Moving to Panama slashed an expat’s expenses. Here’s how much he pays for housing and bills for a family of 4.

• Mac Davidson, 46, moved from Canada to Panama for a warmer, cheaper lifestyle.
• He faced challenges adjusting to cultural differences and learning Spanish in Panama.
• Despite drawbacks, Davidson plans to retire in Panama, citing lower living costs.

Mac Davidson, 46, was done with the intense or email this reporter at nsheidlower@businessinsider.com.