How and Why U.S. Citizens Are Retiring Early—InternationalLiving.com Share Article Who doesn’t like the idea of retiring early and leaving the 9-to-5 grind behind—but how to afford it? The editors at InternationalLiving.com have a solution: Head to a better-value escape overseas (for a few years—or longer) and live better while spending less. A new report from the editors at InternationalLiving.com explores how U.S. citizens are retiring early—with a move overseas—and seriously stretching their retirement dollars. In 2011, Terry and her husband, Clyde, set off from Texas to enjoy early retirement in Panama.