decision-framework

What the Philippine Retirement Authority actually did on 1 September 2025 — categories collapsed, deposits raised, age dropped, and the peer-program floor after Malaysia tightened first.

A foreigner can buy the house and never own the land under it. What each workaround signs away when the marriage or the law turns, costed.

Conventional planning stress-tests against a market crash. For an aging expat the plan-ending shocks are certain and permanent: cliff, care tail, freeze.

A monthly cost figure is the wrong tool for a 25-year retirement. The reproducible 7-step method for your own year-the-margin-hits-zero, levers ranked.

Every retire-abroad checklist is built to clear you to go. This one can return 'no': four solvencies, financial to exit, scored on 25-year survival.

The '$10,000 SRRV' every guide quotes was abolished in September 2025. What the restructured visa now costs to enter and hold, by age, sourced.

The universal expat reassurance is a conditional that fails exactly when it is needed. 'Go home' decomposed into five preconditions, each plotted.

The O-A visa is not a one-time hurdle but a three-gate solvency re-test run every year for life, each gate hardening with age. Decomposed and costed.