The long list

The questions Americans actually ask about moving to Europe.

Answered plainly, without the brochure gloss. Start with the move-to-Europe guide, then use this page for the detailed questions people ask us on calls.

16 questions · four themes · answered from real files

01 · Staying & status

Visas, time and passports

Can we work remotely for a US employer while living in Europe?

It depends on the country and the visa. Spain, Portugal, Greece and Italy now offer digital-nomad routes built exactly for this. Other permits, like France's visitor visa, prohibit French employment and leave US remote work in a gray zone. Do not build your life on a tolerated ambiguity; choose the route that makes your situation explicit. Read the remote-work guide.

Do we have to spend a minimum time in Europe to keep our residence permit?

Usually yes. Most permits expect the country to be your real base, and long absences can block renewals or a later permanent status. The other side matters too: enough presence can make you a tax resident, which must be planned, not discovered. The Blueprint sets your calendar around both thresholds. Start with the 90-day guide.

Is there a path to European citizenship?

Yes, but a European passport is earned through the right residence path, not bolted on later. Timelines vary by country and can run from about five years to a decade. If citizenship is part of the family's long game, we build the country, residence and tax sequence around it from day one.

Will living in Europe affect our US citizenship?

No. Holding a European residence permit, or even a second citizenship where allowed, does not touch your US citizenship. What follows you is the US tax system, which taxes citizens wherever they live. That is a filing reality to organize, not a reason to stay home.

02 · Money & taxes

Banks, mortgages and the IRS

Is it true European banks refuse American clients?

Some do, because US citizens create FATCA reporting duties for banks. It is a known, solvable problem: in every country we work in, specific banks accept American clients readily when the file arrives complete. Banking and FX setup is part of the Blueprint, so you are never improvising at the counter.

Do we still file US taxes after moving?

Yes, every year, wherever you live. Add the FBAR declaration once your foreign accounts exceed $10,000 in total. Filing is not the same as paying twice: treaties and credits usually prevent double taxation when the move is sequenced properly. EPO brings the expat-tax specialist in early and coordinates that work with the residence, banking and property timeline. Read the European tax residency guide.

Can Americans get a European mortgage?

Yes. French, Spanish and Portuguese banks lend to American buyers, typically financing 50 to 70 percent for non-residents, at rates that often surprise Americans pleasantly. FATCA narrows the list of willing lenders, so the work is knowing which banks say yes and preparing the file they expect.

What about the currency risk between dollars and euros?

On a property purchase, the exchange rate can move the real price by several percent between offer and closing. Forward contracts and staged transfers exist precisely for this, and they are arranged before you commit, not after. FX strategy is part of the Blueprint's banking work.

03 · Family & estate

Children, heirs and what you leave

How does inheritance work? We heard France forces you to leave assets to your children.

French law does reserve a share of an estate for children, but under the EU succession regulation you can generally elect the law of your US state to govern your estate, if your will says so correctly and in time. Estate taxes follow separate treaty rules. We put a cross-border estate specialist on this before you buy, not after.

What about schools for children or grandchildren?

Major European cities have established international and bilingual schools teaching in English, with tuition typically a fraction of comparable US private schools. Seats in the best ones are competitive and run on local calendars, so school applications are planned into the move timeline, not left to arrival.

Can we bring our pets?

Yes, and without quarantine in the countries we cover. A dog or cat needs a microchip, a rabies vaccination at least 21 days old, and a USDA-endorsed health certificate issued shortly before travel. Airlines add their own rules on crates and breeds, which is usually the harder constraint.

What happens to Social Security and Medicare?

Social Security follows you: payments continue to Americans living in Europe, by direct deposit. Medicare does not; it covers almost nothing outside the US. Your European residence route determines what replaces it, between public systems and private cover that typically costs far less than US premiums. The full retiree sequence is covered in the retire-in-Europe guide.

04 · Daily life

Language, driving and the move itself

We don't speak the language. How much of a problem is that?

For daily life in the cities Americans choose, very little. For the administration, a real one: notaries, tax offices, banks and contractors work in the local language and on local logic. That layer is exactly what a private office covers. Vetted local partners handle it in their own language while you stay in English.

Can we exchange our US driver's license?

It depends on your state. France exchanges licenses only with certain US states; move from the wrong one and you sit the French driving test, in French. Deadlines apply, often within the first year of residence. It is a small detail that ambushes many Americans, so we check it against your state early.

What does shipping our household to Europe involve?

A documented primary-residence move generally enters duty-free, provided the inventory and residence paperwork are done properly and within the country's window. Budget several months door to door for a full container. The paperwork, not the packing, is where moves go wrong, and it is coordinated as part of execution.

Should we rent first or buy right away?

The honest answer is: it depends on how well you already know the place. Renting six to twelve months buys certainty about the neighborhood and the winter. Buying early captures a market you already understand. This is exactly the kind of decision the Blueprint settles with evidence rather than instinct.

Planning risks

The questions that deserve their own file.

Some questions are too important for a short answer. These guides cover the moments where Americans usually need a coordinated plan before moving money, signing property documents or choosing a residence route.

Property

Property mistakes

Signing too early, overpaying, weak local diligence and owning a house without an operating layer.

Avoid the mistakes

Healthcare

Medicare in Europe

Why Medicare is not a European healthcare plan and how retirees should think about coverage.

Read the guide

Tax

US taxes abroad

US filing, local tax residency, treaty coordination and property timing for Americans.

Read the guide

Residence

Stay past 90 days

The Schengen limit, national long-stay routes, residence files and why the day count is not a life plan.

Read the guide

Remote work

Work from Europe

Digital nomad routes, visitor-status traps, employer risk and local tax exposure for Americans.

Read the guide

Banking

FBAR and FATCA

Foreign accounts, US reporting and why European banks treat American files differently.

Read the guide

France

French inheritance

Forced-heirship fears, US wills, succession law and property ownership before buying in France.

Read the guide

Timing

Rent before buying?

When renting first protects the family, and when buying immediately can be the right move.

Read the guide

Who to hire

Lawyer, agency or private office?

What each provider owns, how each is paid, and when an American household needs none of them.

Compare the three

Greece

Greece Golden Visa in 2026

Current thresholds, the short-term rental ban and whether the investment route still fits the plan.

Read the status

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