Retirement and tax planning become far more complicated when life crosses borders—whether you’re moving abroad or returning home. In this episode, Jimmy Miller addresses the hidden financial and tax traps that affect people living, working, or retiring across countries.

Jimmy explains how common decisions—often made years earlier—can create unexpected consequences for Americans living abroad and for non-Americans who have spent part of their working lives in the United States. With clarity and real-world examples, he breaks down why these issues tend to surface at retirement, when flexibility matters most.

In this conversation, we explore:

• How tax “time bombs” affect expats in both directions

• What Americans abroad need to understand about retirement income and taxes

• Why non-Americans working in the U.S. can face surprises when they return home

• How retirement accounts can trigger penalties or higher taxes later

• Why midlife women are especially vulnerable to hidden financial risks

This episode is about foresight, clarity, and understanding the long-term impact of today’s financial decisions—no matter where life takes you.

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Jimmy Miller is a fiduciary financial advisor, author, speaker, and lifelong traveler who brings a truly global perspective to financial planning. Having lived internationally for much of his life, Jimmy understands firsthand the complexities that come with managing money across borders.

Born in Zambia and raised around the world, Jimmy’s global upbringing shaped his interest in how financial systems differ — and how easily long-term risks can go unnoticed when life spans multiple countries. That perspective has guided a 20-plus-year career in financial services, beginning in traditional advisory roles and evolving into an independent firm built specifically to serve internationally mobile lives.

Jimmy is the author of Divorce the IRS, now in its second edition, a best-selling book that explores what he calls “tax time bombs” — hidden tax issues that can quietly build over time and impact retirement income and financial flexibility, also for Americans living or retiring abroad.

Through Baobab Wealth Abroad, Jimmy focuses on educating expats and globally mobile families about cross-border financial and tax considerations during both their working years and retirement. His work emphasizes clarity, long-term thinking, and understanding how today’s decisions can create consequences years — or countries — later.

Known for translating complex topics into practical, accessible ideas, Jimmy brings a grounded, relatable voice that resonates with expats who want their financial decisions to support an international life, not complicate it.