I think many return to the states for medical care. I am not sure what accounts for residency. I see people at the Mailbox in Simpson Bay picking up their mail, that's different. Banks are different than the states, sometimes very long lines to get in. I would be concerned about (1) Social Security income and Medicare and all that entails; and (2) how does the incoming country (SXM) tax your retirement income. Maybe have a small apartment to return to in the states for any medical appointments you need. I thought it was Dutch side no property taxes, French side does, but I am sure that's always up for discussion. If you buy a home on the French side and it comes with 4 employees, they are now your employees, they come with the house. For me, the island would feel claustrophobic after awhile, and so little greenery.