Retiring to Spain, single-stock drawdowns, credit card points, and Roth conversions for Americans overseas.

Baobab Bulletin  •  Issue #16  •  August 2026
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Baobab Wealth

A twice‑monthly roundup from Baobab Wealth & Baobab Wealth Abroad

The Baobab Bulletin

Hi there,

Retiring to sunny Spain can sound irresistible—but is it financially worth it for an American? The answer often hinges on decisions made well before you land. 

Our latest guide to living and retiring in Spain walks through the tax, visa, investment, retirement-account, and estate-planning decisions to consider before you move.

Elsewhere in the bulletin, we're comparing individual-stock drawdowns with the broader S&P 500, asking whether credit card points are worth the fees and effort, sharing a new Divorce the IRS episode on Roth conversions for Americans overseas, and much more!

If anything here raises a question about your own plan, click below, and let’s talk it through.

Have a question? Click HERE to schedule a screen share and we'll walk through it together.
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Featured Video
Are Credit Card Points Actually Worth It?

Are Credit Card Points Actually Worth It?

Credit card rewards can offer valuable travel perks and cash back, but annual fees, complicated redemption strategies, and overspending can quickly reduce their value. This video looks at the real benefits and hidden costs—and three rules for using rewards cards responsibly.
WATCH THE VIDEO

Featured Guide
Living & Retiring in Spain, 2026 Edition

Living & Retiring in Spain, 2026 Edition

Spain can be a wonderful place to retire—and a financially complex one for Americans. This free 30-page guide reveals the decisions to address before you land, including when Spanish tax residency begins, which visa may fit, the investment mistake that can be especially costly, and how your chosen region could change the tax picture.
GET THE FREE GUIDE

Instant download · 30 pages · No cost, no obligation

Podcasts

Divorce the IRS Podcast

Divorce the IRS Podcast


Welcome to Divorce the IRS, the Retirement Income Planning Podcast, built for people who want to pay the least amount of taxes possible and create retirement income that actually lasts. Inspired by Jimmy Miller’s bestselling book Divorce the IRS, this show takes you behind the scenes of the tax rules, retirement strategies, and planning decisions that can quietly determine how much of your money you keep.

Chart of the Week
Single Stocks vs. Diversified Indexes

Single Stocks vs. Diversified Indexes

The 52-week drawdown measures how far a stock has fallen from its highest price over the past year. Right now, many household-name companies sit significantly further below their 52-week highs than the S&P 500 itself. That gap reveals an important truth: even the most familiar brands can experience deep losses while a diversified index holds up better. Why? A diversified index doesn't depend on any single company's performance—strength in other holdings can help cushion the blow when individual names stumble, reducing exposure to concentrated risk.

What We're Thinking About

Six thoughtful reads on investing risk, Social Security, new savings accounts, technology, quality of life, and a more experimental approach to personal goals.
Should You Start Social Security Early, Before Potential Benefit Cuts?

Should You Start Social Security Early, Before Potential Benefit Cuts?

- Forbes
Chasing Life Goals Is a Recipe for Disaster - Try These Instead

Chasing Life Goals Is a Recipe for Disaster - Try These Instead

- The Guardian

Useful Resources

Can I Make a Deductible Contribution to My HSA?

Use this flowchart to see whether you can make a deductible HSA contribution for 2026 and how much you may be able to contribute. It walks through HDHP eligibility, other health coverage, prorated limits, the last-month rule, Medicare enrollment, and the age-55 catch-up contribution.
VIEW THE FLOWCHART

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