This doesn’t have to be all or nothing. You could “retire overseas” and still spend part or even lots of your time back home.
I make the point in case it hadn’t occurred to you already. The idea of moving to a new country, full stop, full time, can be intimidating. Selling your current home … off-loading your car, your furniture, your lawn-care equipment … flying off to a new country where you know no one and where everyone you meet speaks another language?
Boiled down like that, this retire-overseas agenda can seem foolish, even terrifying.