Latest analysis

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192 published articles

Latest analysis

Practical notes on overseas tax, location choices, AI income, investing, and building cash flow that travels.

Geographic Arbitrage

Saudi Arabia for US Expats: Zero Tax, High Pay, Real Traps

May 12, 2026

Saudi Arabia pays 0% local income tax — but US citizens still owe the IRS. Learn how FEIE, visas, salaries, and FBAR apply to the Gulf's biggest expat market.

Expat Tax & Finance

The FEIE Self-Employment Tax Trap for Expat Freelancers

May 11, 2026

FEIE zeroes your income tax — but not SE tax. Expat freelancers still owe up to $21k on $150k income. Here's how to reduce or eliminate it.

Expat Tax & Finance

FBAR for Expats: One Free Form, Up to $165K Penalty

May 11, 2026

A free 20-minute form can save US expats from six-figure IRS penalties. What FBAR is, who must file, and how to catch up without paying a dime in fines.

AI Income & Cash Flow

AI Voice Agents: Earn $4K/Month Selling Phone Bots Abroad

May 11, 2026

Build AI phone receptionists for US dental, legal, and HVAC businesses from anywhere abroad. Platform costs under $180/month, charge $400-800/month per client.

Expat Tax & Finance

Student Loans Abroad: The FEIE Zero-Payment Strategy

May 11, 2026

FEIE can legally cut your federal student loan payment to $0 abroad. Here's how income-driven repayment + the foreign earned income exclusion work together.

Expat Tax & Finance

FBAR vs FATCA: The $165K Trap Every US Expat Must Know

May 10, 2026

FBAR and FATCA can cost you $165,000+ — even if you owe zero US tax. Here is exactly what each form requires, the penalties for missing them, and how to catch up.

Expat Tax & Finance

FATCA vs. GDPR: Why US Expats Lose European Banks

May 10, 2026

Belgium ordered FATCA data transfers to stop. European banks face a legal catch-22. Here is what US expats in Europe need to know and do now.

Expat Health & Insurance

The Medicare Trap Every Expat Must Know Before Retiring

May 10, 2026

You paid into Medicare for decades — but it covers $0 abroad. Here's how the permanent 10%/year penalty trap works and how expats can navigate it.

Geographic Arbitrage

Paraguay Residency: Zero Foreign Tax, No Stay Required

May 10, 2026

Paraguay now offers territorial tax residency for under $2,500 — with no annual stay requirement. Here is what changed in 2024 and who should use it.

AI Income & Cash Flow

AI Freelancing Abroad: Earn $8K/Month on Upwork

May 9, 2026

AI-skilled freelancers earn 44% more on Upwork. Here's exactly how to sell AI services from abroad, with tool pricing, workflows, and real income data.

Expat Tax & Finance

Portugal's NHR Is Gone — What IFICI Means for Expats

May 9, 2026

Portugal killed its famous NHR tax regime in 2024. Here's what the IFICI replacement actually means for tech workers, retirees, and digital nomads — with real numbers.

Geographic Arbitrage

Portugal for US Expats: Taxes, Visas, Cost of Living

May 9, 2026

NHR is gone, but 21,000 Americans moved to Portugal anyway. Here is what the visa options, IFICI tax regime, and real monthly costs look like in 2025.