Retired Early to USVIs, Florida, and Spain: How They Did It

This is a conversation Eric had with Jeff, a self-described: financially independent, recreationally employed realtor. He and Eric crossed paths as Eric was researching his dream of retiring to the US Virgin Islands. Jeff and his wife, a Spanish teacher, lived in St Thomas for two years making content about their life there on two YouTube channels: How2Beach and TheRetirementality offering an honest review of the pros and cons of living on a tropical island. It helped change Eric’s mind about living there too!

Jeff went from broke at 38 to financially independent at 45. He and his wife have six rental properties in total and the income from those have enabled them to move around the world as they choose. As of early 2024, they’re preparing to relocate to Spain. 


Even though Jeff took risks many aren’t willing to take, we think his story is interesting because it proves there’s no one way to reach FIRE. Not only were they able to reach FI in a few short years, they did it on modest income (a teacher’s and a realtor’s salary). So, if you’ve considered what a life outside the mainland US might look like, we know you’ll find his story interesting.

Show Notes:

Be sure to check out Jeff’s two YouTube channels:


You can find information on the tools we mention in each episode along with additional information in the Resources section of this site.

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