Visas, Taxes & Healthcare in France: A Paris Immigration Attorney Explains

Welcome back to Passport to Wealth. My name is Arielle Tucker.

France is one of the most sought after destinations for Americans considering moving abroad.

And also one of the most understood in terms of how to get there legally.

Daniel Tostado grew up in San Diego, moved to France in 2010, became a naturalized French citizen,

passed the bar on both sides of the Atlantic, but you also run a whole team of an immigration law firm

helping people navigate exactly that process.

He also spends his spare time running a winter homeless shelter for refugees in Paris,

which I think really tells you who Daniel is.

So Daniel, thank you so much for joining us today.

Thank you, Arielle. I appreciate it.

Okay, so I'm really curious.

What brought you to France back in 2010?

I have always had an interest in the other side of the coin and seeing where,

like, what else is out there besides, you know, my hometown of San Diego.

And so it was a curiosity that kind of drove me to move abroad when I graduated college to kind of go test the waters,

try out France, try Italy, try out some parts of Africa.

And I kept on feeling myself gravitating back towards Paris.

So at a certain point, I said, okay, let's have me go to law school and in law schools have me finished out at a French law school.

So that, and it was in looking into this, I figured out there's a whole way possible towards if you get a French master's,

you can stick around afterwards for a year and find a job or make your own company.

And with that, then you're off to the races, you're able to enter the French labor force and actually become a French citizen.

And so it was kind of been pursuing my own route for it that I felt a real passion for the topic of French migration.

And it's hard to navigate.

I think it's hard to be good at French immigration.

And so it was in the course of it that I said, I think I've got a real niche here.

I've become an insider in France.

Let's help me be an insider to all the outsiders who are in my shoes, but a few steps back that also want to have France be a major part of their life.

And so every kind of next step evolved kind of an illogical manner for me to say, OK, yes, let's help me do this full force French immigration law firm helping people of every nationality.

Americans are a majority, but not exclusively, of course, helping them get their find their place here in France.

Wow, that's wonderful.

And I want to stop quickly.

So you came over on a student visa and the student visa gives you one year after you graduate.

Is it just certain programs?

Like if you have a master's or if you have a bachelor's, can you also get that one year?

Yeah, it's for people that completed a French master's degree.

And so almost all the schools here in France to give French degrees, except for like the American University, American grad school, Parsons School of Design.

There's a handful of schools that are quite American in their approach here, but the vast majority will give a French qualifying degree.

And the French calling to find degree is a trigger to the French to say, I think we want the good immigrants.

And so if a person has done a French master's and they have become French, fight in a certain manner, they get how our country works.

They're going to be contributing to our economy, helping grow jobs and what have you, which has been the case.

I've, you know, my law firm has made 20 jobs.

So I hope I'm, I hope to think that France is happy to have had me.

Yeah.

But that it's with that kind of profile that you're then able to have that postgraduate one year buffer status to then more fluidly enter the workforce.

And our companies, are you kind of at an even playing ground against yourself as a recently graduated student and other locals with the same if they recently graduated or does the company have to do anything special to sponsor?

Your visa because you're a non EU person at that point.

That's a really good question.

If you were sitting on your couch in California saying, I think I'd like to get hired now from France.

The question, the first question is, does Mike employer, does this French employer have to sponsor me?

Like, how does that actually work?

The general answer is that, yes, if they have to put out a job announcement for three weeks, then they have to put a request to the French labor authority to say out of all the 500 million people in the EU, it only had to be this person that could fulfill this job to our needs.

And that they get their approval and then to file for the work visa.

If you did a French master's in France, it's a lot.

It's one more facilitated and skips that first step of posting a job and after three weeks.

And it should be a no brainer.

And the second step to say, okay, here's a person that's qualified with a French master's degree that's relevant.

There's a couple extra steps and conditions that I'm kind of skipping over, but that it generally does work out that if you are here in France, you've got a master's.

You've got a major leg up on finding a job in France.

It's really hard to get hired by an employee in France, which is in part one of the reasons.

Why it's not usually my major pitch to people if they're sitting in their own country.

I usually pitch more entrepreneurship or one of the other visa categories where there's a higher chance of success.

But if you're looking to get hired by a French employer, the French want to fall in love with you.

Right.

They want to have seniors.

They're interned.

They want to know who you are have met you at the conferences in person.

You know, the seminars in the evening, they want to understand who you are.

A cold email or a cold call is a hard sell in any country.

And I think in France, particularly hard because I feel like the French don't always trust the stranger, like Americans may or may not.

So a couple of cultural things along with the immigration things that will coach my advice for clients.

Yeah, I think that's a I always like to set the stage, right?

For what are your chances to move into France as a non EU person?

And I think it's really important that US citizens understand if you only have US citizenship, you basically, like you were just saying, right?

Country like France has to prove that they couldn't find anyone in the country of France.

And then anywhere in the EU to fill that job and then they get to go to you.

And that is like a hard bar.

You have to be highly specialized in your field to kind of be able to meet those requirements.

So can we talk a little bit about some of the other visas that are popular in France that you maybe are working in helping Americans move into France with?

Absolutely.

Yeah.

So I generally generally say there's four major ways of moving to France.

It is moving on the visitor visa on the student route, family based.

So, you know, spouse of a French or new national and then work, work as an entrepreneur or work as an employee.

Concurrently, the three major ways that I see people action to France is a visitor visa of students and entrepreneurs.

The visitor visa is slightly.

So a slight majority of our case files end up being visitor visas and effectively it's promising to not take a French job.

So not taking having a French employer or having clients that are based in France and that you're not going to be a burden on French society.

You have your own housing lined up health, coverage and finances.

France is not at all looking to say no to a person applying for that category.

So it's one of the best ways to get a person over here to France, to have the wine and the cheese and the French lifestyle.

If they're financially stable and not needing to take a French job in order to make their life an act a reality here.

Can I ask you a few more questions on that on that visitor?

How long is that visa good for?

And is it renewable?

For one year, renewable and definitely we do have clients that stand that for a very long time.

But what's even better news is that after five years of being here, you can get the 10 year card.

So five years in the visitor visa means you at the five year market, you can start to ask for the 10 year card.

And the 10 year card is great because it's valid for 10 years.

It gets the administration off your back for 10 years and it includes work authorization.

So if a person wanted to at that point of a French incorporation, they could and they would have full right to.

And when they're there on the long stay or like the visitor visa, whether that's the one year or the or the 10 year,

are they able to work for a US employer?

Are they in the French tax system or are they out of the French tax system at that point?

What you just asked is the thorniest question of French immigration law.

And it's kind of in the major and it's all good.

It's kind of become the central focus of this law firm is is nailing down the correct answer to that question.

So the French consulate and the prefecture and the Ministry of Interior have all confirmed in emails in writing.

Yes, you can tell the work for non French company on the visitor visa.

The French tax office has confirmed an email.

No, you can't.

So you have a bit of a left hand.

Doesn't know what right hand is doing within the French administration.

In December, I met with a deputy in the Assemblé Nationale to get them to push the government to clarify this legal gray area.

So that once and for all, we have a good sense of whether or not you can or you cannot.

We've looked into the case law to see has anybody ever gotten in trouble for this?

And the answer is no.

And once somebody does, I'm sure to get signaled on all the Facebook,

expat groups and what have you and then we'll have to tailor our advice to that factor.

But the long and short of it is that I aligned my law firm's decision without the consulate that it is authorized.

Yeah. So I think that's it.

That's a great point, right?

You kind of there's all these gray areas within the bureaucracy that is Europe.

And I see this not just in France, but in other countries where there's not clear

positions on things.

So again, I would say this is why I always tell individuals to seek qualified local

support to understand all the nuances and this could change overnight, right?

Like there could be a case that goes up and you need people who are very like

on the pulse of what's actually happening to ensure that you know, how is that going

to impact your whole financial plan?

Because if you're in the French tax system or out of it, that is going to have like

huge implications.

I'm also really curious.

You mentioned not being a burden to the French society.

Does that mean that you're not in the French health care system?

Are you always paying for private health care at that point?

No.

And I didn't even get to one of the last parts of your last question about tax requirements,

fiscal residency.

I think the three big hitters for any person moving to France is to say, what is the

right visa for me?

How does a tax situation work and how does health care work?

And then if you can have squared down your answers and your involvement in those three

matters, then you're being a good adult in France, a good expat.

So the visa question we started talking about earlier, you know, you can either

self-diagnose or work with an expert to figure out what's the right visa category for you.

The tax side of things is, am I spending more than half of the calendar year here in

France?

Am I triggering one of the multi factors, you know, the multi factorial test of, you

know, it's my primary residence here.

It's my spouse here.

It's my job here is, you know, where am I laying my head and I?

Is that primarily France?

Then yes, I'll need to start filing taxes in France.

And I'm sure they're not so scary.

But the way that it works in France is similar to America.

We file in April of a calendar year for the preceding calendar year and that the French

fiscal year runs like America January through December.

And so then we look at the Franco American tax treaty.

Which is super favorable towards Americans.

One of my accountant buddies calls it the bees knees for retirees, but that it goes,

it does it avoids double taxation.

So you're for Euro dollar for dollar.

You either pay it in France or pay it on the US side.

And then the entire exclude US Social Security stocks, US based rent.

So they're not looking to tax some of those, you know, more precious things on the French side.

So yeah, then we end up filling out our tax return here in France.

And then we turn around and we file it on the US side and make sure with one of those

Franco American experts accountants that they are matching up correctly.

Wow.

That's amazing that you can exclude all of the US assets.

And I love that bees knees.

The retirees.

Yeah, I've a retiree.

That is that's like an amazing line.

I'm going to use that again.

I don't specialize in France, transparently.

That's not our practice focus, but it's always we get so much questions about France.

And it's like one of those things as I've looked over the treaty, I'm like,

this treaty is a lot better than most other treaties that I've seen.

They recognize the Roth accounts, which is very rare in Europe.

Right.

And so it is really important that you understand it, even if you're just in the

starting phases of thinking, I want to move to Europe as you consider different

countries, you have to recognize France is not equal to Switzerland.

Switzerland is not equal to Germany, even though they're all right next to each other.

It's all different rules.

And again, you have to kind of put your entire situation through the lens of

whatever, whatever country you're actually considering.

Yeah, just to ricochet off of that.

So I'll give credit where credit is doing his name is Jonathan Hiddida.

He's one of the one of the major Franco American accountants that came up with

that slogan.

And the one thing that I think it doesn't account for correctly is trusts that

France doesn't trust trusts.

They think it looks like a vehicle for tax fraud.

And so you do really want if you've got a trust, you do want to sit down with an

account, a Franco, yeah, a Franco American tax expert like him to make sure that

you're not exposing yourself to any kind of financial liability.

Yes.

And I would say just in general, Europe doesn't like trusts.

Again, that's like very mask, mask covering.

But because we like them so much on the US side, I'm just saying that again, to me,

that's like a red flag proceed with caution.

One of the mistakes we often see is before individuals move abroad, they will set

up these really complex plans and then they will move abroad.

They'll hire me or one of my other professional colleagues and they'll say, I

did a great job setting up this amazing, you know, tax optimized system in the US.

But then all of a sudden we've already established residents in another country.

And now we have to again, put it through the lens of that country.

And sometimes it works.

And very often it doesn't.

So again, it's important to engage the right professionals proactively before

you've left before you've made that move.

Because to me, the pre planning is where so much value is added.

Yeah.

And the only, I feel like most sins are

pardonable.

The only thing that makes the account it sweat on the French side is if you have

a house on the US side, you move to France and then you say, now I'm ready to sell my

house.

That can start to look like it's getting hit with a secondary property on the US side.

It's going to hit with with capital gains taxes on the French side.

So I either advise my clients to sell it before you move or don't sell it.

And you know, rent it out, what have you, but you're not necessarily sell it.

Not to get too far in a hypothetical.

But if a person was looking to sell it later down the line, they could, you know,

that 10 year card you can move abroad for a couple of years.

You could reestablish the US tax residency, sell it and then move back to France.

So they're always our solution.

But as you're saying, yeah, I think you're really doing a good job of underlining

the importance of getting some good, expert hands to make sure this goes as

fluidly as possible as painless as it can be.

Can we jump back to healthcare?

Cause I realize we never, you never finished up that question.

And I am really curious for visitors.

Yeah.

How do you access health care?

Because it's not going to be through a Medicare.

Let's talk about that.

So in France, they have this radical notion that healthcare is a human right.

And so that everyone that's living here in France, for more than three months,

can qualify for healthcare.

And so this is what it looks like.

It's called the carte vitao.

And the carte vitao is what you scan at the doctor's office in the pharmacy

to get the reductions on your medical expenditures.

It covers the first 70% of your expenses.

So you just showing up without any insurance in France paying out a pocket.

Usually costs 30 euros, which already is lower than a lot of Americans.

Copays when they have insurance, when you have this, then it reduces the

cost down to nine euros that you're paying out of pocket.

And then what most people do here in France is they get a top up insurance

called the mutual.

And then that's what you then show with the carte vitao and between these two

then things that might pay nothing out of pocket when I go to the doctor's office.

And if you're watching on video, you would have just seen Daniel actually

show those cards.

So, which, I mean, they look so simple.

So the concept is you are a visitor in France and you have, you have access to this.

Yes.

They have a part of a subdivision of their healthcare that's called universal

coverage, Puma.

And that is the vehicle by which one files for this in terms of how one's paying

for it.

When you're an employee, it's a line item in your pay slip.

As an entrepreneur, I pay it and I contribute to French Social Security.

When a person is not working at all in France, the question is how is one paying

for it?

What they are supposed to do is look at the tax return that you're filing as a

person living here in France and saying, okay, we'll, we'll tax you a small

percentage of your global earnings to say, okay, that's the amount you're

supposed to be paying for it.

The trick is that the French system is slightly broken in a favorable way that

they forget to send the bill to majority of my retired clients, that they get

healthcare in France, but they're not even paying for it.

That was that one deputy that I met with in December.

He was trying to rectify that because he says, you know, all of the people that

are here, they have good will, like they want to pay into the health

system they're receiving.

So he was proposing a flat fee.

So I met with him to talk about what that could look like and, you know, how high

it should be or what have you.

And that bill got passed, but we're still having the French, you know, fiscal

offices determine what that amount is.

So the idea is that then yes, you're benefiting from what the World Health

Organization has ranked as the top healthcare system in the world and that

you are going to get built a certain amount for it, but it's going to be

nothing like on the US side, the US side is notable for having the world's

most expensive healthcare system.

So it'll necessarily be less expensive than that.

Okay.

Can we talk a little bit about the entrepreneur path into, into France?

Yeah.

So it's a very doable pathway into France found.

I was already telling you how hard it is to get hired in France.

I was looking for a job when I graduated and I had, you know, fancy

American degrees.

I had the New York bar, I had, you know, eventually the Paris bar and I

couldn't for the life of me find that right job in France versus I knew I had

a real value added on the marketplace.

And so I ended up becoming going on the entrepreneur visa myself at a certain

point.

I've been on like five or six different immigration statuses before

becoming French now, but on that side of things, they're looking for a real

and serious business idea that can earn you more than a French minimum wage, which

22,000 euros with multiple clients, not just one single client, which some of

them are theoretically located here in France.

So the most important aspect of it is going to be the business plan, which when

people work with us, we help, you know, we have them make the first draft and then

we do a lot of re-editing of it.

It's about 20 pages.

It's, you know, who are my competitors in the market?

Who am I in the market?

What is my business proposition?

Who am I doing this company?

Like what are various services and products that we're offering?

That's the word section.

Then there's the financial estimates.

Years one, two and three houses company going to grow.

And then in the annex, you stick in your CV, your diploma, and then letters of

interest from people that are here in France that cannot wait to work with you.

So I call it the silver platter, silver platter approach.

You really put everything on a silver platter for the French agents to say yes,

because I like to joke that France is a country of no, no, yes.

There's a lot of St.

Papo Cibros.

You have to push past that mentality that it's not possible to get to them saying

yes, it is.

And if you're showing them a cohesive case for your business, then they're

not looking to say no, if it's, if it's viable.

OK.

Yeah.

Great.

That sounds like a wonderful, a wonderful path for people.

Do you find that retirees, are they going with the entrepreneur path or the visitor path?

You know, they're going that visitor piece.

OK.

Yeah.

So it's younger people who are going the entrepreneur people.

Yeah.

Yeah.

That are willing and able to, you know, set up a French company and run that.

And of course, when you have a French company, you don't do it by yourself.

You hire, you know, Franco, like, um,

accountants to help you manage, make sure the decker is done in the right manner and what have you.

Yes.

And we did talk a bit about that on Celine's episode.

Celine, Kat and C.

Irish came on and we were talking a bit about her experience of learning about the,

the tax compliance on both sides because having a French company, you have a foreign

entity for, for US tax purposes.

We won't get into that, but I will link her episode in our show notes just because

I think that was also a really, a really good listen.

OK.

Jumping to the family visa.

I'm curious if you are married to a French citizen.

Does that give you an automatic right to live and also to work in France?

Great question.

I like to joke that nothing's really automatic in France.

That everything has to be at least filed for and that you're on track to qualify

for something, but you have to like go out and ask for it.

So yes, if you're the spouse of a French national, you qualify for the V.

P. F category V.

Preve a familiar private family life.

And that one's filed for, like, let's say it out of your, you know, the French

consulate in your home country and then it's dollar for one year and then

upon renewal, two years and then upon renewal, that 10 years.

So it already gets you on a longer term track, relatively quickly.

And depending on certain conditions, whether it's four years or five years

from the date of the wedding, you can qualify for naturalization by marriage as well.

So they're looking for, you know, that you've got communal life with your spouse,

that you've gotten to a good level of French, which is B to French intermediate.

And that can be filed for not only in France, but also in the US.

Like, let's say you lived in the US with your French spouse, you could file

for naturalization by marriage in that manner over there.

So it's generally a very good status.

And if a person is married to a French person, that's where the bus starts and stops.

I'm not going to say, oh, you should consider the entrepreneur or the visitor.

No, go for the V. P. F category.

It's the right route.

Similarly for you nationals, it's weirdly enough, even more favorable.

They get it.

They can show up as a tourist arrive here with a 90 days ask for the spouse

of a new national category, a residency permit.

It's filed for five years.

It's free of a local prefecture, both the V. P. F.

And this category have full work authorization.

So, so yeah, facts and patterns.

It would matter if you're out.

What's the right situation for a person and then plugging them into that right slot?

Can you run us through?

I mean, we just kind of did a quick overview of those three main visa types that you see.

What does the general timeline of this look like?

And what are, you know, what should people expect from timeline, the legal fees?

How long should they expect to start planning their move into France?

Yeah.

So one of the advantages of selling France is that it can be relatively quick to get

over here.

The fastest we've ever seen was a gal who met with me on February 3rd and by

February 20th, she had the passport back in hand with the visa sticker inside.

Ready to move over here.

This year, what year?

That was two years ago.

OK.

But last year, one of my colleagues told me that she beat me.

We had a filing over Christmas Eve and New Year's and she got it quicker than I got

in that story.

The idea being that you file at one of the offices on the US side.

It takes about a week or two to book that appointment out.

And then once it's been filed for the French Consulate takes eight days to

process and approve a visit of visa application about three weeks for the

other categories.

So the consulate moves very fast and some other country, they're not here to

tell you not move to Portugal or Italy.

But there's other countries where you have to really have, you know, a sense of

adventure trying just to get the appointment for a visa.

Then once you're in France, you're dealing with the local prefecture.

So there's 95 diapartemal in France.

They're kind of like the size of the county.

And each diapartemal has its own local prefecture.

So Nice has one, Paris has one and so forth.

And prefectures are slower than the consulate.

The prefectures will take three to four months minimum for any given application.

And so then you just put it if your card's up for expiration, if your status is up

for expiration in four months, then you submit that in four months time.

And then you say, okay, I filed, I've got proof of filing.

I'll be good.

Let's not then then process this thing.

And I'm not going to worry about, you know, what happens if they took more than

four months because I know I've acted in a good faith.

The balls in their court, it's ongoing.

Wow.

Okay.

Thank you.

In the kind of last few minutes, I want to jump over to your kind of cultural

journey and integration into French society, right?

Like you came as a student and now you're an entrepreneur.

You've built a very successful firm.

You've made 20 local hires.

I mean, it's really amazing.

And then you're running this homeless shelter for refugees in Paris.

And you're giving back so much to the community and as expats, right?

You know, people who are moving around just starting to just, you know, getting

settled in a new country, it's so easy to get caught up in our own needs and our

own wants and our own life that I just want to take a moment and kind of allow

you to talk about your experience of kind of making that transition into giving

back so much to your adopted country.

Yeah.

One of I forgot so many thoughts on that topic.

And I've even made a YouTube video about how to make friends with the French.

And these core questions of we could theoretically be on our own little

apartment, kind of by ourselves all day long.

But the point of moving to France is to be with the people.

So the questions that are you with the local community?

Are we with the expat community?

I've found it hard to befriend the French and I even I think it has to do with, you

know, getting involved in local clubs and groups and also having a really good

level of French.

I think those are the core criterias to do it.

Meanwhile, the expat community ends up being very strong and warm and welcoming

and maybe have the more similar life experiences to the person moving over to

France than that local French person.

They might have an international mindset.

They might have, you know, a certain level of education or cultural references or

what have you.

And so one of the particularities of Paris is that there's not enough space.

It's kind of a, you know, densely populated city.

At one point I was contacted by the head of the American church in Paris asking

me when refugees show up where they sleep.

And I said, that's kind of one of the major issues that there aren't enough

places to sleep in Paris.

And so he asked me how that church could set up a shelter.

And that was when I got really excited about the idea because I used to run a

volunteer in a couple of homeless shelters in the US side.

And so then at that point I was like, and this is how it should work and I will do

it.

And I kind of just went knee deep into that shelter.

And so yeah, it's a winter shelter for folks that are almost all the

merrif you do.

Some of them can be French or European.

We're not excluding most of our men.

There's always a handful of females that stay with us too.

But basically saying, you know, listen, here's a great big venue with a lot of space

that was using at nighttime.

And so here's a chance to have a warm meal, have a shower, have a safe place to

sleep.

And then you're kind of out and about during the day.

I ran the shelter for six years.

I ran the minister running with my wife and then we had a baby a year ago.

And so then I stepped back and a different person stepped into the shelter work

to let us focus on raising the kid in the nighttime too.

I really love the community that we have here in Paris.

I think it's an exceptional community.

It kind of reminds me of, you know, colonial America in the 1770s on the East Coast

where like George Washington, New Benjamin Franklin knew that, you know, Samuel Adams,

like they all kind of seemed to know each other.

It kind of feels that way because there's about 30,000 of us American expats here in Paris.

And so it all seems like we're either one or two or three degrees separated.

And that's cool.

Then it's creating community amongst ourselves.

And then of course we can have so French contactors we want to have with the local

community as well, but it gives us a chance to be here and then to reflect back on our

home country.

How are the what is the state of America right now?

How is America doing?

I'm not going to answer that question a lot of viewers answer that question.

But then it lets us see how other people are seeing our home country and it gives us

extra perspective on the matter and a chance to really have death in our own

understanding of understanding of, you know, who are we?

You know, I'm an American, but I'm no longer an American living in America.

I'm an American abroad.

And so, you know, what is my place in this cosmic universe?

That's those are like the questions I like to think about.

I'm so with you.

You moved abroad in 2010.

I moved abroad in 2011.

And it's something that I've seen that this massive shift and how I think of those

questions.

And again, we don't have to answer those today, but I do think it's something to just

kind of think on and just be aware if you're sitting listening to the podcast in the

US, once you go abroad, your viewpoint is going to shift.

It has to almost right because your environment will change so much.

So last question for today, if someone is seriously considering moving to France,

what would be the first step that they should take?

Yeah, there's a couple of different ways that a person could approach that some I

see will reach out to the real estate person.

One of the major names is Adrian Leach.

He helps Americans get housing in France.

Another route is talking with the immigration person, whether it's my law firm or one of

the relocation agencies that are out there getting a sense of, you know, what's my

personal timeline when am I moving?

And then I think a complete picture would involve us talking with the Franco-American

tax experts and if a person has significant financial resources, talking with a money

person to make sure that they're playing the money game in a smart manner.

And then if you have all those decks lined up, yeah, you're not the first person

moved to France, you won't be the last.

It's very doable.

So when we talked about the Franco-American tax treaty, it's a very safe place to

the moving to on the immigration side.

It's a very doable way, doable place to move to in short order to get a good, you

know, immigration status here in France, the visitor visa or another one.

Yeah.

And then you're living your best French life.

You're getting a quasalt for one year or 20, a fresh baguette for, you know, when

you're 30 and you're off to the races and you're living a life that you never

thought possible.

I call it in English, I call it lifecation and in French, I call it v-comps.

The idea of when you move abroad, every weekend in Paris is like a vacation, like

a two-day vacation in Paris.

Like that's what I've, you know, given gifted myself by choosing to move over here

to France.

So it's that lifecation that I wish for all your visitors, your viewers as well.

That is a beautiful bow.

And we started with Paris was your city.

And we're kind of ending in, yes, Paris is your city.

And I do believe that us as humans, we always have like a calling to a certain

place.

And to follow and explore that is, I think part of our life work.

So Daniel, thank you so much for joining us on Passport to Wild.

I really appreciate your, you sharing your time and your expertise with our

audience today.

Thank you for having me on.

I appreciate it.

The content shared in this podcast is intended for informational and entertainment

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We encourage you to consult with a qualified financial advisor, tax professional or

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