My Best Money Life

My Best Money Life Helping expats and individuals in France & the U.S. master their budgets, save money, and thrive.

Expert tips on personal finance, budgeting, and expat life in France. I also help Americans and other expats with their move to France.

Thinking about moving to France as an American but unsure what to do with your US investments?A lot of Americans make th...
04/06/2026

Thinking about moving to France as an American but unsure what to do with your US investments?

A lot of Americans make the wrong move, and it can cost them thousands.

In my new article, I explain why keeping your investments in the U.S. is often the smartest, simplest, and most tax‑efficient choice for expats.

👉 You can read the full article here:
https://www.mybestmoneylife.com/moving-to-france-as-an-american-why-you-should-keep-your-investments-in-the-us

Are you a U.S. citizen moving to France? Learn why keeping your investments in the U.S. is smarter than transferring them to Europe. Avoid PFIC tax pitfalls, maintain U.S. brokerage accounts, and take advantage of the U.S.–France tax treaty

The 2026 Summer Sales in France run from June 24 to July 21 : this is one of the best times of the year to save big on c...
03/06/2026

The 2026 Summer Sales in France run from June 24 to July 21 : this is one of the best times of the year to save big on clothes, shoes, electronics, furniture, and more.

Discounts get deeper each week, so it’s the perfect moment to plan your purchases.

I break down the dates, discount waves, and money‑saving tips here 👇

https://www.mybestmoneylife.com/france-summer-sales-2026-dates-discounts-and-how-to-maximize-your-savings

Please let me know in the comments if you have anything you are planning to purchase.

The 2026 French summer sales run from June 24 to July 21. Learn how the discount waves work, what to buy, and how to stack savings with cashback sites like iGraal, Poulpeo, and TopCashback.

🌟 TopCashback France Deal Alert: 15% Cashback on Hotels.com!Planning a getaway? Right now TopCashback France is offering...
03/06/2026

🌟 TopCashback France Deal Alert: 15% Cashback on Hotels.com!

Planning a getaway? Right now TopCashback France is offering 15% cashback on Hotels.com : an easy way to save big on your next trip.

If you’re new to TopCashback, you can sign up with my referral link here:

👉 https://www.topcashback.fr/ref/timo007

💡 Pro tip: When booking with Hotels.com, use the French website, the loyalty program still gives you the 11th night free, which stacks perfectly with cashback versus the 2% loyalty points in the United States.

Have questions about cashback or how to maximize your savings? Drop them in the comments or reach out anytime!

Find cheap hotels and discounts when you book on Hotels.com. Compare hotel deals, offers and read unbiased reviews on hotels.

I had a person reach out to me this morning who paid 600 euros each for a hand holding service to help them apply for th...
02/06/2026

I had a person reach out to me this morning who paid 600 euros each for a hand holding service to help them apply for the VLS-TS Long-Stay Visitor Visa only to find out how simple is was after they read my free guide. The money was lost, but this is exactly why I published my guide for free...

The VLS-TS Long-Stay Visitor Visa does not require a lawyer or administrative service to complete. The process is straightforward and if you meet the requirements, your visa is likely to be approved.

I have posted below the full visa instructions from my guide for the benefit of the community.

If you have any questions on the VLS-TS Long-Stay Visitor Visa process, please feel free to put in the comments.

If group members completed this process on their own, please share in the comments to reassure others that the process doesn't require an immigration lawyer or relocation service.

Long-Stay Visitor Visa (No right to work) Guide:

France issues Long-Stay Visitor Visa's to American citizens (requirements are similar for most nationalities), that meet certain requirements. The process is relatively straightforward and doesn't require a lawyer or consultant. I know folks that spends hundreds of dollars for assistance in applying for their visa only to realize that they could have done it themselves.

The details below are for a long-stay visitor visa which doesn't provide the right to work in France.

The requirements for this visa include:

USA Passport that is valid for at least 15 months after your visa start date (I recommend applying with a passport that is valid for a minimum of 2 years) + copy

Birth Certificate (while not on the formal list, I would recommend having a recent official / certified copy of your birth certificate)

Marriage Certificate (If applying as a couple, while not on the formal list, I would recommend having a recent official / certified copy of your marriage certificate).

2 x ID photographs 35mm × 45mm

Agree not to under-take any professional activities in France and provide a letter on your plans in France or a pension certificate if retired.

Proof you can support yourself in France with savings or a pension equivalent to the French minimum wage of 1,867 euros per person. This can be proven with a pension statement and/or 3 months of bank & investment statements. There is some evidence that the net minimum wage of 1,478 euros might be sufficient, yet I would feel much safer with using the Brut minimum wage of at least 1,867 euros a month in my application. Only include official bank & investment statements; the PDF you download and print (no screenshots).

Proof of accommodation in France. Most individuals use a 3 month long Airbnb reservation if they do not already own property in France.

Have at least 30,000 euros of compliant travel health and repatriation insurance for the duration of your stay (usually 12 months) (see Health Insurance section below for additional details on my recommended providers: Feather and Mondassur). Please note that USA health insurance plans, Tricare, and medicare would not meet this requirement.

The price for the visa is 99 euros

The documents can all be in English and do not require any translation.

Here is the formal text of requirements from the French Visas Webpage for Americans:

The supporting documents to be provided are as follows:

Pre-requisites

A travel document, issued less than 10 years ago, containing at least two blank pages, with a period of validity at least 3 months longer than the date on which you intend to leave the Schengen Area or, in the case of a long stay, at least three months longer than the expiry date of the visa requested. Be sure to transmit (scan) the identity page of your travel document as well as ALL PAGES containing visas, entry and exit stamps or any other inscription.

2 x ID photographs 35mm × 45mm

If you are not a US citizen, please provide proof of your legal status (green card, visa and I94 or endorsed I20 for F1 visa holders or endorsed DS2019 for J1 visa holders. The "travel endorsment" signature is valid for one year and must not expire before the date of return to the USA).

If you have an official travel document, a note verbale is required.

Purpose of travel/stay

Letter from the employer or proof of business ownership / business license (if self employed). If retired, pension certificate. If student, certificate of enrollment.

Promise not to exercise any professional activity in France, if applicable accompanied by a letter explaining your project.

Funds

Proof of enough resources to cover all expenses during trip (pension certificate or last 3 bank statements).

Accommodation

Proof of accommodation in France: property title deed, tenancy agreement or any other supporting document. Or proof that accommodation will be provided by a person residing in France, or if not, a document explaining the accommodation arrangements planned for France.

Visa Compliant Health insurance

Visa Compliant health insurance certificate issued by the insurance company (covering any possible costs for medical repatriation, and emergency and/or hospital treatment, for a minimum amount of €30,000, valid in France for the whole stay. A copy of your American health insurance card is not an acceptable proof of adequate coverage). I recommend Feather and Mondassur which I describe in detail in the healthcare section below.

I recommend bringing your original documents and copies to the appointment. You will provide the copies in the appointment and these will not be returned to you. I always tend to bring more documentation than what is required, just in case, but that is just based on my experience having applied for visas for over a dozen countries around the world.

I recommend including a short simple letter providing a background of your plans in France. In this letter, you can explain your resources (investment income, pension income, savings, etc.) and the reason you desire to move to France. In the letter, be sure to put that you commit to NOT working or seeking employment in France. This is key as the VLS-TS visa does not allow you to obtain employment in France.

The process for this visa is straightforward and you can find the details of the process here : https://visas-fr.tlscontact.com/en-us/country/us/vac/usHOU2fr/application-process

You will be applying for your visa through the TLS Contact service which is the company France uses to process their visa applications in the United States.

Here is a list of TLScontact Visa Centers in the United States for obtaining a French visa:

Atlanta, Georgia

Boston, Massachusetts

Chicago, Illinois

Houston, Texas

Los Angeles, California

Miami, Florida

New York, New York

San Francisco, California

Seattle, Washington

Washington, D.C.

The latest data I have been hearing is that most visa are approved within 1-2 weeks of applying.

Once you visa is approved and you arrive in France, you will need to validate your VLS-TS within 3 months. The instructions to complete this task are listed in the link below:

Long-stay visa equivalent to a residence permit (VLS-TS) : https://france-visas.gouv.fr/en/your-arrival-in-france

This visa should never require a lawyer or consultant to help complete in my opinion, but that doesn't stop immigration lawyers from charging hundreds or even thousands of dollars to help Americans with this process even though is it very straightforward and absolutely doesn't require a lawyer.

Application procedure | TLScontact Houston

01/06/2026

✈️ Flying Blue Promo Rewards for June Are LIVE : USA ⇄ Europe From 18,750 Miles!

Air France–KLM just published their June Promo Awards, valid for travel now through November 30, 2026 and there are some good deals for flights between Europe and the USA.

You can check all routes directly here: flyingblue.com/en/earn-spend/flights/rewards

🔥 USA Promo Routes Include (‑25% Off Economy Awards):

Europe → New York — from 18,750 miles

Europe → Houston — from 18,750 miles

Europe → Seattle — from 18,750 miles

Europe → Atlanta — from 18,750 miles

Europe → Boston — from 18,750 miles

Europe → Minneapolis — from 18,750 miles

Let me know if you are planning to take advantage of any of these offers in the comments...

I recently wrote an article on retiring / early retirement in France.  🇫🇷 Low‑cost healthcare  🇺🇸 USA - France tax treat...
30/05/2026

I recently wrote an article on retiring / early retirement in France.

🇫🇷 Low‑cost healthcare
🇺🇸 USA - France tax treaty benefits
🏡 Affordable housing outside of Paris
🍷 A lifestyle that naturally costs less

I detail out the real advantages of a French retirement for Americans here:

https://www.mybestmoneylife.com/france-as-a-great-option-to-retire-fire-financially-independent-retire-early

Folks around the world often dream of moving to Europe. In this article, I will highlight the option of France as a place for early retirement or retirement in general.

While a lot of Americans keep their USA credit cards in France, those that don't ask me how they can earn points and mil...
29/05/2026

While a lot of Americans keep their USA credit cards in France, those that don't ask me how they can earn points and miles in France like they did in the United States.

In France; Visa and Mastercard have much lower fees for merchants than in the United States which is why French visa and mastercard credit cards do not earn miles or points in France.

American Express offers point earning cards with 0.4% cashback or 1 mile per € on Air France / KLM in France. While not as good as American credit cards, it is better than 0% which other cards in France earn.

Unfortunately American Express isn't as widely accepted as Visa and Mastercard, I have still found it useful.

If you are interested in an American Express France card, you can find my referral link here:

https://americanexpress.com/fr-fr/referral/green?ref=tIMOtDqukY&XLINK=MYCP

The link is for the Green Card, but if you click on Voir Toutes les Cartes you will see all the American Express cards on offer.

The Green card has a 10,000 bonus point offer (40€) after spending 500€ and no annual fee for the first year.

The Blue Card has no annual fee.

The Air France - KLM Gold Card has 25,000 bonus miles after spending 2000€ and no annual fee for the first year.

I wrote a longer article on American Express cards here: https://www.mybestmoneylife.com/american-express-green-card-france-one-of-the-only-cards-to-earn-cashback-and-points-in-france-first-year-free-10000-points-40euro-after-500euro-spend

If you have any questions on American Express Cards in France feel free to reach out via DM.

I personally have the green card as I signed-up for the 10,000 point bonus, but will likely move to a no annual fee card after the first year.

En tant qu'ami d'un client American Express, bénéficiez de la meilleure offre de bienvenue. En savoir plus...

The France vs United States salary debate is never as simple as the paycheck.After moving from the U.S. to France, I lea...
28/05/2026

The France vs United States salary debate is never as simple as the paycheck.

After moving from the U.S. to France, I learned the real difference is in the benefits, protections, and quality of life that don’t show up on a payslip.

If you’ve ever wondered whether a lower French salary can still mean a better financial life, this breakdown will surprise you.

Read the full comparison 👇

https://www.mybestmoneylife.com/france-vs-united-states-salaries-and-benefits-a-true-comparison-based-on-my-personal-experience

I took a 40% pay cut moving from Texas to France in 2007 but gained more vacation, lower living costs, strong employer benefits, and greater life satisfaction. Learn what to weigh when evaluating a French job offer.

27/05/2026

🇫🇷 iGraal France Cashback has their Biggest Sign‑Up Bonus in History!


Through May 30th, iGraal is offering an exceptional 20€ bonus after spending just 20€ in the first 90 days via my referral link to celebrate their 20th anniversary.

👉 You can sign-up via my referral link here:
https://fr.igraal.com/parrainage?parrain=AG_68812298153b2&utm_medium=raf&utm_source=refer_friend

iGraal is my favorite cashback site in France. Today, for example, they’re offering 80% cashback on NordVPN and they offer 10% cashback on Hotels.com at least once a month

Don’t miss this chance to earn an easy 20€ and stack cashback all year long.

If you have questions about cashback in France, feel free to DM me

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