FIRE Number for Panama City, Panama

A frugal but genuinely livable Panama City life in El Cangrejo or Bella Vista — a furnished studio walkable to cafés, the Metro, and Vía España. Most meals are cooked at home from local-market produce, with an inexpensive fonda or café meal a few times a week, and getting around runs on the Metro and MetroBus for pocket change plus the occasional Uber. Health cover is an entry local private plan, enough for Panama's good private clinics. The entertainment is the free tropical city: causeway bike paths, Casco Viejo evenings, and Pacific breezes. Careful with the dollar-priced housing floor, but never bare — and no exchange-rate risk to manage.

An affluent early-retiree life in a prime tower along Avenida Balboa or in San Francisco, a furnished apartment with a bay or park view. Dining out is frequent — the city's best mid-range tables plus regular upscale dinners — and the grocery budget freely covers the imported and specialty goods that carry a premium here. Health cover is a strong comprehensive local plan, transport is mostly Uber, and the discretionary budget funds a premium gym, concerts, nightlife, and easy weekend escapes to Boquete or the islands. A polished, well-above-local standard of living in a dollarized capital.

Uncapped luxury at the top of Panama City — a waterfront penthouse in the Ocean Club or Grand Tower cluster of Punta Pacífica or a trophy Costa del Este address, with full-time resident staff and a private driver. Dining is near-daily at the city's finest tables, healthcare shifts to an international concierge plan with medical evacuation to the US, and the uncapped budget runs to yacht and marina access, VIP nightlife, first-class travel, and collecting. Utilities carry the full climate load of a whole-floor residence. This is Panama City at its most opulent: a Pacific-facing penthouse, resident staff, and the full sweep of the capital's luxury — with the territorial tax system preserving capital efficiently.