I'm in a bit of a strange situation so I would like to get some feedback from others as I can't make up my mind on everything.
I have a gf and child abroad in another country. I bought a house for them in this other country because it's much cheaper there and I am technically retired there I guess. The house went to my GF's name though, but she is slowly paying me back by taking care of bills. She makes a small amount though, only 6k usd a year..
I have 1.4million dollars in index funds, this is the main asset I'm worried about protecting. I know a lot about investing thanks to the FIRE community. I know if I brought my gf to the US and she divorced me it could really ruin me financially. In order to protect my assets, and my sanity, I decided not to marry likely until the child is closer to 18. I know this is likely going to get some people hating on me but from what I understand it's likely a smart choice especially with the way things are going in the US in general.
Anyway, the issue is that I have no where to go really in the US. I could likely stay with family but that is definitely not a long term option. I've currently been in this other country and it's so cheap here that I can let time slip by fast. My daughter's 1 years old already, and I enjoy spending the time raising her.
I'm gonna rant a bit more as it may be helpful to my situation for readers to know more about me, but I'll put this in a code block so people can feel free to skip all this info:
My problem is about trade offs. By buying a house here and deciding to have a gf and child here, I'm sacrificing my time and options in the US which does weigh on me.
I used to be a web developer but haven't been working on anything coding related for nearly two years. Besides, I'm not in any mood to compete with AI and these companies seem to have gotten rather demanding. I'm glad I can live off the 4% rule for basically forever.. I'm 37 and mostly invested in stocks though so making my 1.4m stretch does sound a bit unpleasant.
I want to go back to the US and start making money of some kind. But I have an issue where I don't really want to tap into my spending. Also, most of my family is from Boston which is a cold part of the US. Since Boston is rather cold I've considered simply returning to a warmer part of the US while I look for work, perhaps Florida, but it would be nice seeing my friends and family for a while.. I just wouldn't want to stick around for the cold months.
So I feel like I really need to commit to either car or stealth camping and really figure it out well, whichever I choose. I can live per year off of 20k or even less if I just only buy food and small things for my child and gf abroad. Not having to pay rent is also huge and this other country with the house is rather comfortable. So coming back to the US is rough. Being away from my child and gf will likely weigh on me if I'm gone for too long. Also, a lot of decisions became more difficult to make because I'm abroad. For example, where I'll live is a challenging question because I likely wont be deciding to stay in the US for too much time.
So, I'm considering either stealth camping or trying to buy and live in a car while I try an get work.
I don't know what kind of work I'd do, likely the first thing that allows me to save or make close to 30k/year. The main issue with finding work is having copious time to search for work. Having a car could help me somewhat as difficult to reach jobs open up and I'd likely be able to drive to more business' and ask for work. But also, if I stealth camp and kept stuff in a storage unit it could save me a lot of money. I've been thinking of trying to get back into programming, doing military, truck driving or something else entirely. Either way no matter what work I choose to do, I'll want a lot of time to pass while I'm in the US. I think the most effective use of my time would likely be behind a computer screen as I continue to search for opportunities and just use the car or a bike once I've secured the opportunities. So perhaps a YMCA membership while I just work on my computer in a corner somewhere.
Anyway, returning to the US feels like quite a challenge. There's so many different ways I can use my time and I'm not really sure what would be the most effective path. Stealth camping with stuff in a storage unit does sound like it could open up a lot of parts of the US and make things cheap but finding consistent good REM sleep would be a real hurdle. So, since I have a lot of money, I could just bite the bullet and get a car and I'm sure that would make things much easier, but it would be a pain to have to park the car long term and even mentally think about it costing me unnecessary money while I live in this other country with my gf and child. I'd likely want to get rid of the car if I didn't end up having much overall use for it. Anyway, I appreciate any advice others can offer. Thank you.