Retiring in France may sound like a dream, but for Larry and Cathy, it became reality through careful planning, a deep love of French culture, and a desire for a more secure and enriching life. After decades of work and travel, they left Southern California behind and began a new chapter in sunny Nice.
Here’s how they did it and what they’ve learned along the way.
Why France?
Why France? In their words: “Because it’s France.” For Larry, the romance began back in 1965 when he first stepped off an aircraft carrier in Cannes and was struck by palm trees, Mediterranean views, and a vibrant culture. That moment planted a seed that would eventually lead them back, this time, for good.
Cathy, the true instigator, proposed the move in early 2024. With growing concerns about long-term financial and social security in the U.S., the couple sought a place that aligned with their values and lifestyle. France, with its quality public services, walkability, and universal healthcare, checked every box.
From Vineyards to the City
After decades of rural living, including a home surrounded by vineyards in California, they initially searched for a similar countryside lifestyle in France. But logistics quickly became a concern.
Questions like:
- Will we be too isolated?
- What if we need a hospital?
- How easy will it be to make friends?
These realities led them to pivot to city living. Nice offered everything they wanted: Mediterranean charm, access to healthcare, excellent public transport, and a welcoming international community. They chose the Liberation district, an area known for its local markets and rich history.
Life Without a Car
One of the most surprising, and positive, changes was learning to live without a car. In the U.S., driving is essential. In France, particularly in cities like Nice, it’s a choice.
“We redefined transportation. As long as we’re near the tram, we’re connected to everywhere.”
With trams, trains, buses, and nearby airports, they now walk more than ever. It’s not only practical, it’s healthier and more engaging. They feel more connected to their surroundings and enjoy spontaneous interactions with people from all over the world.
The Challenge of Downsizing
Moving abroad means deciding what to take and what to let go. Larry and Cathy started with 95 boxes and a 40-foot container, but soon realised it was too much. They scaled back to a 20-foot container and still brought more than they needed.
Their advice?
- Don’t overpack.
- Bring only what’s essential.
- Donate or repurpose what you can once in France.
They’re currently storing unused items and plan to donate them to local charities after their one-year customs exemption period ends.
Financing Retirement in France
One challenge they hadn’t anticipated? Financing a property without a French mortgage. Because of age limits, they couldn’t take out a loan. Instead, they relied on equity from their California home to purchase and renovate their apartment in Nice.
They also discovered that real estate in France is relatively affordable, apartments in Nice can start around 250,000 €. Without needing a loan, they enjoy peace of mind knowing they’re living mortgage-free in a country with stable housing prices.
Making Friends & Feeling at Home
Larry and Cathy have made more friends in five months in France than in decades in the U.S. How?
- They attend expat meet-ups and community events.
- They engage with local shopkeepers.
- They make the effort to speak French, even if imperfectly.
They’ve discovered that even basic greetings like “Bonjour” and “Parlez-vous anglais un peu?” open the door to meaningful connections. Over time, they’re gradually building friendships with both locals and fellow expats.
What They Wish They Knew Before Moving
One powerful insight? Read and understand the Contrat d’Intégration Républicaine, a document required for long-stay visa applicants that outlines the values of the French Republic, liberty, equality, fraternity, secularism, and mutual respect.
It helped them understand and align with the culture before arrival. They also recommend:
- Planning at least 6-8 months ahead.
- Getting professional help for visas and insurance.
- Selling unused property or vehicles before moving.
- Embracing the French love of rules and avoiding parking tickets!
Final Thoughts
For Larry and Cathy, retiring in France has brought simplicity, security, and joy. Their new life in Nice is defined by slower mornings, healthier habits, and a stronger sense of community. They’ve traded their car for trams, stress for sunshine, and the unknown for a well-planned adventure.
“This is our best chance to make friends, live better, and enjoy the years ahead.”
Whether you’re considering a move for financial, lifestyle, or cultural reasons, their story proves that retirement abroad isn’t just possible, it can be the best chapter yet. Watch the full video below: