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Intro: [00:00:01] Welcome to Decision Vision, a podcast series focusing on critical business decisions. Brought to you by Brady Ware & Company. Brady Ware is a regional full service accounting and advisory firm that helps businesses and entrepreneurs make visions a reality.

Mike Blake: [00:00:20] Welcome to Decision Vision, a podcast giving you, the listener, clear vision to make great decisions. In each episode, we discuss the process of decision making on a different topic from the business owners’ or executives’ perspective. We aren’t necessarily telling you what to do, but we can put you in a position to make an informed decision on your own and understand when you might need help along the way.

Mike Blake: [00:00:40] My name is Mike Blake, and I’m your host for today’s program. I’m a director at Brady Ware & Company, a full service accounting firm based in Dayton, Ohio, with offices in Dayton; Columbus, Ohio; Richmond, Indiana; and Alpharetta, Georgia. Brady Ware is sponsoring this podcast, which is being recorded in Atlanta per social distancing protocols. If you like this podcast, please subscribe on your favorite podcast aggregator, and please consider leaving a review of the podcast as well.

Mike Blake: [00:01:06] So, this week’s topic is, Should I become a digital nomad? And being a digital nomad, historically, has had a certain meaning. It’s now evolved, I think, particularly in the wake of the pandemic or during this – what I call – trans-pandemic period here. But, historically, a digital nomad refer to somebody who would wander usually from country to country – though not necessarily – but would wander from country to country doing their thing. Visiting spots wherever they felt like. And often would not stay long enough to run afoul of local immigration laws. And most countries let you stay in a place for about 90 days or so before they want you to either register for some sort of permanent residency or get the heck out of there.

Mike Blake: [00:02:03] And there are others that do it domestically. Rod Burkert, who was a guest on one of our early podcasts, has been living with his wife in a recreational vehicle for the last decade or so, I think. And so, they’re constantly moving about the country. I don’t know if they’ve ever crossed over to Canada or Mexico. I have to ask him about that. But, certainly, they would qualify as a digital nomad.

Mike Blake: [00:02:25] But, historically, being a digital nomad has been associated with somebody who has gone outside, who left the country, or is working from outside the country where their principal employment is at least nominally located. And, you know, a few things kind of bring this to the forefront. Number one, the pandemic has forcefully, I think, taught us a lesson that most of us, particularly in the professional services world, really can work from anywhere.

Mike Blake: [00:03:02] I’m going to tell you that I think I have met fewer than 50 percent of my clients in person. It may be down to 25 percent. They just don’t need to see me. Certainly, seeing me in person has no value on any level. And while people in my world will sometimes do site visits to an appraiser company, I don’t do a lot of those because I work with tech companies. And all I would do is I, basically, show up, I’d see some cubicles, and conference rooms, and maybe a ping pong table or something. So, there’s really not much use to doing a site visit. I mean, you wouldn’t even see servers anymore. Everything’s on the Cloud. So, I’m fortunate that, you know, I truly can work from anywhere and that’s been demonstrated.

Mike Blake: [00:03:49] But I think a lot of people are finding out that they truly can work from anywhere. Now, not everybody wants to do that. I know many people that are yearning to go back to the office. They like having their work set up separate. They like having sort of the permanency of a workspace. And, look, not everybody’s home is well set up to work from home. If you have kids and you’re trying to work in your kitchen table, boy, my hat is off to you. That is not easy.

Mike Blake: [00:04:18] But, you know, we’re finding out that we can do that. And, of course, you know, I think every time we have massive social upheaval, every time we have an election cycle, there’s somebody who is happy with the outcome, there’s somebody who is not happy with the outcome. And a lot of them say, “Well, I’m going to emigrate.” Which, in most cases, is madness because, frankly, most countries don’t want us there. It’s not that easy to immigrate to most countries, particularly ones that we would consider developed. Now, in other countries, it is easier. Some countries in Central America and Eastern Europe do make it easier to a certain extent, we’re going to talk about that. So, the option is there. But, you know, it’s not that easy to pick up and move.

Mike Blake: [00:05:05] But I do think there’s a certain romanticism about it. I’m seeing more articles about being a digital nomad. I’m seeing more articles about going to a place like the Republic of Georgia or to Estonia or to Portugal where a lot of American retirees are going. And, of course, there’s a lot of interest in Central America where, you know, the American cultural presence has been there for quite some time. And some of those countries even still use the U.S. dollar as their currency or at least have their currencies pegged to the U.S. dollar. And so, I think a lot of people are at least sort of thinking about it. You know, could we pack up and move? Maybe not for the rest of my life. But maybe we do it for a year. And we enjoy a beach on the Caribbean and we enjoy, you know, being in a different culture. And we enjoy maybe there’s some economic benefit to living a lower cost of living or in some cases simply a simpler lifestyle.

Mike Blake: [00:06:04] So, I think that’s an interesting topic. I certainly find it intriguing. And joining us today to talk about this is my friend Maria Joyner, who is co-founder of FounderScale. A B2B marketing and sales operations agency that helps B2B organizations drive revenue utilizing marketing technologies like HubSpot. She hails from one of my favorite cities in the planet, which is Savannah, Georgia. Well, Thunderbolt to be exact, and she’ll have to tell me what Thunderbolt is. I’ve lived in Georgia for 18 years, I have no clue where Thunderbolt is, except I gather it’s near Savannah.

Mike Blake: [00:06:40] Maria is an accomplished marketing technologist and entrepreneur that is living her dream in Costa Rica. And she and I go back to the old Startup Lounge day. She knew me before I had gray hair. Prior to moving to Central America, Maria spent ten years in Atlanta studying and growing technology startups. She took her previous company, Synapp.io – by the way, one of the first companies to do a dot io before everybody thought it was cool – an email deliverability startup from pre-revenue to $2 million in annual sales in less than 18 months. As founder and entrepreneur of this company, she’s leading a team that understands that business growth is tied directly to the ability to drive sales. Maria Joyner, welcome to the program.

Maria Joyner: [00:07:23] Thanks for having me.

Mike Blake: [00:07:25] So, Maria, you’re here – and then I remember – I mean, not in a way that’s like traumatic or anything, but I do remember because I looked at it with such admiration – when you left. And sort of one day, from my perspective – we’re not the best friends in the world, but we know each other – and, frankly, one day you were here and then it seemed like the next day you popped up and said, “Hey, I’ve moved to Central America. Adios”, or something like that. So, how long ago was that? And where exactly in Central America did you move to?

Maria Joyner: [00:08:01] Yes. So, it was about five years ago that I took the leap to leave the States and move to Costa Rica. So, I’m located in Costa Rica in the Guanacaste Region near Lake Arenal. So, a lot of people may be familiar with the Arenal Volcano. It’s the perfect pyramid shaped volcano in Costa Rica.

Mike Blake: [00:08:25] Is that volcano active? I hope not.

Maria Joyner: [00:08:27] It is an active volcano, but it is in a period of inactivity since, I think, 2011 or 2010. But it hasn’t had a huge explosion since 1968, when there was a very large explosion. They didn’t actually know it was a volcano in 1968.

Mike Blake: [00:08:48] So, how is it that you chose to move to Costa Rica as opposed to someplace else?

Maria Joyner: [00:08:54] So, when I was part of Synapp.io, I came to visit Costa Rica for a couple of days with – a friend of mine has a group travel company called Under 30 Experiences. So, it’s a small group travel, 8 to 12 people, and they focus on going to places that are locally owned, self-sustainable, that focuses on ecotourism. And so, I went with them to a Costa Rica rainforest retreat, which was located at a permaculture farm off the grid, self-sustainable, near La Fortuna, Costa Rica, near the Arenal Volcano.

Maria Joyner: [00:09:33] And I was there a few days. And I was really fascinated by how everything worked. Like, I wanted to see what was underneath the hood. It was like they grew everything they eat. They support guests who come through here. Their whole design works in unison with nature. And I was really fascinated by these natural systems that work together. We work with technology systems all the time and we create systems, but I was really fascinated how they can work in such unison with nature.

Maria Joyner: [00:10:02] So, after that visit, I decided to make it a company-wide part at Synapp.io that anybody in the whole company could work from wherever they wanted, it was June of 2015. And it was essentially so I could come back to Costa Rica and volunteer on the farm. So, it was really self-serving. And so, I came down here one month past, two months past, three months past, my co-founders were like, “Maria, what the hell is going on?” And I decided it was time to come home. I came back and tried to just fall back into my life, fall back into duties of a VP of marketing and growth, and all of that. And I just was somewhere else. And my co-founders sat me down and they were like, “Look, it’s all over your face. You’re somewhere else, just go.” And so, with that, I had the permission to make a big life change.

Mike Blake: [00:11:01] Now, when you did that, were you still able to retain your role with the company or did you have to exit the company at that point?

Maria Joyner: [00:11:08] Yes. So, yes, I exited the company. One of the challenges that we ran into at the off the grid self-sustainable farm was the internet. The internet is solar powered. So, you have solar powered internet in the middle of rainy season, which is, I mean, basically June through November, depending on where you are in the country. And there isn’t much internet. And so, I wasn’t necessarily able to perform my duties the last month I was there because it was peak rainy season. Which, it made that argument very difficult to make that, “Oh, yeah. I can move to Costa Rica and continue running the company.”

Mike Blake: [00:11:48] Interesting. And now that you’ve been there five years, is it any better? The internet, I mean.

Maria Joyner: [00:11:54] Yes. Yes. So, when I moved down here, I was able to get satellite, I think, maxed at five megs, and I thought that that was just awful. Then, I moved to another farm, and the internet maxed out at three megs, and I thought that was just awful. And where I’ve lived the past year-and-a-half, it maxes out at two megs. However, Costa Rica over the past years has been putting a lot of effort into building out the fiber optic infrastructure. And so, where I’m at right now, I actually rent an apartment really close to my house that gets fiber optic so we can have conversations like this and so I can have a productive work week. But locations that are more appealing to tourists have excellent internet here. Like, at the beaches, you’re looking 50 to 100 megs, sometimes 200 megs in places.

Mike Blake: [00:12:50] So, I didn’t know the full background of the story. So, you moved down – I’m sorry – you visited Costa Rica with the intent of learning about, basically, a way of life. And it sounded like you kind of accidentally fell in love with it. It doesn’t sound like it was your intent that you were necessarily intending to leave the country and live elsewhere at that time.

Maria Joyner: [00:13:16] Oh, my gosh. Absolutely not. I was so happy with my life in the States. I love the team. I was loving the journey that Synapp.io was on. I love the team we built. And I thought, I mean, in my mind, I couldn’t have – if you had asked me before I came to Costa Rica, what would you do in your life to make to make it better or happier? I would have said nothing. And I remember stepping off of the van, like out of the van, and onto this farm. And I almost felt like somebody grabbed my soul and shook it. Like, I had this just huge just, “Whoa. What is this place? And what is this? Just what is this?” And after seeing Costa Rica, there was just no going back. Like, I had seen just a whole different way of life. And that wasn’t my intention. And I wanted to go back and sort of just carry on with life how it was. But I guess once that whiplash is so strong, it just never goes back to being the same.

Mike Blake: [00:14:17] And, you know, to me, it sounds like you’re exposed to two things at once. And I’m curious if there’s a way to separate the two or not. You’re exposed to a permaculture way of life, which I guess, theoretically, could occur any place if you have the community to drive and sustain it. And, of course, you’re also in a foreign country, Costa Rica, which has its own culture, traditions, language, et cetera, et cetera. And I’m curious, did you give any thought to exploring whether or not – actually, I’m going to rephrase this question. Have you ever given thought to whether or not it was the permaculture that drew you, or the Costa Rican cultural experience that drew you, or were they so intermingled that you either can’t tell or it doesn’t matter?

Maria Joyner: [00:15:10] The permaculture is what drew me and the Costa Rican experience is what sold me. That was the Kool-Aid that I drink.

Mike Blake: [00:15:18] I’m curious. I’ve never been to Central America. What was it about the Costa Rican experience that that was the Kool-Aid?

Maria Joyner: [00:15:29] The people. And, obviously, we can’t be general and say the people, but people are happy here. The Costa Rican motto is Pura Vida, which means the pure life. And I mean, as a tourist, maybe it gets overused. But locals, “Good morning. Goodbye. How are you? I’m good.” Pura Vida is the two words that say it all. And it’s really evident in the way that people live their lives. For example, if you are in a bank waiting for two hours – because that’s normal here – to make a deposit, nobody is stressed out. Nobody is looking at their watch. Everybody is Pura Vida.

Maria Joyner: [00:16:15] And not just that, people who live here love this country. They love all the natural wonders it offers. They love to show tourists the country. And I guess with that being said, I think that the Costa Ricans don’t necessarily treat Americans in a way that isn’t welcoming. I’ve been to other countries that I have, like, been treated in a way that it was very obvious that I was not wanted there. And I think Costa Rica really embraces tourism and they love showing people their country.

Maria Joyner: [00:16:51] And so, I think that this just laid back, but not too laid back, way of life is, like, really what keeps me here. Because I’m a product of my environment. So, whatever environment I put myself in, that’s what the output is going to be. And so, if I can if I’m in a high paced, high stress environment, I’m going to be high paced, high stress. And so, one of the things I realized by doing the exact same things I was doing in the United States and moving them here to Costa Rica, from a work perspective, is, I was able to remove that high stress and continue the high pace – I don’t want to say no stress – but with low stress here just because of the environment around me.

Mike Blake: [00:17:36] So, you initially went down, you weren’t planning on staying, you fell in love with the place, came back. And then, it sounds like at that point you decided that when you were going, you were going for good. What was that process from sort of that day until you landed in Costa Rica with whatever belongings you had, what was that process like? How long did it take you to execute?

Maria Joyner: [00:18:01] All right. So, I remember it was October, maybe it was October 21, 2015, and I remember I had a boyfriend that time and I’m like, “We have to go. We have to move to Costa Rica. It has to happen.” And he was like, “Okay.” And so, that was October 21st. We landed here, I think, it was January 23, 2016. And so, once I made the decision at the end of October to make everything happen, I contacted two of the friends that I made when I was volunteering at the permaculture farm. I mean, everybody at the farm knew I wanted to move there. So, I just was like, “Yeah. I’m moving. It’s happening.” And I asked if they could help me find a place to live that has internet that could support what I needed to do marketing, technology work.

Maria Joyner: [00:18:52] And then, I just started the process of selling my stuff. I think the most helpful thing to me was having feet on the ground, was having somebody who was local, finding a house for me, talking to the telecommunication companies. Because if you think telecommunication companies are difficult in the United States, try coming down here. And so, that was a huge help to me. And I flew to Costa Rica December 11, 2015. All of this is so embedded in my mind. It was such an impactful time. And I came down here for about 11 days to look at the house that I was going to move into. But, essentially, it was just a trip to travel around the country and see more of the country. And so, I got everything in order in December. The house looked good. I talked to the owner. It was all great. And then, yeah, we flew back in January. We came back in January.

Maria Joyner: [00:19:46] So, a couple of things really helped us. The first thing is, is the home we were living in, the owner of the home told us to leave anything we don’t want to take or we don’t want to sell. So, I don’t know that we would have been able to pull this off if we had to sell and get rid of everything in our house. So, that was the first thing that was a huge benefit. The second thing was I actually paid a friend to fly down with us so we could bring four more suitcases.

Mike Blake: [00:20:14] Really?

Mike Blake: [00:20:15] Yeah. So, shipping is like $5 or 10 a pound. Think of a cast iron pan, like a cast iron pan to get that down here, we’re talking like 25 bucks. So, I actually paid a friend to fly down, so it’s cheaper to buy her plane ticket. And we flew Southwest because Southwest has two free checked bags. And it was cheaper for me to pay for her plane ticket. I think it was just one way and made a round trip than to ship everything. And that is kind of what we did. And I brought two dogs with with me, so they were emotional smart animals, so they sat under the seat in front of us. So, it was a super smooth trip once we got on the plane.

Maria Joyner: [00:20:59] However, two days before we were set to fly out, I got a phone call from my friend – because we were going to fly Atlanta to Baltimore, Baltimore to Houston, Houston to Costa Rica, because that was the Southwest route at the time. Well, I got a call from my friend. She’s like, “Did you not see that there’s been a huge blizzard in Baltimore and all the airports are closed down?” I was like, “What?”

Mike Blake: [00:21:22] No, I did not see that.

Maria Joyner: [00:21:23] Yeah. And in my mind, I thought there is nothing that’s going to keep me from flying out and going to Costa Rica in two days. And so, I changed all of our airline plans. There was actually not a blizzard in Atlanta, but all the roads were iced over in Atlanta. So, we actually rented a car, drove 11 hours to Houston so we could fly out of Houston direct to Costa Rica, and still end up making our original flights. So, it was a pretty smooth process until that last two days scramble at the end. And then, once we landed, it was just smooth sailing.

Mike Blake: [00:21:58] Now, how about getting a visa? Was it difficult to obtain a visa that would allow you to to stay there long term?

Maria Joyner: [00:22:06] So, for the past five years, basically, what I’ve had to do – well, the past four years, what I’ve had to do is cross the border every 90 days to get a renewed visa. So, in Costa Rica, they allow you to stay 90 days and then all you have to do to renew your visa is cross into another country and come back. Unless you’re purchasing things, you don’t have to stay, like, three days or anything. I mean, usually immigration makes you stay an hour on whichever side it is within Nicaragua or Panama. And you pay just a small fee to exit, a small fee to come back in, and then you’re good for another 90 days. They do require that you show an exit ticket with those. So, you can buy an airline – I mean, some people buy airline tickets and cancel them just so they have something to show immigration when they come back in the country.

Maria Joyner: [00:22:55] But after doing that for so many years, probably about a-year-and-a-half ago, two years ago, they started just being a little more difficult at immigration coming in to Costa Rica. They’re like, “You’ve been doing this for the past four years. You either need to file for permanent residency or we’re not going to give you your full 90 days.” And so, you know, I’ve never really had any issues they made some comments like that. And so, after that happened a couple of times, I decided it was time to start exploring permanent residency.

Mike Blake: [00:23:26] And once you decide to do that, how difficult was that to obtain?

Maria Joyner: [00:23:31] Well, I had a good friend of mine that I had known since we were working at the ranch and he had been working with me. And I’ve always been joking for years, like, “Why don’t we just get married so I don’t have to cross the border?” And in this time of us joking about this, I guess we fell in love and so we ended up getting married. I always tell people it was for residency, but we actually do love each other. So, I got married.

Maria Joyner: [00:23:56] And there are multiple ways to get permanent residency here. The first way is a rentee style, which is you rent here. And I think the process is something like you put 60 grand in a bank account, you don’t touch it for five years, and then you have residency. I think that’s one way.

Maria Joyner: [00:24:13] The other way is investing. So, if you make an investment of $250,000 or more, you can get residency. And I believe since COVID, they have lowered that number substantially. I think it’s either 200 or 175 now because they’re trying to encourage people to take a permanent residency. You can get it through marriage, you can get it through having a child, or you can get it through retiring here. So, like, a U.S. retiree can live here off of their Social Security. And Costa Rica offers a path for people to come down and retire here.

Maria Joyner: [00:24:47] So, I chose the marriage route because that made the most sense to me, and it is the least expensive. And so, we got married, let’s see, two years ago – maybe two years ago. So, coming up on the third year, I’m also able to file for naturalization, which would mean that I could get dual citizenship between Costa Rica and United States.

Mike Blake: [00:25:11] So, when you moved down, I mean, did you have any exposure to Latin America? Did you happen to speak Spanish? Was there anything that gave you a head start in terms of assimilating? You know, because most Americans don’t travel abroad, because we’re separated from a lot of countries by an ocean and all that. I think many Americans would find moving abroad daunting. How is that for you? Was the language an issue? Was cultural adaptation or homesickness ever an issue? Or how was that for you?

Maria Joyner: [00:25:45] So, when I told my dad that I was going to move to Costa Rica, I might as well have been telling him that I was going to move to the Middle East. It was a very, very large shock. However, after he’s done all of his research. I mean, Costa Rica, for Americans, is the only country in Central America that we can buy land. Any other country, Americans cannot buy land without a cosigner that is a local. Here in Costa Rica, you can buy land. So, Costa Rica does a good job of making it easy for Americans to come down here. And they also make it easy for the residency process.

Maria Joyner: [00:26:21] However, some of the things here that are huge culture shock is a total lack of inefficiency across practically everything. And I think that that’s why a lot of people, they get frustrated here. So, for example, the internet went out in the office – I feel like this happen anywhere – but, you know, it was out for a week and finally we found someone we knew. And the company who came and looked at it, unofficial visit. But things like that. I spent four months without internet at home. And I went to the office every single day. It was super polite, like, “Hi. I still don’t have internet. Can you please send someone to look at it?” And so, just a total lack of inefficiency can lead to extreme stress.

Maria Joyner: [00:27:12] And some other things here, if you have to make a deposit in the bank, you could be there two-and-a-half hours and that’s normal. So, that’s another thing that is extreme lack of inefficiency. Things like BillPay, PayPal, those things aren’t really common here. So, most of the contractors that come over and help us out or work for me or kind of help us out with our baby or at the house, it’s all cash. There’s not a lot of electronic transactions here, so that’s another challenge. I think, I guess the main theme of one of the big challenges here is just banking in itself.

Mike Blake: [00:27:47] That’s interesting. Now, in Costa Rica, my understanding is a fairly large American population, as you said, that they are deliberately trying to attract American retirees. Do you ever interact with them? Or have you decided to try and keep yourself as locally embedded as possible?

Maria Joyner: [00:28:07] So, when I first moved here, the first year-and-a-half I was here, I was in rural Costa Rica, and I was the only foreigner in the whole town. And so, I really enjoyed that. I intentionally didn’t want to move to the area I’m living now because I’m like, “Oh, it’s just a bunch of foreigners. I’m not here to live with foreigners, so I don’t want to live there.” And the reason I decided to move here is I saw it’s just beautiful. The Lake Arenal area is just stunning, totally gorgeous. And so, now, I’m in this area.

Maria Joyner: [00:28:41] I think I read a stat of it, around Lake Arenal, which is 88 square kilometers, there are over 5,000 houses owned by foreigners. That’s not total foreigners, and they’re just 5,000 houses owned by foreigners. Just to give you an idea of how large the population is in just this area. But you don’t really feel it. I mean, it’s all green as far as you can see. There’s not any high rise condos or anything like that.

Maria Joyner: [00:29:06] But because of where I live now, I do interact a lot more with with foreigners. And that’s always an interesting thing to see, because you’ll still see people who have down here 30 years and never tried to speak Spanish a day in their life. So, there’s just very interesting things that we’ll see with immigrants.

Mike Blake: [00:29:23] It is remarkable. You know, I lived in former Soviet Union for a number of years. And, you know, I took a similar approach. I didn’t live in the rural area. I lived in the city. But I definitely limited my access to Americans because I thought that it just would be too easy to go back to that as a crutch and not assimilate. And that was going to impact my experience and, frankly, my ability to work in the country. And you’re right, it’s amazing how many people, rather than try to learn the language, go through what I think is a much more difficult exercise of trying to get by without learning the local language. But I guess it can be done.

Mike Blake: [00:30:06] So, let me ask, you’ve been there for five years. Do you feel like a native? And if so, how long did it take you before you felt like Costa Rica was really your home and maybe America even feels more like the foreign country now?

Maria Joyner: [00:30:21] So, that’s an interesting question, because the moment that I talked about earlier when I stepped off the shuttle at that farm, at that moment, I really felt that I had come home. It was just a really incredible moment. And I think moving down here, you know, maybe after a couple of months, that’s when I really started to be comfortable. I spoke Spanish before I moved here, but not fluent. I mean, like everybody, I took it in high school. I took a little more advanced than most people in high school. I mean, I got up to like Advanced Placement classes, but I hadn’t spoken in 15 years.

Maria Joyner: [00:30:55] And so, I did have a little bit of a head start coming down here because it wasn’t just present tense. I mean, I think Spanish has 21 different tenses. So, I had some background, but it’s still like – for example, to be in a restaurant with somebody and be listening to a conversation passively, that took years to happen. You know, it took years for me to be able to sit down and listen to a conversation without having to actively listen to every word and process it in my mind and go through that.

Maria Joyner: [00:31:23] So, from a language perspective, it’s a couple of years to really feel completely comfortable. To feel comfortable calling the telecommunication companies. To feel comfortable talking to somebody about business ideas in Spanish instead of English. So, that took a couple of years. As far as feeling like whether I’m at home, I totally feel that I’m a foreigner in the United States when I go back now. I think the thing about Costa Rica that really is appealing to me, it’s the first place I’ve ever felt that I can be totally 100 percent myself. And it’s just an awesome feeling.

Mike Blake: [00:32:02] Well, it is. I mean, and that’s a great reason to move. You know, in America, we’re trained to think of people that come to the United States, because that’s our mythos. That’s sort of our thing. And then, there are people that don’t feel in place where they are. And so, they come or at least try to come to the United States to build that new life where they’re a better fit. But there are cases where, you know, Americans feel like they’re a better fit just in a different culture, a different environment. It certainly sounds like that’s been the case for you.

Maria Joyner: [00:32:34] Yeah. It’s funny, one of the times I went back to the United States a couple of years ago, we went over to visit some of my friends who have kids. And I was like, “Oh, my gosh. There is a tree in the backyard.” So, I climbed the tree and my boyfriend at the time came down, he was like, “Get down from that tree.” I’m like, “Why? It’s just a tree. I’m just climbing it.” He said, “You can’t do that here.” And it was just one of the first moments that I was like, “Wow.” Like, it’s just climbing a tree. Why is that such a big deal?

Maria Joyner: [00:33:01] But it just sort of made me realize that, you know, here, you can kind of just do what makes you happy. In the States, there is an image you have to maintain and certain things you do and certain things that you don’t that are expected by society. And I think those expectations are so much more embedded in us as a culture in the States. And I think that that is something that is really appealing to me here is, people are accepting of everybody.

Mike Blake: [00:33:29] So, you’re now with your new company, FounderScale. I’m curious, how has it mattered at all with your clients and prospects that you’re not inside the United States? That you are, in fact, located working out and just sit tight there in Costa Rica?

Maria Joyner: [00:33:53] So, when I first moved down here – so one of the clients I currently have, I have been working with since 2015. And he has been totally understanding of the internet problems. And it’s been a great working relationship. One of the clients that I had when I moved down here, they were fairly stressed with the internet issues. I got a lot of pressure from them to move to the city and try to find somewhere that had better internet. And I think that one of the benefits of consulting for so many years is, it becomes really easy to know the red flags and be aware of the questions that could cause friction after a contract sign and avoid that.

Maria Joyner: [00:34:36] So, you know, I’m very open and upfront with clients when I talk to them. Even though I do have great internet, I mean, there’s power outages here. I mean, there’s plenty of things that are out of control in a way that maybe wouldn’t be out of control in the States. And so, I’m very upfront with clients and I let them know, “Okay. I don’t always have great internet. Sometimes we may not be able to connect via video. Sometimes we may not be able to connect at all.” So, I allow those expectations, but then I kind of go a step further now and I’m like, “Hey, I may be out two hours a day going on a hike or may be out two hours a day surfing.” Just so there’s an expectation that I’m not always available. So, that’s just not an expectation. And so, living here has helped really identify, like, what my clients need to know to feel that they can always contact me.

Maria Joyner: [00:35:31] But more than all of that, accept you’re really freaking awesome work all the time. And then, my location is never an issue. Like, that’s really the secret. I think so many people come to Costa Rica and they ask me, “How do you make it work? Like, how do you get clients? How do you stay here?” And I mean, getting clients, fortunately, I have a great network in Atlanta that has just worked through referrals since I moved down here. So, that has been a blessing. But keeping clients is just doing awesome work. And if you do awesome work, no matter where you are, the client really isn’t going to care about your location.

Maria Joyner: [00:36:06] You know, I think that’s right. You know, I think, really, the big issue is not that your remote, it’s just you happen to be in a place where the internet is not all that – at least was not all that reliable. If you’d have that same issue saying – I’m doing a picking – let’s say, Fort Wayne, Indiana, you still have that same issue. Right? So, it was just the infrastructure. But what’s kind of interesting is that sounds like it – and maybe I’m putting words in your mouth, so feel free to tell me to fly a kite, but it sounds like in a way it forced you to confront what is the ideal client. And really force them and forcing yourself sort of a discipline of the right client to take. If it’s a client that just needs me to be available 24/7 with 99.9 percent of time, that’s just not the client that you’re going to serve. And I suspect you didn’t move to Costa Rica just so you could bring that stress level down there with you, right?

Maria Joyner: [00:37:03] Yeah. That’s absolutely right. And right now, I am working with a client that is the best line of workers in my entire career. And I look at this and I’m like, this is sort of pinnacle because, you know, it’s taken years to get here. And I think the other big thing, too, with working remote is overcommunication. And this is something that I’ve been working with for the past five years. So, over communicating everything.

Maria Joyner: [00:37:29] And, now, ever since COVID started, I’ve felt like I’ve been at a competitive advantage because I’ve already been doing this for five years. When COVID started, everyone’s like, “Oh, no. We’ve got to go work from home.” And they’re working through the issues of how to communicate. Because it’s a lot more difficult when you can’t just walk up to someone’s desk. Or someone is like, “Talk to me when I’m not busy.” We lose that now that we’re working remote. And so, I think that I’m kind of a competitive advantage from the communication perspective. But I think that any client you want to work with anywhere, I think it really comes down to communication, and clarity in communication, and clarity in expectations.

Mike Blake: [00:38:10] Yeah. I think that’s right. I mean, as it happens, I’ve effectively worked from home most of the time at least for ten years. And, at the end of the day, for most companies, if you’re performing – as I like to say, if you’re throwing up the numbers because I’m a finance guy – if you’re throwing out the numbers, nobody cares where you are. People are going to start to care about that if you’re not throwing out the numbers. Like the smart company says and one of the companies I work for, Arpeggio, was smart about this. They said, “Look, this is not what we would advise our other employees to do, but it seems to work for you and we’re not going to get in the way of it. So, you go, do you.”

Mike Blake: [00:38:48] And I think one thing that does give people, like you and me, that advantage, because we’ve been working remotely as a matter of course for so long is, we do have those more advanced sensibilities and communication skills. And we know what’s going wrong when our microphone doesn’t work, our camera doesn’t work, because we’ve had to do that when it wasn’t nearly as easy to fix, for one. And, you know, clients have come to accept that – you know, they’ve come to realize that the in-person contact doesn’t matter. And we’ve also had to build better management systems. A lot of managers can outwork their mistakes by “managing by walking around”. You go around, you fix things. That’s also micromanagement. You manage after the fact. Not before. You cannot do that now. If you try to manage that way now, you will get killed.

Maria Joyner: [00:39:48] Yeah. Yeah. That’s so true. And I think you bring up a really good point, too, when you were talking about identifying the right people to work with. That’s another factor that I always look out for, is the micromanager questions – or the micromanagement questions, because that’s another red flag for, I guess, for being an employee, too, not just the contractor.

Mike Blake: [00:40:13] Yeah. I think that’s right. I manage a team of three, and one is across town Atlanta, a couple of them are in Ohio. And, you know, I can’t go to their desk and look over their shoulder and make sure things are being done right. But at the end of the day, it’s about better management. So, I’m curious, you know, we’re working in Costa Rica, living in Costa Rica, have you picked up any local clients or is that even a realistic possibility where you are?

Maria Joyner: [00:40:42] So, that’s definitely on the roadmap. So, one of the technologies we heavily focus on is HubSpot. And we help companies better utilize that technology to generate revenue. And so, I’m in the process of building a team here right now. But as far as signing local clients, we haven’t started going down that road yet for a couple of reasons. One, the price point is very different for a client. I mean, this is actually an assumption. So, I should validate this before saying it. But my assumption would be that the price point a U.S. based client would pay would be very different to the price point a Costa Rica based client would pay. I could be wrong, but I think that would be my assumption.

Maria Joyner: [00:41:32] And then, two, one of the things that I’ve seen is most of the business in Costa Rica really does happen in the city. So, for example, there is chapter of entrepreneur’s organization down here that I was looking to get plugged into. And I mean, everybody who participates is really in the city. So, I think that, that in itself, could be a hindrance because I have no desire to travel to the city, not even for a quick trip. San Jose is about four hours from me. The last time I went, I went to go buy running shoes. Eight hour round trip to go buy running shoes. I would not want to do that trip on a monthly or even a bimonthly basis. So, I think that some of it is my reluctance to go to the city because I didn’t move down here to be in the city.

Maria Joyner: [00:42:16] And I guess the other side is just getting getting our team to a point where we can handle having international clients, because I would love to be able to work with Spanish versed clients versus English versed clients. So, that’s in the roadmap, but I don’t see that really manifesting for probably another year or so.

Mike Blake: [00:42:34] Okay. We’re talking with Maria Joyner of FounderScale, and the topic is, Should I become a digital nomad? So, a question I think that a lot of folks in your position must wrestle with is, how easy is it for you to get back to the United States if something happened that were a true emergency, maybe a family emergency or something? Is it hard to get back to the United States? Is that something that concerns you? Is that something you’ve had planned out? Where are you with that in your mind?

Maria Joyner: [00:43:04] So, fortunately, where I live, I’m an hour away from Liberia airport. So, there’s two airports in Costa Rica, there’s Liberia, which is in the North Pacific, and San Jose, which is in the central part of the country. And so, for COVID times, I mean, I’m sure things will be a little bit more complicated right now just because of the availability of flights. But in previous emergencies, for example, a couple of years ago, my grandfather, I found out he was being rushed to the hospital and I just had a feeling. And the next day I was on a plane. And so, it was very simple. I mean, if cost isn’t a problem, it’s pretty simple to get back to the United States. Right now with COVID, I know that the availability of flights is a concern. But, historically, it hasn’t been an issue to just drop and go.

Mike Blake: [00:43:54] Okay. What about access to health care? Have you had to use the local health care system? Has it been an issue for you?

Maria Joyner: [00:44:03] So, I had a child a year ago. And I live in an area where there are a lot of women with children. And most of them that were that are American immigrants, they opted to use a private hospital to have their child care birth, which you pay, I think, five grand for that. And so, I had the option of using free health care, because if you are a pregnant woman in Costa Rica, you’re protected by law. And you get taken care of, your baby is taken care of with no charge. And so, I used the public health care system and my experience was great.

Maria Joyner: [00:44:41] I look at things like giving birth. People have been doing that for thousands and thousands and thousands of years. It’s not like it’s some super specific surgery or something.

Maria Joyner: [00:44:51] Right. You’re not growing a new limb.

Maria Joyner: [00:44:52] Exactly. And so, I had a lot of faith in the system and I had a great experience. But some of the things that my American friends who are having children were asking did you get this test or did you get that test, or did they tell you this, did they tell you that. I think the availability of information, the availability of tests, and a lot of the things that we may have in the United States being a first world, that stuff is here, but not necessarily available in the public health care system.

Maria Joyner: [00:45:19] But, honestly, for me, I wasn’t bombarded with all the different things that were medically available to me and we just focus on the basics. So, I had a great experience. I mean, I found some of the check ups to be a little redundant. They’d ask the same questions in every checkup. So, I guess they did in the States, you know, that I’m thinking about it. They always ask the same questions.

Mike Blake: [00:45:40] Yeah. I don’t think that’s unique to Costa Rica.

Maria Joyner: [00:45:43] Yeah. No. But I’ve had good experiences with it. And I’ve also had emergency experiences with the health care system. And it’s all been great for me. So, I feel fairly confident that staying here long term that I’ll be taking care of.

Mike Blake: [00:46:04] What about taxes? I’m not trying to get into a specific situation, to your specific situation, of course. But I’m curious, do you have to pay taxes both in the U.S. and Costa Rica? Does one offset the other? How has that worked for you?

Maria Joyner: [00:46:18] So, my company is U.S based, my clients are U.S based, and I don’t own any land in Costa Rica right now, so all of my taxes I pay are in the United States as of right now. In the event that I open a bank account here or that I buy land here, I will – well, if I open a bank account here, I think legally I have to report that money to the United States and there is some foreign exclusion or foreign income exclusion. However, my income is in the United States, so I haven’t gone that route. And the other upcoming event that would require me to pay taxes in Costa Rica would be buying property here, because there are property taxes. So, right now, it’s just United States.

Mike Blake: [00:47:04] Okay. And that explains why you’re going to the bank a lot. I remember when I lived in Minsk and I’d be paid in dollars, and somebody have to wire it over a correspondence bank, and then actually physically go pick up my cash. I don’t know if that works exactly that way for you. But I’m familiar with those bank trips.

Maria Joyner: [00:47:21] Yeah. I think the big thing with the bank is, if I have to deposit money into a Costa Rican account here, the option is doing a wire transfer, it’s just a little too complicated to just do that for everyday transactions. And I guess that does add up. So, it’s just usually going in and making deposits in the bank. So, I still utilize all my U.S. Banks here. So, anybody who is listening to this that does want to be a digital nomad, there are two banks that I recommend.

Maria Joyner: [00:47:49] Charles Schwab has a high yield checking accounts that’s connected to a brokerage account and they refund all ATM fees. So, you’re going to be pulling out a lot of cash, at least, abroad. So, Charles Schwab refunds any fees charged by banks. And there are banks on here that charge $9. So, that really is a big help. And then, Capital One, they don’t refund the ATM fees, but their Capital One accounts, they don’t do foreign transaction fees. And it’s very simple to move money in between your accounts. And so, those are the two banks that I recommend people get before they come down here.

Maria Joyner: [00:48:26] I have friends who still use credit unions from the States who are living down here. And the monthly fees that they accumulate are in the thousands of dollars between foreign transaction fees and ATM fees.

Mike Blake: [00:48:38] We’re running out of time, but I want to sneak in a couple more questions before we let you go. And one, I’m curious now that you’ve been here for a good long time and, I mean, you’ve had such a life experience here from moving down here to getting married to having a baby. I mean, you’ve really been through it. If you had to do it all over again in terms of the process of moving down and getting yourself settled and integrated, is there anything that you’d do differently?

Maria Joyner: [00:49:03] So, I think that if I did anything differently, it would have drastically affected every part of my experience. But I will say that when I first moved down here, the first year-and-a-half, we tried doing a community style farm. So, we had two couples and then a couple other people living in one house, working on a farm together, growing our food, cooking meals together, and all of that. I would probably not do that again. That was a very challenging experience.

Maria Joyner: [00:49:37] But I really knew that I was down in Costa Rica for a reason. And because of that, because I felt like I knew that this is where I want to be, it was easy for me to go through very difficult experiences as part of that community living. Because I knew that these experiences were going to get me where I eventually needed to go. But that would be the big thing that I would change would be I probably wouldn’t have tried living doing the community living experiments.

Mike Blake: [00:50:05] Okay. Well, Maria, this has been great. And I think our listeners, if they’re thinking about the digital nomad life experience, I think there’s a lot they can learn from what you’ve described and discussed in this episode. If somebody has a question they want to follow up with that we haven’t touched on or didn’t go deep enough for them, is it oaky if they contact you? And if so, what’s the best way to do that?

Maria Joyner: [00:50:26] Yeah. For sure. I’d be happy to talk to anybody who is interested in Costa Rica or being a digital nomad, wven though I’m not too nomadic these days. I think the best way to contact me would be on Twitter, @mariajoyner is my handle, and that would be the best way to get a response.

Mike Blake: [00:50:44] Okay. Well, thank you so much. And that’s going to wrap it up for today’s program. I’d like to thank Maria Joyner so much for joining us and sharing her expertise with us.

Mike Blake: [00:50:54] We’ll be exploring a new topic each week, so please tune in so that when you’re faced with your next business decision, you have clear vision when making it. If you enjoy these podcasts, please consider leaving a review with your favorite podcast aggregator. It helps people find us so we can help them. Once again, this is Mike Blake. Our sponsor is Brady Ware & Company. And this has been the Decision Vision podcast.