• Nicole Echeverria felt unsafe in the US and wanted to try living abroad.
• She applied for graduate school because she thought getting a student visa would be easier.
• She now lives and works remotely from Nazaré, a beach town an hour and a half from Lisbon.

This as-told-to essay is based on a conversation with Nicole Echeverria, 31, who moved from New York to Portugal in 2019. The following has been edited for length and clarity.

I'd had the itch to try living abroad for some time.

I grew up in New York, graduated from the University of Michigan with a bachelor's degree in economics in 2015, and then moved to Boston for work.

After the 2016 elections, I began to feel anxious about my safety. That's when I started seriously considering moving abroad. I just needed to find the right opportunity.

I knew a student visa would make it easier to move, so I thought, why don't I apply to graduate school abroad?

Most people think graduate school is only worth it if it can propel their careers forward. However, I saw it as a way to gain valuable life experience and keep me in the same career field.

I had a few requirements: The degree had to be business-related, taught in English, and American-accredited. It also had to be in a country with a lower cost of living so that I could pay for my degree without taking loans.

In the winter of 2018, I found the right program. It was a two-year Masters of Science in Business program at Católica Lisbon School of Business & Economics.

At that time, the program cost around 14,300 euros, which I had in savings.

I left Boston, where I had been working in content marketing, and moved back home to live with my parents in Long Island. For nine months, I focused on saving up as much as possible while commuting to New York City for work.

In August 2019, I moved to Lisbon. Although I had traveled to other parts of Europe, I had never visited Portugal. I went purely on the faith that if I wasn't happy there, I'd return to New York once I graduated.

I got really lucky that I ended up loving it. Lisbon instantly gave me a Los Angeles vibe. The weather was hot, but the beaches were beautiful. Everyone had a relaxed attitude, and people weren't on edge like they were in New York.

I didn't intend to stay

Around half a year into my program, the pandemic struck, and everything went remote. Many of my international classmates returned to their home countries. That's when I was faced with the question: Do I want to go back to New York?

Back in the US, I was always hyperaware of gun violence. Anything could happen walking in the streets of Manhattan, for example. A crazy person could approach you, and you just have to keep walking. It also looks like it's gotten worse, with incidents of women getting assaulted on the streets.

As hard as it was to be away from my family and close friends, prioritizing my health and safety was worth the loneliness of moving abroad. I felt less anxious about safety in Portugal, which solidified my decision to stay.

Portugal has a post-graduation work visa that grants international students a year of residence to find employment. After being on the visa for a year, I registered as a freelancer on a regular work permit and have worked as a social media manager since.

My family was surprised by my decision to stay. My dad told me that when my grandparents ask about me, he has to remind them that I live in another country now. But I still return a few times a year for Christmas or special occasions.

I'm planning a wedding in Portugal

In 2022, I met my fiancé through TikTok. He's Portuguese and commented on one of my videos. After two years, we moved in together in Nazaré, a beach town an hour and a half away from Lisbon.

We're planning our wedding in Portugal for August next year. We picked a venue an hour and a half away from Porto in the countryside. It's a gorgeous historic building built in the 1700s, and we're super excited about it.

The venue will cost $3,500 for a two-day rental, offering us the chance to have an affordable wedding.

Sometimes, I tease my fiancé with the idea that once I get my Portuguese passport, we can move to Greece or elsewhere in Europe.

For now, we dream of living in Lisbon and having a summer vacation house in Greece. From the relaxed way of life, lower cost of living, and the fact that I can work remotely as a freelancer, it just makes more sense to have my life here.

I'm definitely planning on staying for the long term.

• Kenzie Wallace, 27, moved from California to Spain after she graduated from college in 2018.
• She loves the culture, safety, opportunities to travel, and relative affordability.
• She hadn't originally planned to move abroad, but now she doesn't plan to return to the US.

This as-told-to essay is based on a conversation with Kenzie Wallace, a 27-year-old from San Diego who moved to Spain in 2018. The conversation has been edited for length and clarity.

I graduated from the University of California, Santa Barbara, a year early. I had no idea what I wanted to do with my life, but I knew I wasn't ready to settle down and get a job.

I was thinking about what was next — what would I do for myself?

The most obvious option was a master's teaching credential program. I started doing everything one does for that: preparing for the GRE, volunteering, and working with a professor who was a mentor of mine.

One day, the professor asked me, "Why do you want to do this program?" I don't remember what I said to him, but whatever it was, it wasn't convincing.

He told me, "You've studied Spanish before and are good at it. Why not take those skills, go abroad, and teach English in a Spanish-speaking country while you try to figure out your life?"

I had never thought about moving to Spain until that conversation. After doing some research, about a month later, I found a teaching English program in Madrid and decided, "I'm going to do that."

At first, I thought I would stay in Spain for a year and then return to the US and get a job. But about three days after moving to Madrid, I knew I had finally found my place.

I took a leap of faith moving to Spain

I was 20 — just a week shy of my 21st birthday — when I boarded the plane to Spain in 2018.

I was lucky that my parents supported most of my way through university, so I wasn't coming to Spain with a lot of student loans or debt. I also worked at Starbucks during college and had about $12,000 in savings.

Still, I didn't know anyone and wasn't exactly sure what I was getting myself into.

I moved to the country on an English teaching visa through Spain's language assistant program. The program contracts native English speakers to work in public schools, teaching English immersion classes.

I had applied before arriving in the country, secured a part-time teaching job that earned me about $1,000 a month, and was assigned to a school. For my first two weeks in Madrid, I stayed with a host family

When those two weeks were up, I had to figure out housing on my own.

I had to figure out life in Spain on my own

Eventually, I found an apartment on real-estate website Idealista for €530 ($557) in a shared flat with six other Spanish girls. I was the only one who spoke English.

If it weren't for that first apartment, I would never have felt truly connected to Spain.

Though I made friends — American friends through mutual connections, Facebook groups, and colleagues I worked with at my school — it was my roommates who showed me what Spain was truly like.

You can learn about a country and how to speak its language from a book, but it's not the same as putting yourself out there.

I fell in love with Madrid

After my first year in Madrid, I decided to stay another year, which eventually turned into, "I'm just going to stay for as long as I can."

I realized I had my whole life ahead of me to get a master's or a job, but I wouldn't have this opportunity forever.

Spanish people are really friendly and inviting, and the country's proximity to other European countries makes me feel like the world is at my fingertips.

I liked the person I was becoming in Spain. I felt more independent, resourceful, and stronger. l knew that my future was all up to me, and that I could carve my own path.

It felt incredibly freeing and I wanted to keep moving in that direction.

I made a life for myself in Madrid

I've been working at Business and Language College Spain, or BLC Spain, since May of 2023.

I have working rights now through a partnership visa, so I no longer have to worry about the restrictions of an English teaching visa.

At my job, I work with international students coming to Spain, helping them navigate the things I once had to figure out on my own.

Most students don't know how to find housing, open a bank account, or get a phone number. It's rewarding to guide them through those processes.

I have a Spanish partner. We've been together for four years, and almost a year ago, we bought a two-bedroom apartment in Madrid for €240,000 ($252,295). It's located in the eastern part of the city.

The apartment is 77 square meters (about 829 square feet), which is a big improvement since we previously rented a one-bedroom place. We wanted to be able to have guests and set up an office.

Our apartment isn't extravagant, but it's a great starter home, and we're really happy there.

Our neighborhood is great because even though it's a little outside the city center, it's very well-connected. We're also on a major street with many bars, restaurants, and shops. It's definitely less central than we were before, but we like the neighborhood vibe.

Living in Spain has some downsides

My biggest complaint about Spain is the lack of organization and efficiency.

It's tough when you're trying to renew your visa or worrying that your paperwork won't be processed in time. However, it's been a good growth experience for me.

I've been in Spain for so long that I no longer see everything through fresh, rose-colored glasses.

Inflation is a big problem worldwide, and Madrid is much less affordable now than it was seven years ago.

I do think some of the blame is placed on digital nomads — people who come here with high salaries, which drives up rent prices and affects locals who are on lower Spanish salaries.

While I don't know what the future holds, I still feel like Madrid is a place where expats are welcome.

I don't plan to move back to the US

There are a few major reasons I don't plan on moving back to the States.

One is the sense of safety. In Madrid, violent crime rates are very low. I can walk around at 3 a.m. without worrying about my safety. It's a comforting feeling that I've come to take for granted.

Another major factor is the cost of living.

The lifestyle I envision for my future just feels more feasible in Spain. Not including my partner's half of everything, my cost of living is probably about €750 euros a month ($788).

Spain would be an excellent place to raise a family, which I hope to do one day. Education is much more affordable, with schooling free from the age of three. Healthcare is also public and free.

Overall, I think my quality of life in Spain is much greater than what I've ever experienced in the States.

I miss my family, but we've grown closer since I moved to Spain. Over the past four years, I've made more of an effort to meet up with them. We get together once a year.

I don't feel like I've missed out on living back home. My 20s have been amazing. I finally feel surrounded by people who understand me, share similar values and interests, and have the same vibe.

When I got to Madrid, something just clicked. I wouldn't change any of it at all.

• 29 countries offer residence visas for remote workers, or "digital nomad visas."
• Spain and Italy have joined the growing list of countries offering digital nomad visa programs.
• Governments hope the visas will help develop more sustainable tourist economies.

In the lead-up to the election, Business Insider reported millions of Americans were considering leaving the country if former President Donald Trump won his 2024 campaign. After his victory was announced, searches for the phrase "moving to Canada" spiked — along with inquiries about international digital nomad visas.

The specialized visas allow remote workers to live and work in countries like Malta, Portugal, and Costa Rica — as long as their income comes from outside the country.

And as some American tourists consider moving abroad, dozens of countries have, in recent years, launched special visas designed specifically for remote workers to drive tourism in their countries.

In some countries, the visas have become so popular that they've had to start turning people away. As of October 2024, for example, Cyprus is no longer accepting digital nomads after it filled the 500 slots it had available for its visa program.

Nonetheless, there are still plenty of options elsewhere. Here are 29 countries that offer visas specifically for remote workers, the minimum income required to apply, and how much they cost.

Europe digital nomad visas

Malta

Malta, an island south of Italy, has a permit that allows nomads to keep their jobs elsewhere and legally stay in the country for one year with a chance of renewal.

To be eligible, you must be from a country outside the EU and EEA and have a minimum gross annual income of 42,000 euros. The Nomad Residence Permit requires applicants to have health insurance, hold a valid travel document, have a rental or purchase agreement, and pass a background check. There is no application deadline, but there is a 300-euro application fee.

Latvia

Latvia introduced its digital nomad visa in February 2022, allowing applicants to spend up to a year in the country with the opportunity to renew for another.

Digital nomads must either work for a company based in a member state of the OSCE (Organization for Security and Co-Operation in Europe) or a company registered in one of those countries for at least six months.

They must also have health insurance and make at least 2.5 times the country's average monthly salary of the previous year, which the government website reports is about $4,043 (€3,843). There's also a $63 (€60) state fee for the visa application.

Romania

To apply for Romania's digital nomad visa, digital nomads must show proof they can work remotely, either as freelancers, business owners, or employees of a company registered outside the country.

Applicants are also required to have a clean criminal record, medical insurance for the duration of the visa with a minimum liability of $31,580 (€30,000), make at least three times the average gross monthly salary in Romania, around $3,467 (€3,300), and pay an application fee of $126 (€120).

Hungary

Known as the White Card, the digital nomad visa in Hungary requires applicants to be employed by a company outside the country, have shares in a company outside the country, or work as a freelancer.

In addition to providing proof of health insurance and proof of accommodation, those keen on getting a White Card must earn at least $3,146 (€3,000) a month. Application fees can cost as much as $297 (€284).

Croatia

Croatia allows non-EU citizens to apply for its digital nomad visa program, which grants up to one year of residency for remote workers.

The program also allows residency for close family members of the visa applicant so long as the family meets the country's income requirements. To be eligible, applicants must make a minimum of 2,870 euros a month (or $3,035) or have a minimum of 34,440 euros (or $36,430) already available in their account.

Iceland

In Iceland, a long-term visa for remote work can grant you 90 to 180 days while working. The program requires that you are from a country outside the EU and EEA and also from a country that does not need a visa to travel to the Schengen area (US citizens can travel to Iceland without a visa).

Applicants must also have a monthly income of 1,000,000 Icelandic króna (or $7,156) or 1,300,000 Icelandic króna if they bring a spouse.

Greece

Greece started its Digital Nomad Visa in 2021 and is still operating today. The program lets non-EU digital nomads, with a 3,500-euro monthly income, stay for 12 months.

The application fee is refundable at 75 euros, and there's also an administration fee of about 150 euros.

Portugal

Portugal has been kind to digital nomads. With its "Temporary Residence Visa for the Exercise of Professional Activity Provided Remotely Outside the National Territory," or D8 visa, launched in 2022, non-EU nomads can still freely work there.

Applicants must be over 18 years old, prove income over 3,280 euros a month, and show proof of accommodation for at least 12 months. The application fee ranges from 75 to 90 euros.

Estonia

Estonia launched its Digital Nomad Visa (DNV) program in 2020, offering up to a year of residency for eligible workers looking to live in the Northern European country bordering the Baltic Sea and Gulf of Finland.

Eligible remote workers must prove they earn at least 3,504 euros a month (or $3,706) and apply in person at their nearest Estonian Embassy or Consulate. Application fees range between 80 and 100 euros ($84 and $105).

Spain

Spain's Digital Nomad Visa Program allows remote workers, their spouse or unmarried partner, and dependent children to reside in the country for one year.

Applicants must have an undergraduate or postgraduate degree from a "University, College, or Business School of prestige" or have at least 3 years of work experience in their current field, in addition to earning at least 200% of the monthly Spanish national minimum wage — currently set at 37.8 euros/day ($39) or 1,134 euros/month ($1,199).

Italy

Italy's Digital Nomad Visa is available to non-EU citizens who are highly specialized workers with careers that require post-secondary degrees or at least three years of professional training or experience.

The visa lasts up to one year for the applicant, their spouse, and dependent children. To be eligible, the applicant must prove that their salary is at least three times the annual minimum wage of 24,789 euros (or $26,221) and that they have at least 30,000 euros (or $50,000) worth of medical insurance coverage.

Asia and Africa digital nomad visas

Bali, Indonesia

In April, Bali introduced a Remote Worker Visa (E33G), which allows digital nomads to work from Bali for a year. Foreign workers in Bali must be employed by a company outside Indonesia and receive a yearly income of at least $60,000.

The application fee for a standard single-entry visa costs 12,900,000 Indonesian rupiah, or about $810.

Thailand

The Destination Thailand Visa allows digital nomads to stay in Thailand for up to 180 days per visit, on a multiple-entry basis, within five years. The visa fee costs 10,000 Thai baht, or $284.

Applicants must be at least 20 years old and have at least THB 500,000, or about $14,400 USD, in their bank. Employed workers are required to have a foreign employment contract, while freelancers need a professional portfolio.

Japan

Japan introduced a new digital nomad visa in April. This visa allows holders to work remotely in the country for up to six months. Visa holders must be nationals or citizens of selected regions, including the US and UK.

Applicants must have an annual income of at least 10,000,000 Japanese yen, or $65,000, and submit their applications in person or by mail to the nearest embassy or consulate general of Japan. A single-entry visa costs $22, while a multiple-entry visa costs $43, but some countries, including the US, are exempt from this fee.

United Arab Emirates

UAE's virtual work residence visa allows holders to live and work remotely in the UAE — including Dubai and Abu Dhabi — for up to a year. Applicants must make at least $3,500 a month and have sufficient health insurance coverage within the country.

The service fee to apply for the visa is 300 United Arab Emirates Dirhams, or about $80.

Cabo Verde

Cabo Verde's Remote Working Program allows remote workers to stay for up to 6 months, with the option of renewal after. Individual applicants must have an average bank balance of 1,500 euros, or $1,570, in the past 6 months.

The visa fee costs 20 euros, and applicants must submit an online form to indicate their interest.

South Africa

South Africa recently launched a remote work visa, which allows holders to stay for at least 3 months and up to 3 years. While details are still being finalized, the latest visa requirements state that applicants must have a salary of at least 650,796 South African Rand, or about $36,000, and a valid foreign-based employment contract.

Caribbean digital nomad visas

Grenada

To receive a digital nomad visa from Grenada, you need a valid passport, an annual income of at least EC$100,000 a year, or about $37,000, full COVID-19 vaccination, and valid health insurance.

There is no application deadline. The fee is $1,500 for individuals, $2,000 for a family of four, and $200 for each additional dependent.

St. Lucia

St. Lucia's Digital Nomad Visa program, "Don't Just Visit, Live It," has no income threshold. The one-year visa is available to remote workers, freelancers, and students.

The application fee costs $125 XCD (about $47) for a single-entry visa or $190 XCD (about $70) for a multiple-entry visa.

Curaçao

Curaçao's Digital Nomad Visa, the At Home in Curaçao program, has no salary requirements. Still, you must be employed, own a business, or have freelance clients outside the country.

Health insurance, a clean criminal record, and proof of accommodation or a lease on the island are also required. The visa application fee is about $294.

Dominica

To qualify for Dominica's Digital Nomad Visa, the Work in Nature (WIN) Program, you must be 18 years old and have a clean criminal record.

You will also need an income of at least $50,000 or have sufficient funds to support yourself and any family members accompanying you during a 12-month stay.

The application fee is $100. The individual visa costs $800, and the primary applicant can also apply for their spouse and dependents for a total fee of $1,200.

Anguilla

The digital nomad visa in Anguilla has no income requirements, but interested travelers must fill out an application at least 7 days before arrival.

Digital nomads also need proof of a negative COVID-19 test 3 to 5 days before they step foot on the island and proof of a health insurance policy covering COVID-19 complications.

Antigua and Barbuda

To nab Antigua and Barbuda's two-year visa through the Nomad Digital Residency Programme, applicants must be 18 or older, earn at least $50,000 a year, and have a clean criminal record.

Their employer must be outside Antigua and Barbuda as well. Application fees range from $1,500 for a single person to $3,000 for a family of three, plus another $650 for each additional dependent.

Barbados

Introduced in June 2020, the Barbados 12-Month Welcome Stamp offers a one-year visa for digital nomads interested in the island and the opportunity to renew.

Applicants must make at least $50,000. Fees are $2,000 for an individual and $3,000 for a family bundle and must be paid within 28 days of application approval.

North, Central, and South America digital nomad visas

Bermuda

The Work from Bermuda certificate was created for "remote workers, self-employed digital nomads and university students engaged in remote learning," according to the program's web page. It lasts for 12 months and is renewable on a case-by-case basis.

The application fee is $275, and interested applicants must be at least 18 years old, have a clean criminal record, and have valid health insurance.

There is no official salary requirement, but applicants must demonstrate that they "have substantial means" or a "continuous source of income," though no official range is provided.

Colombia

Colombia's "Visa V Digital Nomads" program allows expats from more than 100 countries to live and work remotely in the tropical country for up to two years. Applicants must make a minimum income of three times the current legal monthly minimum wage in Colombia, which currently equals about $885 a month.

The application costs $54, and if approved, the Visa itself costs another $177. People hoping to become digital nomads in Colombia must also provide a contract or employment letter detailing their employment agreement and compensation details. Entrepreneurs may alternatively submit a letter outlining their business project and financial resources.

Belize

Belize offers citizens of the European Union, the United Kindom, the United States, and Canada the chance to live and work in the country via its "Work Where You Vacation" program. Applicants can secure a six-month visa by proving they make a minimum annual income of $75,000 or $100,000 if applying with dependants. Kids under 18 are eligible to enroll in the country's school system.

Applicants must submit a notarized banking reference, a police record, and proof of travel insurance. The visa costs $500 per adult and $200 per child.

Costa Rica

Costa Rica's digital nomad program extends the country's 90-day tourist visa to a full year with the option to renew for an additional year. Applicants must be foreign nationals who earn a minimum of $3,000 a month or $4,000 a month if applying with dependants.

All application materials must be submitted in Spanish. The application costs $100, while the visa is an additional $90.

Brazil

Brazil's digital nomad visa (VITEM XIV) allows foreign nationals from more than 100 countries to work remotely in the South American country for one year and to renew for longer.

The visa is available to remote workers who can prove a monthly minimum income of $1,500 or an available bank balance of at least $18,000. Applicants must submit a background check, a copy of their birth certificate, proof of valid health insurance in Brazil, and documents proving digital nomad status.

The visa costs $290 for US applicants and between $100 and $215 for UK applicants. Expats from all other countries will pay $100 for the visa.

• Joel Balsam grew up in Ottawa, Ontario, and dreamed of traveling the world from a young age.
• As a travel writer, the 34-year-old has spent most of the past decade abroad.
• Balsam realized during the pandemic he didn't want to be based in Canada and found a home in Brazil.

At about this time last year, I found myself on a two-week trek in the Himalayas, burned out. I wanted to scream into the snowy mountains, "Will I ever find a place where I belong?"

I grew up in the suburbs of Ottawa, Ontario, nicknamed "The City That Fun Forgot." I've always wanted to see what was out there beyond my quiet backyard.

After studying political science and journalism at university in Montreal, I spent four months backpacking in South America. The last country I visited on the trip, Brazil, blew my mind. Locals in Rio de Janeiro, where I celebrated Carnaval in 2013, said I was just like a "carioca" — what locals call themselves.

I was amazed by their passion for their music, dancing, and culture — a sense of pride they call "Brasilidade." I'd never experienced anything like that in Canada.

Looking for somewhere else like Rio

Vowing to return, I went back to Canada and worked at a weekly newspaper, but the call to travel came again.

In 2015, I spent a year teaching English in Madrid and traveled across Europe, India, and Southeast Asia. To make extra money and continue my writing career, I wrote trending news articles for a Montreal-based website that allowed me to work remotely.

After basing myself in Medellín, Colombia, and Oaxaca, Mexico, for a few months each, I returned to Rio in 2018, hoping to feel that spark again. But the energy wasn't as I'd remembered. There had just been a divisive presidential election won by Jair Bolsonaro. I continued traveling.

I went on a four-month road trip across the Southern United States with my girlfriend at the time, a photographer. We teamed up to do stories for top international publications like Time, The Guardian, and National Geographic. We traveled to Morocco and Armenia so I could write guidebooks for Lonely Planet. I felt as if I was living my dream life. Then the pandemic hit.

Unsure of when international travel might return, my partner and I decided to buy an apartment in Montreal.

While I love Montreal, I struggled mentally during the pandemic curfews and the long Canadian winters. In 2022, my partner and I broke up, and I felt the urge to find somewhere to call home.

Lit up again in Brazil

Last year, I traveled to 17 countries for work and to search for a place to live. Everywhere I went, I asked people why they chose to live where they did.

By November, I felt burned out from my search, which culminated in that mountain meltdown in Nepal. To see whether I could find belonging with other wandering souls, I took a cruise with digital nomads from Spain to Brazil.

I don't think there's anything wrong with traveling full time, but I found myself butting heads with other passengers who seemed to want to live exactly as they did back home, just more cheaply and in better weather.

When the cruise landed in Salvador, roughly 930 miles north of Rio, most cruisers carried on traveling, but I didn't want to leave.

The palm trees, the way locals told stories, the nuances of the country's culture — everything lit me up about Brazil as it had during my first visit. I felt the energy had relaxed since Lula was reelected president in 2022.

I traveled to the island Parintins in the Amazon for a Brazilian festival, Boi-Bumbá. As thousands sang and danced in performances that told Indigenous and Afro-Brazilian stories, I realized that in the 60 countries I'd been to, there's nothing like Brasilidade.

When I got to Rio, my urge to travel dissipated. I find life here perfectly balances health and fun. People of all ages love to party, and there isn't the pressure to stop after your 20s. I think Rio is the most beautiful natural city I've ever seen. There aren't long periods of social hibernation, as it never gets cold.

Career-wise, I feel there are so many stories to write in Brazil. The city hosts international events like the G20, which was here last week. I know I'll always be a gringo, but I feel welcomed.

The city has its downsides. There are high crime rates in Rio, though I've never been robbed. And I do find the international cuisine options lacking. Other than that, I think Rio has it all.

Logistics of moving to Rio

US and Canadian passport holders can stay in Brazil for 90 days with the option of extending for a total of 180 days in a year. There are various visas to stay longer, including a digital-nomad visa that permits remote working in Brazil for a year.

I am on a one-year student visa as I improve my Portuguese and will look into a journalist visa afterward.

While Rio, especially in the beachy Zona Sul, is more expensive than most of Brazil, I find it very affordable compared with other places I've been.

For instance, I pay $500 a month to rent a one-bedroom apartment in the hilltop neighborhood of Santa Teresa, which I found through a friend of a friend. Other places are much more costly though, especially short-term rentals by the beach. Otherwise, I find Rio to be affordable on my salary. A hardy Brazilian lunch with rice, beans, and meat for under $5 and beers that cost only a couple of bucks fit my budget.

As for whether this choice to stay is permanent, right now it is. I'll still travel, but I'm looking forward to shorter trips and having this incredible city to return to.