Retiring in the Philippines: A Balanced Perspective
Living in the Philippines offers unique advantages and challenges, shaped by personal experiences and expectations. After 15 years here, I find the people to be neither better nor worse than anywhere else. It’s human nature to take advantage of others when given the opportunity.
Expat Reflections
Contradictory Opinions: Some expats praise the Philippines but then share contradictory stories—expats not lasting more than two years, calling locals thieves, or losing everything to dishonest partners. They often mention merchants cheating foreigners and smile-filled dishonesty. These expats sometimes exploit Filipinos, coming for sex and paying unfair wages due to poverty.
Cost of Living: Yes, living expenses are lower, but that’s because most Filipinos live in poverty. Merchants, doctors, and others charge less because higher prices would exclude local customers. The claim that one can live like a king on $500 to $800 a month is misleading. Most expats can’t make the necessary sacrifices, which is why many leave after two years.
Expenses and Quality:
- Electricity: Among the highest in Asia. Running an air conditioner 24/7 costs $400 to $500 a month.
- Housing: A decent house costs $500 a month and up.
- Products: American products may be inconsistent in availability and quality. Items made in China often differ in taste and quality from their U.S. counterparts.
Reality Check
Cultural Integration: Expecting to be treated like a local will lead to surprises. You’ll always be seen as a foreigner, and family ties and loyalties often favor locals over foreigners, regardless of who’s right.
Personal Contentment
Despite these challenges, I am content living in the Philippines and have no desire to return to the U.S. With a monthly income of $6000, I can live anywhere in the world, yet I choose to stay here. While the Philippines is not the paradise some expats claim, it’s a place where I find fulfillment.
Conclusion
Living in the Philippines can be a rewarding experience if approached with realistic expectations and an understanding of the local culture and economy. It’s essential to weigh the pros and cons and be prepared for the challenges that come with being an expat in a developing country.
Source: Nelson Yu, Quora
Image Source: States
