Day 11 of the “12 Days of Giving” series features Tommy Sikes discussing the benefits of expat retirement in Italy and France, addressing affordable housing and a cost-effective lifestyle that can significantly impact retirement plans. Sikes highlights the potential for middle-class Americans to retire comfortably on less savings due to lower living costs in these countries. He also mentions Italy’s tax incentive offering a flat 7% income tax for relocating to certain regions, further reducing costs. Sikes advises a financial plan to assess the feasibility of such a move, encouraging listeners to consider retiring abroad as a viable option. The talk covers practical concerns like obtaining a mortgage, health care systems, and tax implications, aiming to educate and empower people to consider expat retirement.