In this video, I sit down with Certified Financial Planner Tommy Sikes from @RetireinFrance (AmericantoFrance.com) to talk about the money stuff Americans really need to understand before retiring in France—especially taxes and healthcare. We dig into the US–France Tax Treaty and why it can be a massive advantage: for many retirees, US retirement income like 401(k)s and Social Security is taxed only in the United States. That’s the kind of detail that can completely change your budget assumptions, so I wanted you to hear it clearly from someone who does this professionally. We also get into the big unknown that’s coming with the 2026 PUMa healthcare reform. The short version: non‑EU retirees may have to pay a new mandatory annual contribution to access French public healthcare, and the exact numbers and rules still have some ambiguity. Tommy and I talk through how to plan for that uncertainty so you’re not caught off guard. And because retiring well in France isn’t just spreadsheets, we also cover practical life stuff: why you need to take French seriously, why working on a VLS‑TS can be risky, and how people are actually finding long‑term housing—yes, including guarantor services like GarantMe.