An American Abroad: a Simple Escape with “Independent Means” Visas

For many Americans, the dream of living abroad often feels tied to costly citizenship or residency-by-investment programs. But what if you could start a new life overseas without committing hundreds of thousands of dollars upfront? Across the globe, governments are offering residence options designed for those with stable income, pensions, or savings — opening doors for retirees, professionals, and families who want to expand their horizons.

At Friedland Law, we specialize in guiding Americans through these non-investment residence options. Whether you’re planning retirement, exploring remote work possibilities, or giving your family the gift of an international lifestyle, our team helps you navigate the requirements with ease. With decades of experience in international law, we make the process simple and give you the confidence to take the next step toward your life abroad.

Here, we explore some of the most attractive non-investment-based residency pathways for Americans, and how they can help you turn the idea of living abroad into reality.

Spain: The Non-Lucrative Visa

Imagine waking up to café con leche in Madrid or enjoying weekends by the sea in Barcelona. Spain’s Non-Lucrative Visa makes this lifestyle possible for those who can demonstrate sufficient financial means.

• Who it’s for: Retirees, remote workers, and families seeking a year-round home in Europe.
• What it offers: Renewable residence, family inclusion, and access to Spain’s culture, healthcare, and vibrant quality of life.

• Minimum income requirement: Applicants must provide proof of passive income (dividends, coupons, interest, pension, social security, and rental income) of 400% of IPREM for the main applicant and 100% of IPREM for qualified dependents

• • Main applicant: EUR 28,800 per year (as of 2025)
  • Qualified dependents: EUR 7,200 per year (as of 2025)

Portugal: The D7 Visa

Portugal has become a standout destination for U.S. citizens seeking a balance of affordability, community, and opportunity.

• Who it’s for: Those with reliable passive income — from pensions, dividends, or rental income.
• What it offers: Long-term residence with a pathway to citizenship after several years, along with Portugal’s warm climate and world-class healthcare system.
• Minimum income requirement: Applicants are recommended to demonstrate proof of regular passive income of 100% minimum wage (50% minimum wage for spouse and 30% minimum wage per dependent child)
  •  Main applicant: EUR 10,440/year as of 2025 (recommended at least EUR 15,000)
  • Spouse: EUR 5,220/year as of 2025
  • Dependent Child: EUR 3,132/year as of 2025

France: Independent Person Visa

For Americans seeking a refined European lifestyle, France’s Independent Person Visa provides a route to residency through proof of financial independence.

• Who it’s for: Individuals or families ready to immerse themselves in French culture while maintaining stable income from abroad.
• What it offers: A residence permit that covers dependents and access to France’s top-tier education, healthcare, and cultural richness.
• Minimum income requirement:
  •  Main applicant: EUR 21,600/year in passive or remote income as of 2025, plus more for dependents
  • Bank deposit of around EUR 30,000

Italy: Elective Residence Visa

For many, Italy represents the pinnacle of European living — from Tuscan vineyards to the bustling streets of Rome. The Elective Residence Visa allows Americans to settle in Italy if they can demonstrate a reliable, independent income without the need for local employment.

• Who it’s for: Retirees and financially independent individuals with a passion for Italian culture.
• What it offers: Renewable residence, access to Italy’s lifestyle and healthcare, and a potential pathway to long-term residence and citizenship.
• Minimum income requirement:
  •  Main applicant: EUR 32,000/year (as of 2025)
  • Spouse: EUR 6,000/year (as of 2025)
  • Dependent Child: EUR 6,200/year (as of 2025)

Costa Rica: Pensionado & Rentista Visas

Costa Rica remains a favorite for U.S. retirees and families looking for an eco-friendly and affordable lifestyle.

• Pensionado Visa: Designed for retirees with at least USD 1,000/month in guaranteed pension income
• Rentista Visa: Tailored for individuals or families able to demonstrate USD 2,500/month in passive income
• What they offer: Dependents included, access to healthcare, and the chance to live in one of the world’s most welcoming environments.

Thailand: LTR Visa for Wealthy Pensioners

Asia’s appeal continues to grow, and Thailand leads the way with its Long-Term Resident (LTR) Visa. Expats are drawn to Thailand for its affordable cost of living, world-class healthcare, and warm, welcoming culture. From vibrant cities to tropical beaches, the country offers an unmatched lifestyle with modern conveniences and rich traditions.

• Who it’s for: Retirees aged 50+ with a pension or stable passive income of USD 80,000/year (or USD 40,000/year with property or investment in Thailand of at least USD 250,000).
• What it offers: A 10-year renewable visa, family inclusion, affordable healthcare, and a lifestyle blending modern convenience with cultural richness.

Dubai: Golden Visa for Passive Income Earners

The UAE’s Golden Visa has expanded beyond investors to embrace individuals with secure income streams. With zero income tax, world-class infrastructure, and global connectivity, it’s a premier choice for Americans seeking international residency.

• Who it’s for: Retirees, high-net-worth individuals, and professionals with steady income.
• What it offers: A 10-year renewable residence permit, tax advantages, world-class infrastructure, and direct access to one of the world’s most connected business hubs.

Taking the Next Step with Friedland Law

Relocating abroad is an exciting opportunity, and we know navigating visa requirements, paperwork, and regulations can be daunting. That’s where Friedland Law comes in.

As an independent international law firm with decades of experience across the globe, we specialize in helping individuals and families explore and secure the right residence options. From selecting the most suitable program to ensuring a smooth application process, we provide clear guidance every step of the way.

Your future abroad shouldn’t be defined by barriers — it should be shaped by opportunities. With Friedland Law, you’ll gain a trusted partner to turn your global ambitions into reality.