Now I'm Down $178,000 - Retiring in the Philippines Is The Worst Decision of My Life

I moved to the Philippines with $178,000. I have $21,000 left. In less than a year, it'll be gone.

I'm 64. I'm not going to sugarcoat this — I made almost every mistake there is to make, and I made them confidently, one at a time, while telling myself each one made sense. The house I built but don't own. The three businesses that failed. The monthly transfers that never stopped growing. Four years. Gone.

This video is the full story — every decision, every number, every moment I should have stopped and didn't.

But it's also something else. I genuinely don't know what I do next. Go back to Australia and work at 64? Find something here? There's $21,000 left and about 11 months of runway and I'm asking — seriously asking — what would you do?

Watch the full story. Then tell me.

👇 If you've been in this situation or you're heading toward it, the comments are open. I need real answers.

Journals Beyond Horizons — real stories about expat life, money, and the things nobody tells you before you land.

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