement Calculator and start plotting your sunny, queer Mediterranean escape here: https://queermoneypodcast.com/hgrcalc

1. Malta is 20–35% cheaper than the U.S.—but still pricier than much of Southern Europe.
2. LGBTQ+ rights here are 🔝 in Europe. You’ll feel safe and celebrated.
3. Each city has its vibe: nightlife, culture, chill, or everyday queer density—pick your flavor.
4. Downsides: heat, water scarcity, high rents in hotspots, and healthcare limitations.
5. Overall: Malta shines bright with a Queer Money Retirement Rating of 8–9/10.

👉 Share in the comments: Which Maltese city feels like your retirement vibe?

👉 Don’t forget to Like, Subscribe, and ring the bell—Thailand is up next in our international gay retirement series!

Mentioned in this episode:

Get Your Portugal Golden Visa Here!

Get Your Portugal Golden Visa Faster Here!

Want a European passport with access to living in nearly any European country? Just click the link below to find out how.

Get Your Portugal Golden Visa Here!