How the Panama Pensionado Visa Really Works for U.S. Expats

December is when people quietly decide what their next year will look like.
If you’ve been thinking about retiring abroad or moving to Panama, you’ve probably heard of the Pensionado Visa — often called one of the best retirement visas in the world. But is it still worth it in 2025?

In this episode, we break down whether the Panama Pensionado Visa makes sense for you in 2025, what the current requirements and discounts look like, why so many expats start the process in January, and how December planning can save you from “April panic” when life and taxes hit.

Whether you’re just researching Panama vs the U.S., seriously exploring retirement abroad, or already planning to relocate next year, this video will help you decide if Pensionado is the right path — or if it belongs in your “maybe later” folder.

In this video, you’ll learn:
What the Pensionado Visa is and who it’s designed for
Why it’s often considered one of the best visas for retirees
The 2025 reality: requirements, documentation, and how it actually works
The real value of Pensionado discounts (including holiday travel)
Why December is decision month — and why many expats start in January
How December planning can help you avoid feeling stuck or panicked in April
A simple “Ask Yourself” checklist to see if this visa fits your life and income


If you’re thinking about retiring in Panama, make sure to also watch Ep 7 – Christmas in Panama vs Christmas in the U.S. – The Truth. It shows what life here actually feels like during the holidays — so your visa decision isn’t just about numbers, but about the lifestyle you’re choosing.
👉 This channel is for Americans and English speakers who want honest, practical guidance about living in Panama: visas, cost of living, healthcare, holidays, neighborhoods, and the emotional side of starting over in a new country.



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