58yo perma-traveler, retired at 38yo

Say hello!!
shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

OP here. I'm was trapped 95 nights in a town of about 20000 people in southern Spain starting March 12. Lockdown wasn't too bad. During strict lockdown, I was able to visit the store each day then walk around town for an hour or two with my shopping bag. Strict lockdown ended after a month and then I was able to spend 4 hours each morning walking in the mountains just outside of town (5 minutes from my hotel to reach countryside). As of this Monday, I'm currently hiking town to town again, alternating between hotels and camping in the forest. Sometime in July, I'll fly to Ukraine for 3 months or maybe more.

Financially and otherwise, I am always prepared for something like a lockdown. In particular, I'm always prepared for an injury that forces me to stay in a hotel a month or so recuperating.

This won't be the last pandemic. But lockdowns to fight pandemics are terribly inefficient, especially pandemics like covid-19 which aren't even very serious, certainly not as serious as smallpox or ebola, so I don't expect lockdowns of entire countries in the future. But I would expect air travel to be cut and containment zones within countries.

There will likely be a gradual redesign of society to be more resilient in the face of frequent partial lockdowns. In particular, a move away from lean inventories and high debt (thus exposure to cash flow problems) towards lots of slack capacity and more equity and cash reserves. This will raise costs substantially. Hotels and air travel, my two big expenses, might thus be more expensive in the future. Working from home part of each week will be the norm where possible, in preparation for fulltime working from home. People might increasingly live in small towns a few hours away from big cities, then commute to the big city occasionally for several long days of in person activities (medical care, face to face interviews, social events). Hotels or pied-a-terre apartments to accommodate such a lifestyle might be a good business.

nomadscientist
Posts: 401
Joined: Fri Mar 13, 2020 12:54 am

Re: 58yo perma-traveler, retired at 38yo

Post by nomadscientist »

shemp wrote:
Sat Aug 03, 2019 2:27 pm
As for the future, it occurs to me that perma-travel like I do now may someday be impossible, such as because of pandemics that cause shutdown of most passenger air travel and for whole counties to be quarantined.
:shock:

I enjoy your posts.

ertyu
Posts: 2893
Joined: Sun Nov 13, 2016 2:31 am

Re: 58yo perma-traveler, retired at 38yo

Post by ertyu »

OP, what are your end-of-life plans? Asking as someone else who doesn't really have family and isn't likely to start one.

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

@ertyu: My basic plan is to continue my current lifestyle of permanent foot/bicycle travel as long as possible. My normal schedule is 3 months hiking in Spain in the spring, 3 months in an apartment in Kyiv in the summer to visit the sugar baby, 2 months hiking in Bulgaria in the autumn, 2 months bicycle touring in the USA desert in the winter, finally 2 months in a motel in the USA to replace/repair gear and attend to business that can't be done while traveling (renew passport and driver's license, etc).

Due to the covid-19 lockdowns, this year was slightly different: longer stay in Spain, delayed stay in Ukraine, probably skip Bulgaria, and who knows what the situation will be when I return to the USA.

The desert bicycle touring is fairly strenous, so I'll probably give that up when I turn 70 in 2031. At that point, I'll probably move gear in my storage locker to Ukraine and arrange residency there, so as to avoid annual trans-Atlantic flights. I'd still plan to fly from Ukraine to Spain each spring, though Greece would be acceptable substitute if flying to Spain becomes a problem, since Greece can be reached from Ukraine by bus. Like Spain, south Greece mountains have Mediterranean climate, which is best climate for spring hiking. Mountains of Ukraine, Bulgaria and northern Greece are best in early autumn.

If I suffer some injury that forces me to give up hiking, then I'll probably just do bus travel around Ukraine and the Balkans. Stay in small towns for a few days, then move on.

Freedom_2018
Posts: 479
Joined: Sat Dec 18, 2010 12:10 am

Re: 58yo perma-traveler, retired at 38yo

Post by Freedom_2018 »

@shemp:

I've enjoyed your posts and am a few years behind you. I retired at 39 and in the 8th year of having left Corp America and am 100% nomadic. Last year spent 8 months in Europe and had to come back due to Covid but would have liked to continue much longer. Currently biding time in the US waiting for opportunities to head out again. Since you are much more experienced than me in Europe and other travel, if you don't mind, I have a few questions:

- Are you subject to the 3 month Schengen limitation or do you have some EU residency etc? I ask because that is always a thorn in my side and I have to juggle with UK and the few remaining non-schengen countries ... which increasingly look like might turn Schengen too.

- Are you originally from the US and have family/ties to Eastern Europe etc? I grew up in India but unless I open my mouth find it fairly easy to not stand out too much thanks to a somewhat 'citizen of the world facial features' as someone once remarked.

- How would you compare Ukraine to say Romania? I ended up spending two months in Romania and liked it quite a bit. Haven't been to Ukraine but wonder if the people are a little more aloof/unwelcoming of outsiders. Are they well disposed towards US Citizens?

- Are you a US citizen? Asking because it seems like social security payments can't be made to Ukraine and a handful of other countries. Of course things can change with time.

If it is better to address this via PM versus here, pls let me know and I will reach out.

Thank you jn advance. I am also happy to share my approach and experiences being job free and nomadic the past 8 yrs if that is of any interest.

Regards,
M

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

I'm subject to Schengen 90/180 rule. Not a problem because I only want 90 days in Spain in the spring. Bulgaria might someday go Schengen, but I want less than 90 days there in autumn, so again not a problem.

Ukraine is where I will eventually want more than 90 days each 180 days. Residency can be legally purchased for about $2500/year including lawyers fees. There are gray area ways to get residency in Ukraine for under $1000/year, but I can afford to pay $2500 and will do so to avoid possible problems.

I have no family ties to Eastern Europe or Spain either. Countries I mentioned happen to be convenient for me. I currently speak French, Spanish and Russian at the B2 level, and used to speak Greek at the A2 level. That affects my choice of countries to travel in, since people in small towns everywhere typically only speak their local language. In Bulgaria, older people often speak Russian. Everyone in Ukraine can understand Russian and most can speak it, though small town western Ukrainians sometimes mix up Russian and Ukrainian for lack of practice.

I've never been to Romania and have no plans to spend time there, other than possibly passing through on buses from Ukraine to Bulgaria. English levels are high among young people in Romania, but you are still cut off of you don't speak the local language. I see no reason to bother learning Romanian to get access to Romania, when I already know Russian, which gives access to Ukraine.

Like all slavs, Ukrainians are somewhat xenophobic, but I get along there fine. Speaking Russian makes a huge difference. My facial features are western European (French/German) so Ukrainian police and other suspicious types immediately detect I'm a foreigner, but most ordinary citizens don't know until I begin to speak.

I'm a US citizen. If residing in Ukraine, just have social security deposited in a US bank. I'd probably continue to keep all my financial accounts in the US, even if permanently residing in Ukraine, other than one local Ukrainian bank account with a thousand dollars at most. Then use transferwise or equivalent to top up the local bank account as needed. The fewer foreign accounts, the less trouble with US taxes, and you continue to be liable for US taxes as long as you remain a citizen. I would be very hesitant to give up US citizenship.

Freedom_2018
Posts: 479
Joined: Sat Dec 18, 2010 12:10 am

Re: 58yo perma-traveler, retired at 38yo

Post by Freedom_2018 »

Thank you very much for your response.

I did not know about the $2500/yr Ukraine residency option (haven't done much research on Ukraine yet) but once I get traveling overseas (hopefully in the near future) I would like to spend some time in Kyiv and Lviv...have heard good things about both places. Stayed a month in Croatia (preferred Zagreb to Split) but did not have any meaningful interactions with the locals beyond tourist stuff. Found slavs to be a little reserved but helpful when needed. Also at 5"10" I'm shorter than a lot of slavs whereas in Romania many people were shorter and more delicately built than I am. Most slavs looked like they could belong on an athletic team and kick my ass (including many women). Romanian is also an easier language to fiddle about in if one knows some Spanish.

Your language skills are impressive and I wish I had devoted some time to learning more than a smattering of Spanish in the past few years. Do you have any suggestions about how to pick up a language quickly, especially from a remote location ? (probably best way is to jump off deep end and put oneself into a position where there is no other option).

In the US I did motorcycle camping for 5 months and then some car camping which I've mixed with housesitting...a combination that I have enjoyed a lot since I get to see a community from the inside and also get to enjoy the company of pets (despite growing up in a family paranoid about animals...doctor father made me write a paper on zoonoses in the 8th grade..my biology teacher didn't even know what the word meant). I do miss seeing friends regularly but after a few years realized I am not seeing them any less frequently than I used to before (people seem increasingly insular and 'busy'...covid will only exacerbate the situation). On the other hand made some new friends through travel ..and all of them are older than me...mostly in the late 60s/early 70s.

Refreshing to hear your views about US citizenship especially since some expat blogs I've been reading seem to shit a lot on the US (especially the ones run by Canadians 😁). As someone who had to earn his US citizenship the long way (work visa, student visa, work visa, green card, citizenship) I sometimes feel the people who were born and raised here don't appreciate how fortunate they are on the whole. I don't plan to give up US citizenship either and for a while was contemplating getting an EU passport but then wondered if it might complicate things and maybe a long term stay visa or residency in a specific country might be a better way to go (remembered reading an article about some guy who had multiple passports and got into some legal trouble and looking for help from the embassy and each country was trying to palm his troubles off to the other).

guitarplayer
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Location: Scotland

Re: 58yo perma-traveler, retired at 38yo

Post by guitarplayer »

@shemp, I very much appreciate your contributions to the forum. Reading attentively and I am sure I am not the only one.

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

@Freedom_2018: that $2500 number is approximate. About $500 lawyer's fees, $400 for things you could do for free if you are fluent in Ukrainian and familiar with Ukrainian bureaucracy, $1200 for taxes on employing yourself as director of your own company which you buy consulting services from (sic, complicated but legal), rest is fees. Some people "forget" to pay the $1200 taxes, in hopes the various branches of government aren't coordinated, but I wouldn't count on this, since it's child's play to do the checking with computers.

Western slavs are notoriously tall. Montenegro has tallest Caucasian people in the world. Ukrainians not so tall. I'm 5'11" (180cm) and don't feel short in Ukraine.

---
There is no easy or fast way to learn languages. I recommend Assimil Sans Peine course to start, if they have an English version of the target language. Order from France, using Chrome translate if the ordering page in French, and Paypal to pay (i had some problems paying with regular credit cards, but not paypal). Takes about 1 week to deliver to the USA. If there is no English version of the Assimil course for the target language, use Pimsleur. 90 units of Pimsleur also advised for hard languages, such as Russian for most native English speakers, before starting Assimil course. Assimil and/or Pimsleur will give good pronunciation. If using Pimsleur only, also read a short grammar book. Assimil course includes its own grammar book.

Then spend several years listening to native speaker recordings with transcripts, native speaker podcasts with transcripts, or audiobooks with written ebook version, all of which amount to the same thing. Listen to recording, read transcript, listen again, go onto to the next recording/transcript, repeat everything a few months later.

There are also some excellent Anki decks (at https://ankiweb.net/shared/decks/, search on "sentences") made with Tatoeba sentences, some with native language audio, some with computer generated audio, some with no recording. For sentences with recording, listen to the recording in the target language, memorize sentence concept in language neutral form (e.g. for "the man sits in the car and drives away", memorize an image of what is described, not the actual words), then speak the sentence you just heard. Then press the button on your smartphone to show the transcript plus English translation. This is an extremely powerful technique, assuming challenging enough sentences. Sentences without recording are less powerful, but there are way more such sentences available. Display target language version, read aloud, memorize concept in language neutral form, close your eyes and speak sentence again, verify no mistake. Press button to display English language version. Or display English version first then translate to foreign language, then press button to compare (many correct ways to translate most sentences, of course).

Once your vocabulary is big enough, you can read real books or web pages in the target language. Make sure to sound out words aloud or in your head while reading, same as you probably did when first learning to read English as a child.

Finally, pay for maybe 40 hours of in person conversation practice.
---
The main reason for wanting to get rid of USA citizenship is to avoid USA taxes. However, USA taxes can be very low for retirees with stocks investments. I legally paid under 6% tax on my 6 figure taxable dividend income in 2019, for example (15% rate on qualified dividends, foreign income tax credit, standard deduction). I had additional income in my Roth account which is not taxable plus unrealized capital gains, so my overall rate on all income was under 3%. People with location independent income can avoid taxes by setting up a foreign company and hiring themselves and then using foreign earned income tax exclusion. Plus there are some very good deals with relocating to Puerto Rico. Most of the people pushing multiple passport schemes to those with USA citizenship are trying to sell consulting advice or else appealing to nobodies who wannabe Jason Bourne / James Bond.

biaggio
Posts: 35
Joined: Sun Apr 23, 2017 5:31 am

Re: 58yo perma-traveler, retired at 38yo

Post by biaggio »

OP, if you don't mind sharing, do you finance your ongoing expenses exclusively from passive income (dividend, bond interest, selling stock)? If that's the case you seem to be one of the few on this forum that actually manages to live solely off capital without side hustles.

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

Yes, exclusively from dividends/interest and it's been that way since I fully retired in 1998. I was all bonds then because I didn't understand or trust stocks yet. As you may recall, bonds were paying good interest in the late 1990's plus the USA government had just introduced TIPS (government bonds adjusted for inflation) which were paying something like 4% then (so 4% plus another 3% or whatever was/is the current USA CPI-U inflation rate). I have always been paranoid about inflation, so I loaded up on those TIPS and they did extremely well over the next decade. I switched to stocks during the financial crisis starting 2008.

I don't think I'm the only one here who is living only on return from capital. Also, there are lots of people here, and in society in general, living on pensions without side hustles. Pension is different from living on return from capital, however both are purely passive income. I don't think various types of passive income feel different, whereas I know it would feel very different to have even a small active income, or side hustle.

Freedom_2018
Posts: 479
Joined: Sat Dec 18, 2010 12:10 am

Re: 58yo perma-traveler, retired at 38yo

Post by Freedom_2018 »

I am a few years behind shemp on this. Retired in 2012 and have not performed any work/side hustle etc or earned a penny from the same since then. Mostly dividends from index funds and some occasional capital rebalancing.

Psychologically I have seen a significant difference between someone who say gets CALPERS pension (largest public pension fund in the US) and someone like me who is extracting income purely from monetary investments. Getting a pension is like getting a paycheck without having to go to work and very few even bother reading the newsletters or updates that might contain information about how the fund performed or potential risks to payouts in the long run - it is essentially someone else's problem.

Living off of capital I think one gets a lot of opportunity to build character in the face of adversity and taking full ownership for the outcome of one's life.
(adversity being defined as occasional significant change in the value of the asset, not a reduction in the quality of life due to change in asset value...at least not in the short (1+ yrs) to medium term (5-10 yrs))

trailblazer
Posts: 122
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Re: 58yo perma-traveler, retired at 38yo

Post by trailblazer »

Just saw this thread - you are living a life very similar to what I'm looking for - including spending levels - keep sharing, especially any ideas on money management! Thanks

Crusader
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Location: Toronto, Canada

Re: 58yo perma-traveler, retired at 38yo

Post by Crusader »

@shemp I find your life path really interesting, thanks for sharing! I am most curious about your paid girlfriends. How did you evolve from wanting a "normal" girlfriend, failing to be happy with one, to having paid sugar babies and being happy with it? And, you seem to have gotten one which is semi-permanent at this point if you are considering to reside in Ukraine. Do you think you had some particular upbringing that contributed to this?

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

Crusader wrote:
Tue Aug 25, 2020 11:22 am
I am most curious about your paid girlfriends.
Well certainly my upbringing contributed to my current personality, and it's my current personality which causes my current behavior. But trying to trace back the chain of causes and effects is hopeless. Simpler to just focus on my present situation, the most salient aspects of which, concerning girlfriends, are:

1) I like traveling and much of that travel is adventure travel (hiking, bicycle, camping), which makes it difficult to find a new normal girlfriend, though maybe it wouldn't be an insurmountable obstacle to keeping an existing girlfriend;

2) I am no longer sexually attracted to women near my own age, despite preferring women in their 40's when I was younger than 40 myself. Now that I'm 59, soon to be 60, "my own age" means women in their 50's, whereas what I want are 19 year olds. (18yo are not ready, that one year of extra age makes all the difference in the world as they leave home and start university and go wild.)

Difficult to get free sex with a quality 19yo when I'm 40 years older and a traveler just passing through town. Plus, even if the girl said yes, it would feel shameful for both of us, because it would make me feel like a cheapskate and her feel like a chump. Whereas everything works smoothly once money changes hands.

The girl I see now is 29, and I still find her attractive and we work well together in bed. But this is probably our last year together, because the excitement is gone. I'm not sure what happens next, since I am getting more and more particular about what I want, and less and less patient about putting in effort to get what I want, and more and more accepting of solitude as preferable to less than perfect company.

IMO, paying for sex really only works if there is a huge age or wealth difference, as there is between me and these girls I see. Liberalization of sexual mores, growing wealth/income disparities and reduced interest in children and family formation among young women means sugar babying should flourish in the future.

BTW in looking back at this thread, I notice I cited $2500/year for residency in Ukraine. Turns out there are some creative ways to get the cost to $1000/year. However, I've decided to postpone applying for residency, since it is complicated and I dislike complications. Simpler to just move every 90 days and use tourist visas forever.

Crusader
Posts: 342
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Location: Toronto, Canada

Re: 58yo perma-traveler, retired at 38yo

Post by Crusader »

Interesting, I too (I am 35 now) have been (and am) attracted to older women, mostly because they are easier to deal with and the youngsters are way too immature for my taste. I was never interested in "taking care" of someone or being someone's mentor or "daddy", it was more the opposite (I want to learn from older, wiser people, including women). But as I've been running out of things to "learn" and having become "wise" (at least "wise enough") myself, I find myself less and less interested in dating in general, and like you say, prefer solitude over less than perfect company (which I am not ever sure exists). Anyway, I enjoy reading your journal, keep it up!

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 58yo perma-traveler, retired at 38yo

Post by shemp »

End of year update.

Plan for 2020 was hiking in Spain in spring, city living in Kyiv, Ukraine in summer, hiking in Bulgaria in autumn, bicycle touring in southwest USA in winter. Plans were upset by hysterical worldwide overreaction to covid-19.

(I expect hysterical overreaction to eventually provoke violent counter-reaction. Not sure exactly what form counter-reaction will take, but xenophobia will surely be a big component. Furthermore, rapid population growth in lower latitude countries most likely to be negatively affected by global warming means we can expect massive famines in the not too distant future. There should also be some shooting wars associated with shift in world economic predominance from USA to China. I expect these wars to be limited, naval focused, and for USA to "lose". Loss of prestige and economic effects will be greater than loss of life or ships. Wise to diversify starting soon, out of USA bonds and other interest rate sensitive assets.)

Anyway, I was trapped in Baza, Spain 95 days. Fortunately, that town is right next to mountains, so I was able to day hike 4 hours daily during last 65 or so days. Then I hiked town to town in Spain for a month before flying to Kyiv, where I've been ever since and where no one takes covid seriously: crowded bars, people dancing cheek to cheek without masks, etc. I will remain in Kyiv until end of February at least.

Investments up about 25% for year, after accounting for estimated income taxes (most of 25% gain is unrealized capital gains, only taxable income is dividends in non-retirement account). At beginning of year, about 30% cash, 70% non-USA stocks. During March panic, I switched to 99% stocks, and ended year at 2% cash, 71% non-USA stocks, 27% USA stocks. USA component tilted small value, with zero big tech and other glamorous growth stocks. Non-USA component overweight Russian energy stocks. No bitcoin or gold, and no plans to add either.

Spending for year about $28K, of which about $10K hotels and weekly apartments, $1500 for USA storage locker, mailbox, mobile service and similar recurring expenses, $1500 transportation, $10K for sugar baby in Kyiv, $5K other. I am drastically underspending, based on net worth, but old cheapskate habits die hard.

Contrary to what I wrote above, I plan to continue seeing the sugar baby indefinitely. We have little to talk about and nothing exciting about her, but I am coming to appreciate reliability as the most important quality in a sex partner (as elsewhere in life), and she is definitely reliable.

Plan for 2021 is to resume perpetual traveler lifestyle as soon as possible. Maybe 10 years from now, when I turn 70, get residency in Ukraine and move my storage locker there.

A Life of FI
Posts: 123
Joined: Thu Oct 13, 2011 8:55 pm

Re: 58yo perma-traveler, retired at 38yo

Post by A Life of FI »

I think a baby boom could be part of the reaction.

Many Millennials being driven to fear for their lives (although unnecessarily) may make them dwell on the fact they will not live forever and spur them into reproduction - which is sometimes how people try to death, by living on in some way through children.

They are the largest generation now and at an average age of 30, so if enough of them felt this it could result in a measurably increased number of babies being born - which could then catch on as the in-thing to do among those who didn’t experience the same level of fear. That is it could become a fad, ironically like fearing the virus became.

ertyu
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Re: 58yo perma-traveler, retired at 38yo

Post by ertyu »

for sugar baby: do you pay per month, per meeting or how does that work? just curious

shemp
Posts: 152
Joined: Wed Jun 12, 2019 11:17 am

Re: 60yo perma-traveler, retired at 38yo

Post by shemp »

I pay the girl per meeting. Reason is to create a strong association in the girl's mind between sex and money. Good sex => she gets money. No sex or bad sex => possibility I'll replace her and she gets no more money. Paid girlfriends need to be constantly reminded that they can and will be replaced if they start to misbehave, especially if they start withholding sex. So I strongly advise against monthly allowances or letting the girl move in with you instead of giving her cash or anything other than pay per meet.

Pretty young women can go years without sex and not feel deprived, so offering such women sex in exchange for sex is ineffective. (Unattractive women are different, since they are desperate for male attention. Women who babble about sex in forums are typically very unattractive in some way, possibly physically, possibly psychologically, so listening to such women gives a very misleading impression of women in general. Pretty young women with pleasant personalities are NEVER short of male attention.) That doesn't mean these women are frigid and incapable of enjoying sex. Rather, it means that sexual desire in them mostly arises as a means to get what they really want, which is social status among other women.

Normally, women either earn social status themselves, same as men earn it, or they gain social status from being the girlfriend/wife of a high status man. Children can also add social status, if the woman's social group consists of other mothers. Being a paid girlfriend is not itself high status, however if no one knows the source of the woman's income, she can pretend it comes from her own efforts, and raise her status that way.

However, money alone is not enough to create sexual desire in a paid girlfriend. Woman also has to feel the man would a suitable regular boyfriend/husband under other conditions. In my case, "other conditions" would include less age difference and permanent resident of Kyiv, versus guy twice her age who only sees her in the summer (not counting this year). In other respects, I am a viable mate for the girl I'm with: several inches taller, smarter, higher social status among men than her social status is among women, as good looking for a man as she is for a woman. Going after sugar babies who are way out of your league, other than age difference, not a good idea.

Once sexual desire is aroused in a woman, as a means to catch a man and thereby get the social status she really wants, it's necessary to keep the flame of desire from dying, and that means never give the woman too much security. Prepare yourself mentally and arrange your affairs so she knows she can and will be replaced if she cuts back on the sex.

If girlfriend/wife with whom you have a much deeper and more egalitarian relationship, then maybe giving security isn't a problem, though my impression is that most such normal relationships/marriages end up more or less sexless eventually. Then again, maybe it's mostly the unhappy couples who discuss their sex life, and happy ones we never hear from (similar to how raunchy discussions of sex are dominated by the least attractive women, as discussed previously).

I am wealthy enough that I make no attempt to keep costs down. If I were on a budget, here in Kyiv I could easily find a pretty single mother MILF in her 30's who would be happy with $50 to visit once per week for several hours or even overnight, versus $200 per twice weekly visit that I give this current girl. For a local guy living in small towns of Ukraine, $25 per weekly visit would be enough for such an MILF. However, it's incongruent to be such a cheapskate when it's obvious that my perma-travel lifestyle must cost around $1500/month, exclusive of sugar baby. Also, overpaying gives me substantial power over the girl. I want her to become addicted to the easy money I give her. Golden handcuffs, as the saying goes.

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