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The average American hasn’t saved nearly enough for a comfortable retirement Stateside. Conventional wisdom says: Work longer, save more, and lower your expectations for retirement.

But in the right places overseas, you don't have to do any of that. If you slash your cost of living by half (or more)—you can retire years earlier than you expected. And most folks who’ve done it say they live better than they ever did back home.

An example is Terry Coles and her husband, Clyde who, in 2011, set off from Texas to enjoy an early retirement in Panama.

Read their full story here:

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Footage: Clyde Coles and iStock.com.

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