We retired early and moved to Ecuador. The cost of living and healthcare are more affordable, but there are challenges.

Stephen and Joanna Vargha

This as-told-to essay is based on a conversation with Stephen and Joanna Vargha, a married couple who moved from North Carolina to Cuenca, Ecuador, in 2020 after retiring early. Cuenca is located in the Andes mountains and has a population of about 600,000 people. Their interview has been edited for length and clarity.