In the 80s and 90s, many Africans left their home countries seeking better lives abroad — in the US, UK, Canada, Europe, New Zealand, Australia, and beyond. They worked hard, sent money home, raised children, and built careers. But now, as they approach retirement age, many are asking a tough question:
“Is the West still the best place to grow old?”
Increasingly, the answer is no — and the solution is something more and more people are calling Retirement Plan B.
💸 The High Cost of Growing Old in the West
Life in Western countries offers many things: infrastructure, services, security. But for retirees, it also comes with serious challenges:
- Skyrocketing rent and property prices
- Healthcare costs (especially for migrants on limited or no pension)
- Rising inflation and energy bills
- Social isolation, especially when children move away
Western baby boomers have started catching on — many are retiring in cheaper, warmer countries like Mexico, Thailand, Portugal, and Panama. So why not African migrants?
🌍 Retiring Outside the West: The New Reality for African Migrants
For the African diaspora, Plan B isn’t just about saving money — it’s about:
- Reconnecting with culture
- Escaping loneliness
- Finding peace in a familiar rhythm of life
Plan B doesn’t always mean “returning home.” Some are returning to their country of origin, but others are choosing to retire in a different African country, or even a completely different continent that offers better value for money, peace, and lifestyle.
🏝️ Where Are People Retiring To?
🔹 Their Home Country
Examples: Ghana, Kenya, Nigeria, South Africa, Burundi
Many migrants still have land, property, or family ties in their homeland. This can reduce costs, but can also bring risks — especially around land disputes, legal rights, and reintegration struggles.
🔹 A Different African Country
Examples: Rwanda, Namibia, Botswana, Mauritius, Tanzania
Some migrants choose countries that are more politically stable, have better infrastructure, or are more open to foreign retirees.
🔹 Latin America or Southeast Asia
Examples: Costa Rica, Belize, Thailand, Malaysia
These destinations are gaining popularity among Western retirees and are open to international retirees, including Africans. The cost of living is low, healthcare is decent, and the weather is welcoming.
⚠️ What You Need to Watch Out For
1. Land and Property Scams
Fraud, unclear ownership, and family disputes are common. Always use trusted legal channels when buying property.
2. Healthcare Access
Make sure the country has reliable healthcare — and check what’s covered for non-citizens.
3. Dual Citizenship or Residency Rights
Some countries restrict land ownership or permanent stay for non-citizens. Do your homework.
4. Emotional Shock of Reintegration
Returning to a country you left 30 years ago can be a culture shock. Traditions change. People change. You’ve changed too.
🧭 The Dual Life: Retirement Between Two Worlds
Some African migrants are choosing a split retirement model:
- Spend 6 months in Africa, 6 months in the West
- Maintain healthcare and legal ties in both
- Build in Africa, but keep backup access to Western systems
This strategy offers flexibility, security, and emotional balance.
💡 Final Thoughts: Retirement Is More Than Money
Retirement Plan B is not just about saving money — it’s about preserving dignity, finding peace, and choosing a future that feels like home.
For African migrants who have worked hard all their lives abroad, it’s time to start asking:
“Where do I want to wake up when I’m 70?”
“Where do I want to grow old — and with whom?”
“Am I building a legacy that makes sense for my roots and my reality?”
📣 Your Turn
Are you thinking about retiring outside the West?
Have you bought land or built a house back home?
Still deciding where to settle?
Share your story in the comments — and let’s keep this conversation alive. Your journey could help someone else navigate theirs.