Digital Nomad Life in Panama

"At first I shunned the gringo/expat organized weekly meeting, the Tuesday Morning Informational and Networking Meeting. All the people were of retired age, I'm not. Then I started going, I found I had things to say and others had things to teach. they soon published a small book of the meetings minutes with recaps of many speakers. I learned many valuable things and shared opinions and even changed some opinions. We bonded, we drank local coffee, we bitched and moaned and rejoyced together. seek out such groups and see what you can learn or contribute to them," said one person in Boquete.

"Expats in Panama often join niche interest groups, such as local book clubs and photography clubs. Many Internet-based expat forums and websites also offer chances for locals to meet and find activities together, such as hiking and sailing. There are also several expat-run organizations in Panama, such as the American Society of Panama. Expats also often meet each other through networking events, such as get-togethers at bars and restaurants, industry awards dinners and holiday parties, as well as volunteer opportunities with local charities and social organizations," said one expat who made the move to Panama.

"Besides the bars and restaurants, there are fitness classes, Spanish classes, dive lessons, Catamaran tours, Live music venues, the beaches, volunteer opportunities and just meeting people walking down the street," explained one foreigner living in Bocas del Toro, Panama.

"The Tuesday Market at the BCP (Boquete Community Players) is a good place to see and be seen. Very easy to meet others if you are at all outgoing. There is also a newcomers group that meets a couple of times a month. There is always something happening, somewhere to go, something to do. There are many non-profits looking for volunteers, so just find one that speaks to you," said one in Boquete.

"Definitely life revolves around family and work here. The Panamanians are very friendly and family oriented. They have many festivals and celebrate life in many ways many times a year," said one person in Bocas del Toro.

"Most good rentals are found through people you know. Ours was never advertised, only word of mouth. Good rentals are difficult to find," remarked one foreigner who made the move to Boquete.

"It's important to come down here to Panama on multiple due dilligence trips, to spend enough time down here in different areas, and different times of the year, to make sure you are going to enjoy the Country. Research online is important, and will help narrow down areas for you. However, no substitute for on the ground discovery. Work up your budget prior, based on your research, and determine what you can afford in retirement. This will help you determine areas/communities you can afford. Establish a good mail forwarding company, so you can receive Amazon, and your regular mail. Talk to insurance agents in advance to review insurance options. If you are looking to go Pensiado route, you can start this when you come down, if you are firm on Panama already. Prepare yourself for some family and friends thinking you are crazy, or making a big mistake. It's natural, and a lot of "sheeple" don't get it, thinking their legacy brand Country is better, and why would you move to a 3rd World Country! Crazy people still think Panama in this light, and then I explain we have more secure banking, Starlink down here, fiber optic internet in many of the newer areas, expanding rail system in the city, that is being built out towards the beach area. Start working on your Spanish/brushing up on it. Yes, many people speak English, however it is important to work on becoming part of the culture down here. You will be respected more by locals, by trying to speak their native language. Don't just move to where all the Expats are. I guess you can, but you are missing out on the experience of living in a new Country and spending time around locals," explained one expat living in Panama City, Panama.

"When I first developed an interest in moving to Panama the possibility of owning beachfront property was the big attraction. After spending a few years looking around I decided that I would rather not live in a beach community, although I love to be near the ocean and, in fact, have spent much of my life at sea. One of the best things about Panama is that you are never far from the sea. In my opinion the Coronado area is overdeveloped and excessively expensive. The area around Pedasi is much cheaper and less crowded. It appeals to surfers for obvious reasons. There are many islands on the Pacific coast, and they are fun to visit, although it would be quite inconvenient to live there. There are also hundreds of miles of unspoiled mainland coastline that are nearly inaccessible by land. You probably want to be somewhere that has a road to it, which further limits your options. Look at a good map and you will see what is accessible. If you don't see a road it's because there isn't one. There probably won't be any utilities either. I found that there are some significant drawbacks to living close to the beach and few native Panamanians choose to do so unless they are in the fishing business. You should look for yourself, though, and after visiting Coronado and Pedasi you might look at Las Lajas, Boca Chica, Puerto Armuelles, and the Boca del Toros archipiélago on the Caribbean coast. They're all beautiful in their own way but don't forget to look at the negative aspects including weather, services, access, and increased maintenance requirements. If you find a place you love you should rent for at least a year before you consider buying anything," said one person in Panama.

"Be prepared to change your life. Leave behind all your pre concieved notions of how it should be, what you need, want, and must have to get by. EVERYTHING is different, embrace it, learn from it, apply what you can to your life but don't come here with demands, strict ideals, uptight lifestyle, and the idea that you are going to save a third world culture from itself. I find the opposite is what happens, it saves you from yourself and what ever madness you left behind," explained one foreigner living in Boquete, Panama.

"The food. The appreciation for and enjoyment of everyday life and family. They are not as driven by the dollar as people in the USA. Their many celebrations and traditions and their enjoyment of them," said one person in Nueva Gorgona.

"I appreciate the excellent and affordable health care -- that doctors think of themselves as regular human beings. I appreciate that family comes first. I very much appreciate the lack of consciousness for politically correct speech. I appreciate that calling me a gringa is not derogatory but descriptive and even endearing and that because people do not take offense with such nicknames, there is very little if any racial tension. I appreciate that if I am late for an appointment due to traffic, for example, I don't have to stress because no one expects anyone to be on time. I appreciate that privacy from the government is still valued. That people still dress up a little when they leave the house to run an errand, that traditional music, dance and dress are kept alive and taught in the schools," said one expat who made the move to Santiago.

"I appreciate the dedication to family - it's refreshing to see entire extended families spending time together and enjoying life," explained one expat in Boquete.

"Culture....hhmmmm. Disinterested sales personnel who seem to resent being at their post. Bright colors are welcome and plentyful. Another challenge is the general physical size of the locals...as it relates to finding clothing that fits. If you are female and larger than a size 8, good luck finding undergarments. For my husband and his size 12 narrow foot, murder finding shoes," remarked one member in Altos del Maria.

"Learning that now actually means later, that pinning down someone to a specific time is almost impossible. That this is a nation of many first generation drivers, that there is very little "do it yourself ability here". Maintenance is not something that most people see the point in doing. Fast service with a smile almost doesn't exist. Most stores have no idea what they have in inventory and the process of giving them money for goods is cumbersome and painful. Although labor costs are low, mandatory benefits are extensive, for example one month of paid vacation annually, an extra month of pay every year, 14 legal holidays, 25% contribution to social security with no cap. There is an absolute inability to give directions. Most people are patient to a fault," explained one expat living in Santiago, Panama.

"If you plan to stay in Panama for an extended period of time, you will need to obtain a residency visa, also known as a visa de residencia. You must first fulfill certain requirements such as having proof of sufficient economic resources, a police record, and a current passport. You can apply for the visa in your home country before travelling to Panama, or at any Panamanian consulate abroad. Alternatively, you can apply for the visa upon entering Panama at any Immigration offices, through the National Migration Network or at the Immigration office at Tocumen International Airport," explained one person living in Panama.

"Well, actually I never got around to any of that stuff. I'm a complete illegal alien. Nobody seems to care, so I don't either. The problem I see is that the attorneys you'd need help from are going to pay attention to your money. I talked to a local attorney who helps with immigration but he wanted a lot of money, so I just kind of ignored him and plopped myself down here. I don't generally recommend this method; but it works for me. I'm not the type of worry about the fine print," said one expat in Las Tablas.

"In Panama, it is important to be respectful in all interactions. Pronouncing Spanish words incorrectly or using slang can be considered offensive or inappropriate. It is also important to be aware of local dress codes, as wearing revealing clothing in religious or traditionally conservative settings can be seen as inappropriate. Additionally, it is important to respect Panama’s indigenous cultures and be sensitive to any cultural differences that may exist. Showing deference and respect to authority figures is also key. Finally, do not be disrespectful to Panamanian flags, emblem, and customs, as this can be considered a serious offense," remarked one foreigner who made the move to Panama.

"Not officially asking my girlfriend out was one. Apparently you have to do it formally one night. Went 6 weeks with a girl, didn't ask her out formally (because you would assume that's it) but you have to ask here to officially make you exclusive boyfriend and girlfriend! who knew..," explained one person living in Panama City, Panama.

"Panamanians are very tranquilo people and willing to help. If you are politely sincere, they will overlook any faux pas. However, don't mistake kindness for weakness. Panamanians are also tough. If you approach them as a superior jerk, you will get the jerk treatment. One of the things I love most about Panamanians is their insightful sense of humor. It is quite sophisticated. My Spanish is not good, but our joint sense of humor supersedes all language barriers. Just be good and relaxed," said one expat in Panama.

"Giving our housekeeper and gardener a raise caused quite a stir amongst the neighbors. Inviting the "help" into the house and sharing the mid day meal was also considered a no-no. Having never had any sort of hired help, I didn't know the general practice of either not feeding or giving a sandwich to them to be eaten outdoors or in the garage. For the record, I still have lunch with them, cook some of their favorite American dishes and really enjoy their company. They help me with my "Spanglish" and I help them with their English," remarked one member in Altos del Maria.

"Care will not be as good unless you live in the city. Insurance will not cover pre existing," explained one person living in Bocas del Toro, Panama.

"Not great. I read a post in response to this question where someone said we have a hospital. Not true. We have a building that is supposed to be a new clinic but it is not open and there is no telling when it will open. If you want any kind of serious health care you have to go to Coronado or Panama City," wrote one digital nomad living in El Valle de Anton, Panama.

"Being from the U.S. it's hard to say medical care is better, but the difference is it's 1/10th the cost to get the same type of medical care. Don't be afraid that you're going to get 3rd world medical care in a foreign country. Also, just as in the U.S., don't be afraid to ask questions or to give your opinion of what you think needs to be your course of treatment," said one foreigner in La Chorrera.

"It is not like others want you to believe. It is not up to US standards. The one private hospital wants you to believe they are part of the Johns Hopkins network and they are not. Clinics are often store fronts, crowded and dirty. Equipment is old. ," remarked one member in Coronado.

"People like the beauty of nature, the quiet, relaxed atmosphere, the small town feel, the relatively close proximity to Panama City (2-3 hours drive) and the weather (not as hot or humid as Coronado). Dislikes include the frequent power outages, lack of health care facilities, overpopulation of dogs that bark all night, and lack of stores (if want want to buy anything beyond basic necessities you have to drive the curvy, pot-holed mountain road to Coronado (35-45 minutes drive). I hope this is helpful," said one foreigner in El Valle de Anton.

"Expats and digital nomads in Panama enjoy the country's low cost of living, its tropical climate, and its friendly people. They also appreciate the country's excellent infrastructure, which makes it easy to get around and stay connected. On the downside, expats and digital nomads may find the language barrier challenging, as Spanish is the official language. Additionally, Panama's healthcare system is not as advanced as some other countries, so expats may need to seek medical care abroad," remarked one member in Panama.

"I love he town I live in. It's small but in close proximity to neighboring towns with many dining and shopping options. We are very happy with where we live. There is a good doctor in our neighboring town that speaks English and has specialists come into his office for easy access to people in our area. For more specialized medical procedures, Panama City has many private hospitals with excellent reputations and specialists in every field. We are about an hour from Panama City so access is not very difficult. I do have minor concerns about what would happen if I had a major medical emergency (heart attack, stroke) but I don't worry about it. Our philosophy is to deal with things as they arise. Maybe not the best approach, but our approach," explained one expat living in Nueva Gorgona, Panama.

"Traffic is bumper to bumper during rush hours, stop signs are useless since they don't stop and just slow down.....if you're lucky! If you drive on the highway from Panama City to Costa del Este, you feel like you are going thru a gigantic dumpster with so many garbage on the beaches. (refrigerators, tires, furnitures, etc, etc). Rivers connected to the Pacific ocean in Panana City on Balboa Street and in Coste del Este smell terrible (pee) and you can see garbage floating from these rivers to the Pacific ocean in low tide then back on the beaches (if you can call beaches) on high tide. I asked many questions about this situation as if it was a complete lack of education or lack of interest from the Panamians. Panama is carbon negative for the air so air is pure but the garbage and smell when you cross these rivers are terrible. Walking on the boardwalk of Balboa street crossing a river, you need to pinch or cover your nose, same by crossing a river in Costa del Este and any rivers," said one digital nomad in Panama City.