Reader Guest Post – Adventure Before Dementia

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Today, I bring you a guest post from a couple of nomadic retirees, Tom Swan and Georganna Hawley. They’ve been living a nomadic lifestyle for about two and a half years and have no plans for stopping.

Hitting the Road

If you’ve considered this lifestyle in retirement, and even if you haven’t, you’ll find their story fascinating and learn valuable lessons from their experiences. Topics covered include their experience with downsizing, how they’ve dealt with health issues while on the road, choosing locations where they want to spend time in retirement and handling logistics, and other lessons learned along the way.

We have no financial relationship. Take it away Tom and Georganna….

This is a Lifestyle, Not a Vacation

“We are NOT on vacation” is perhaps the most common answer to our friends’ and family’s misunderstanding of our Nomad lifestyle. Typically, Americans go on a 2-3 week vacation, frantically seeing everything possible in a “whirlwind tour.” Then they return home and require another 2-3 weeks to recover from the vacation. 

Yes, we have seen some wonderful, iconic, even exotic places. However, we also buy our veggies at the open market, ride the local trains or buses and take free walking tours instead of organized “touristy” tours. Sometimes we even stay in and just do laundry like everyone else.

We are Tom Swan and Georganna Hawley, semi-retired Americans. We are living our best life with this new, and often misunderstood lifestyle. In September of 2021, we “embraced the change” that many of our fellow boomers are not yet ready to face.

Embracing Change

Covid-19 restrictions allowed Tom to close his office and work online. Our grandsons became adults, and we suddenly didn’t need a big house. A minimalist aesthetic was making us think our stuff owned us instead of the other way around.

We were intrigued and inspired by a radio interview on Rick Steves with Michael and Debbie Campbell, The Senior Nomads. All this was happening on the brink of looming retirement and had us asking what we want from this new phase of our lives.


We began the monumental task of shedding all our possessions in 2020. I sold 4 sewing machines. Tom sold his precious drill press and all his tools. We also sold or gave away those special china dinner settings our daughter did not want (NOTE: your kids do not want your stuff). We scanned all the contents of photo albums (now stored on the cloud), had seven yard sales, and countless trips to Goodwill. 

Finally, we got it all down to only two rolling carry ons, and two backpacks. We retained two 14 gallon storage bins (half full of treasures) to store at our daughter’s house. We sold our house and one of our two cars. Last, we drove our truck to our daughter’s house to hand over the storage bins, and we presented the keys and pink slip of the truck to our oldest grandson.  

Related: Downsizing In Retirement – Any Regrets?

Hitting the Road

After that, we fairly danced all the way to the airport jet way to fly off to our first nomad destination, Vienna, Austria, on September 23, 2021.

Some nomads choose to keep their house and rent it out, keep a storage unit in their home town, and/or maintain a mother-in-law cottage with their kids. We chose to dive off the deep end without any “what if we change our minds” contingencies. We find it keeps us focused forward, learning how to make this nomad lifestyle work, with no “escape clause”.

I’m now 72, a retired archaeologist and textile artist. Tom is 65 and continues to work remotely as a retirement planner and financial advisor. He works servicing clients’ needs from wherever we are. 

Good WIFI is crucial, and available all over the world! His phone is on a VOIP (Voice Over Internet Protocol), and is actually his old office number. So clients recognize it’s him, but everyone he calls asks, “Where is Tom today?”

What About Healthcare?

Tom needed both arthritic knees replaced, but his insurance company claimed he was too “young” and needed to wait for Medicare to pay for it. And most US surgeons will only do one at a time. 

While visiting Istanbul, Turkiÿe he obtained a free consultation with a team of two orthopedic surgeons who quoted a price that was less than 1/3 of the insurance copays in California. So, we scheduled surgery. Tom had his knees replaced in Istanbul; both on the same day. 

His care was remarkable. Physical therapy was painful but tolerable, and 5 weeks after surgery we were walking along Hadrian’s Wall in northern England. 

We do carry international health care insurance for emergencies and an evacuation policy for me. But, to be honest, if something happened to me, I’d rather go to Türkiye.

The USA has health insurance, the rest of the world has health care. Big difference.

Getting Around

Our transportation mode of choice is via train in Europe, but buses are also a good option if we want to go a bit slower. Public transportation in Europe is usually clean, cheap, and extensive. We have found that a good alternative can be to hire a private driver, especially if we are crossing multiple borders in non-EU countries. 

Travel in South America offers fewer alternatives. There are few trains, and buses can range from great to downright awful. We usually opt for flying between South American countries. 

Repositioning cruises are also a good choice for nomads for trans-oceanic travel. A cruise ship provides us with our transportation, accommodation, food and entertainment all in one package. With cruises, we don’t have to pack/unpack for weeks at a time, and no jet-lag! We choose to fly only as a last resort in most cases.

Meeting Logistical Challenges

Travel arrangements are of course up to us, and it has become a part time job. We work together, doing research on places, what we want to do, and the best time of year to stay in particular locations.

We also consider recommendations from other nomads. It often makes sense to travel in a particular direction; north and east for spring and summer months, and then begin heading south for the winter, always chasing 72 degrees. 

Many nomads choose to see the Arctic or Antarctic and have wonderful stories and photos. We choose to stay in warmer climates and keep our change-of-seasons packing to a minimum. If we never see snow again, that will be just fine with us.

The internet is (mostly) our friend for planning and making reservations. It takes quite a bit of organization, but we manage redundancy with a paper calendar, excel spreadsheets, and both of us having all confirmations and reservations on our computers and phones.

I copy a map online and label the next few months where we will be, then post it so family can follow our progress.  Even though we work together to plan our travels, we have still managed to make plane reservations for the wrong day, forgotten how the International Date Line works, and gotten our timezones confused.  

As Nomads, we have learned to pivot, solve problems and find alternatives quickly.

Choosing Accommodations

We like to stay in apartments with a kitchen and washing machine with easy access to the local metro or bus. Usually finding Airbnb’s in a city center neighborhood suits us. Fast, reliable WIFI and an elevator are a must. 

We also enjoy volunteering at English Immersion retreat sessions and we have done this four times now. It’s a great way to meet and get to know the local people and the free accommodations help to stretch the budget. 

This year we added a house/pet sitting into the mix. We get to spend quality time with dogs and cats, and stay in a real home, sometimes in the English countryside, other times in a southern California suburb. Variety keeps our nomad lifestyle fun and interesting.

Fine Tuning Our Planning

We are still searching for the sweet spot of how long to stay in any one place. Often a week is enough to hold our interest, and a month may be too long. 

If weather or timing keep us from doing all we were planning for, we know we can always come back next year, or the next. Sometimes we purposely do not seek out all that we think would be interesting, knowing a town or region will definitely be on our “return for longer” list.

The Schengen Zone is a challenge for us and other Nomads, and is a crucial part of our planning. The Schengen Zone comprises 27 European Union countries + 4 other countries. 

As Americans we can only stay in the Schengen for 90 days out of 180. The countries outside the zone means our  “Schengen Shuffle”  is constantly on the radar (there are apps for that). 

Last year Croatia entered the zone, and in 2024 Romania and Bulgaria are scheduled to enter. This means we will need to find alternative countries to explore while we wait for our Schengen clock to reset. 

Türkiye, Albania, Macedonia, Georgia, and five of the “Stans” are good nomad choices. Even the tiny mountain country of Andorra between Spain and France is outside the Schengen. And what about North Africa? The endless possibilities are a big reason we keep traveling.

Isn’t This Expensive?

Of course we have a budget, we are not spending wildly on vacation, after all! The money saved not having to pay utilities, taxes, cars, gas, tires, repairs, and multiple insurances means we spend less than if we still lived in California. Even our monthly accommodation costs are less than our mortgage.

Transportation costs are also much less than the cost of owning multiple cars. We don’t often buy clothing because the space is limited in our suitcase. Many nomads buy clothes at thrift stores and re-donate when they leave a location. We choose to go with what we have and if it gets cold, we just head south! 

We each own one pair of sturdy walking shoes. I did buy a wonderful vintage denim jacket in Hamburg, Germany last year. It’s too bulky to pack, so I had to make the conscious decision that I must wear it on every travel day. When that gets to be too cumbersome, I can leave it in a donation bin for someone else to love.

Leveraging Travel Rewards

Another budget stretcher is using credit card reward points to our advantage. Last year Tom manipulated our points into 22 free hotel nights and 16 free business class plane tickets. The “points game” is growing in popularity among nomads, and well worth Tom’s time spent studying the continuously changing options.

Related: Travel More & Spend Less With Credit Card Travel Rewards

Are we still happy with our choice to get rid of everything and travel the world as modern day senior nomads? Yes! When do we plan to stop (the second most asked question)? We don’t.

If health or unknown circumstances make us rethink our lifestyle, we can pivot. We have done it before, we can do it again when that time comes.

Chris’ $.02

Thanks to Tom and Georganna for sharing your story. Their only desire for sharing their story is to ispire and connect with others who share their interests. You can connect with them through their “Two Travelers” Facebook page.

If you enjoyed their story, check out another guest post from nomadic retirees Margot and Nick.

Reader guest posts are always popular on the blog. If you’d like to share your story send me an email at

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[Chris Mamula used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. After achieving financial independence, Chris began writing about wealth building, DIY investing, financial planning, early retirement, and lifestyle design at Can I Retire Yet? He is also the primary author of the book Choose FI: Your Blueprint to Financial Independence. Chris also does financial planning with individuals and couples at Abundo Wealth, a low-cost, advice-only financial planning firm with the mission of making quality financial advice available to populations for whom it was previously inaccessible. Chris has been featured on MarketWatch, Morningstar, U.S. News & World Report, and Business Insider. He has spoken at events including the Bogleheads and the American Institute of Certified Public Accountants annual conferences. Blog inquiries can be sent to Financial planning inquiries can be sent to]

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  1. One comment. When I worked for the US foreign service at an embassy, we would receive frantic calls from people who had surgery in the city because it was some much cheaper than the US. However, they had no back up plans should/when something went wrong. Unfortunately, the US embassy could not function as their back-up even though personnel would bend over backwards to help.

    As a result, I encourage folks who think along these lines NOT to consider what life wold be like if medical plans go right, but to consider what will happen IF things go wrong. Medical care overseas is VERY different that in the US, even in first world countries like Great Britain where English is the primary language. Do you have a plan? Can you financially handle a medical evacuation that can cost a couple hundred thousand dollars, etc.?

    In summary, don’t just look at what happens if things go right, but have a plan that you can live with if things go wrong – very wrong! Best regards.


    1. Michael,

      Thanks for sharing this sound advice. That said, I also would be careful to not overweight the likelihood of this happening as you likely have selection bias (i.e. in your position you see the worst of the worst, but not the many good or neutral outcomes).

      FWIW, I share this thought as it brought back memories of a conversation I had when I was a physical therapist. I was having lunch with an ortho surgeon and we asked what was the most simple and complex procedures in his opinion. His simplest was a carpal tunnel release, which he rated as a complexity of 1 on a 1-10/10 scale. I shared my surprise b/c every post-op carpal tunnel release I ever saw was doing terrible. He pointed out that 99% of them don’t need any rehab because there’s not much to do and we’re only seeing the failed cases. That stuck with me.

      Best wishes,

  2. Wow,

    Looks fantastic but not the lifestyle I choose. Although I have wanderlust, my favorite place on the planet is anywhere that I can hang out with the grandkids….four of them ranging from age three to ten.
    I do love being an armchair traveler though.


    1. I couldn’t imagine living this lifestyle either, which is why I wanted to share this very different perspective. Thanks for reading and taking the time to comment.


  3. They simplified their lives in order to make it wildly complex. I’d rather immerse myself in experiences than shuffle around seeing sights you’re unlikely to remember while blasting carbon into the atmosphere, but to each their own. Almost everyone I know over 65 is jetting around to fill their eyes with bucket list delights. The Boomers are a very rich generation. I’m a member of the last group known as “Peak Boomer”.

    1. Robert,

      As I noted below, this is not a lifestyle that is particularly attractive to me either. However, I do like to share others’ experiences and perspectives.

      I did a lot of traveling when I was younger, and have settled in a place where I actually love to live while also freeing myself from a schedule that revolves around work. As such, I don’t have nearly the desire to travel that I did when I was younger and I think travel was kind of an escape from a career and location I didn’t love. However, I could see where someone who had kids sooner and didn’t discover the idea of financial independence until later would have a lot of pent up desire to see the world.

      Best wishes,

  4. Very interesting and informative. After retirement, I fell into a nomadic lifestyle by accident.

    I got a great offer on my condo unexpectedly. I accepted but had nowhere lined up to go. So I sold or donated all my belongings except what fit in a suitcase and backpack. I started staying in Airbnbs and cheaper hotels.

    That was 5 years ago and I haven’t stopped that lifestyle yet. I’ve been to many places in the US and Europe living this way. Of course there are pros and cons, but I enjoy a lifestyle that so far feels more free than I was used to: free from owning a home, free from driving and having a car, free to escape northern US winters, free to be spontaneous to travel somewhere at a moment’s notice.

    For now anyway, I’m all for the nomadic lifestyle. Thanks for the article!

    1. Good for you Ken! Let’s have a meetup someplace wonderful and trade tips and stories!

  5. Thanks for sharing your story . Its quite adventurous. Im curious were you both big international travelers before you retired? Id like to do more international travel but my wife is intimidated.

    1. I’m sure Georganna and Tom will chime in. But, yes, both of us had travelled internationally. I grew up as an Army brat and had lived in Ethiopia and Germany. My husband had attended an international school in Italy via The Experiment in International Living and had traveled Europe after college graduation.

      My ex-husband who had never been on a plane until he was 21 was intimidated as well. When we went to Germany, he calmed down, saying that I was his culture and he felt less intimidated. You might also start with English-speaking countries: England, Ireland, Scotland, Australia and New Zealand have a lesser degree of difficulty.

  6. Thank you for sharing. I found this and the other linked article fascinating. While I enjoy reading and dreaming about such a life, I know that it isn’t practical for us as we push up against 70, despite our current good health.

    But – it does present an interesting option for consideration over the more traditional vacation travel of Point A to B and return, which as mentioned in the article seems to be more exhausting than it should. Instead of selling everything and being a fulltime nomad, be a part timer. Travel for multiple weeks or months to multiple destinations, return and take care of ‘normal life’, then head off again when ready.

    I also this as an opportunity for AI assisted travel agents. Instead of trying to plan a multiple stop/country/week vacation ahead of time, you plan only stop 1 and maybe 2, as you reach one, you plan 3, then 4..etc until your wanderlust is fulfilled and return. Do you know of anyone doing that?

    1. I’m 73 next month and we are still able to walk 10k or more steps every day. We know we will need to reassess our nomad “style” at some point. But we are not willing to let that eventuality stop us from a fulfilling life now.
      How you go about planning your travel and the timing is different for every nomad. And most of us mix it up a little!

  7. Well how wonderful, Chris to give voice to another nomad couple! Georganna and Tom were the first fellow nomads we met “in person” back in April of 202e in Paris. A traumatic day as Tom had dropped his phone on the metro and it “disappeared”!

    You might want to consider highlighting a solo nomad—life for solos on the road has some significant differences your readers might enjoy.

    1. Like most Americans we’d traveled to international destinations for two or three weeks vacation, then get back to work for 50 weeks. We really wanted more time to explore and really get to know a place and the local people rather than just hit the ‘bucket list’ sites. We try to be slow nomads.

    2. Great idea, Margot! Two solo nomads come instantly to mind. And their nomading “style” is much different from ours. We’ve met them both as our itineraries crossed.
      Chris, if you are interested, I can give them your contact.

    3. Margot,

      When Georganna and Tom reached out about sharing their story, they mentioned yours. But I don’t think I knew you actually knew one another in real life. Very cool!

      I enjoy different stories and perspectives. If you know of anyone doing this solo who would like to share their story feel free to send them my way.


  8. I’m curious what type of international health insurance you have? What are some of the pros/cons to consider when researching a specific plan?

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