American couple relocated to Italy and only spend about $1,246/month: ‘We don’t have a mortgage’
While living in the Czech Republic with her grandfather in 2020, Cassandra Tresl, 33, and her husband, Alex Ninman, 34, learned they were expecting their first child.
After welcoming their baby girl, the couple says they considered returning to the U.S. But when they started looking at how expensive it would be to buy a house and pay for child care, they decided to look to Italy instead, where Tresl had read about towns across the country selling one-euro homes.
“I really thought that if I had a kid, I would go back to the States. … And then it ended up not happening, because I realized how much more expensive it would be if we did go back,” Tresl tells CNBC Make It.
Before moving to the Czech Republic, the couple lived in New York City, where Tresl worked in operations at a tech company and Ninman was a butcher at Whole Foods. Even though it had always been the couple’s dream to live in the Big Apple, Tresl says the city’s hustle and bustle made her realize her career wasn’t the most important thing to her anymore.
“If we were going to stay in New York, I would have to continue growing my career,” Tresl says. But although she enjoyed her job, it “wasn’t what I thought about in my free time. Working at a tech company, I would see the people around me really into networking and I didn’t really care about that either.”
“I started questioning everything that was important to others and why it wasn’t important to me. I figured it just wasn’t the right environment for me,” she adds. That realization led her to ask to work remotely, allowing the couple to move abroad.
Tresl and Ninman aren’t alone in their desire to live outside of the U.S. About 1 in 5 Americans say they want to leave the U.S. permanently, according to a 2025 poll from Gallup. And in Italy specifically, the cost of living is 9.5% lower than in the U.S., according to Numbeo, which tracks global cost-of-living data.
Choosing a different path
In the late 2010s, towns across Italy gained attention for selling off deteriorating properties for 1 euro (about $1.05 USD at the time), with a goal of attracting foreign investors to buy the houses, rehab them and drive up the dwindling population numbers. Since dozens of towns announced these plans, hundreds of homes have sold, The Guardian reports.
Seeing stories of people buying up these homes inspired Tresl to start looking for a home in Italy herself, she says.
Tresl’s first step was to determine the actual cost of purchasing one of the one-euro homes, since they weren’t looking to spend more than 20,000 euros (about $23,627 USD) on the purchase price. Despite the marketing, buyers generally needed thousands of dollars or euros on hand for renovations, since most of the properties were dilapidated or had been abandoned for years.
In October 2021, the couple went on a house-hunting trip to Italy and viewed about 15 homes across Abruzzo and Tuscany.
“I’m a spreadsheet type of person, so I had all the pros and cons of all these houses and it came down to Abruzzo being a much better value in general,” Tresl says.
Considering their limited budget and the fact that Tresl knew they would need more money on hand for renovations, the couple settled on a two-floor, two-bedroom house just under 1,076 square feet. Tresl says they picked it for the price and the terrace view.
The couple closed on the house in February 2022 in an all-cash deal for 11,500 euros, or about $13,150 at the time, according to documents reviewed by CNBC Make It. They moved into the house in July 2022 and finished most of the renovations in the fall. They spent about $18,000 on the renovations.
The purchase price allowed the couple to buy the property outright, which “alleviated a lot of stress in multiple areas of my life,” Tresl says. “If my income fluctuates or money gets tight, at least we don’t have a mortgage and our family has a secure roof over our heads. This financial freedom was actually one of the main factors that made this move and decision possible.”
That financial freedom has allowed Tresl to step away from “a career I was never truly passionate about in the first place,” she says. Since moving to Italy permanently, Tresl left her tech job and started creating content for her travel blog and newsletter. She also works for another travel blogger as an operations manager.
“I’ve had the opportunity to be a little ‘reckless’ in a good way and start exploring my own ventures, creating multiple income streams that are fully mine,” she says.
Since moving, Tresl says the couple spends lot less day to day, partially due to the fact that they are in a small town versus a larger city.
“We genuinely want to respect the economic habits of our surroundings,” she says. “We don’t want to come into a place and inflate things with our spending, especially when salaries here are comparatively low, which is why things cost less. It feels important to be mindful of that and maintain some responsibility.”
Settling in Italy
In 2024, Tresl and Ninman acquired a second property in Italy, which they rent on Airbnb for up to 85 euros, or about $101, per night. Ninman left his job as a butcher when the couple moved out of the U.S., and now manages the Airbnb property.
Located in the countryside of their town, the single-story two-bedroom, one-bathroom house sits on its own land and has a private garden. The couple bought it for 17,000 euros, or about $20,083, according to documents reviewed by CNBC Make It. Tresl says she estimates they put another 10,000 euros into it during renovations.
In Italy, the couple only spends about $1,246 per month, including utilities and living expenses. Here’s a breakdown of their monthly expenses, according to documents reviewed by CNBC Make It. All figures are rounded.
- Groceries: 480 euros a month (about $567)
- Electricity: 217 euros (about $256) every two months
- Tresl’s gym membership: 115 euros (about $136) every three months
- Water: 91 euros (about $108) every two months
- Daughter’s gymnastics: 50 euros (about $59) per month
- Airbnb supplies: 50 euros (about $59) per month
- Daughter’s preschool: 40 euros (about $47) per month
- Internet: 12 euros (about $14) per month per house
In the winter, they also pay up to 200 euros a month, or about $237, per home for heat. Annually, the couple pays 286 euros, or about $338, per house for garbage pick up and about 61 euros, or around $72, in property taxes for each house.
The couple’s rental property brings in between 8,000 and 10,000 euros, or $9,486 to $12,000, a year, Tresl says.
“We earn the most money from it when someone decides to stay long-term, which happens quite often, where a couple or a small family works remotely and will rent the house for three to six weeks at a time,” she adds.
Since they clean and maintain the rental property themselves, Tresl says their only monthly expenses for the Airbnb are utilities, including electricity, Wi-Fi and heat during the winter. Annually, they also cover property taxes and garbage pick up.
Instead of being surrounded by the hustle and bustle of New York City, Tresl’s life in Italy involves walking her daughter to school and working from home. She goes to the gym in the afternoon. On Fridays, Tresl and her daughter go to an archery class. On weekends, the family likes to do what Tresl calls “urban hiking,” or exploring different towns around Tuscany.
“The mentality here in Italy is so different because work really is not the most important thing,” she says. “The people have shown me that it’s OK to slow down and it’s something I’m still trying to adapt to.”
Conversions from euros to USD were done using the OANDA conversion rate of 1 euro to $1.18 USD on Feb. 17, 2026. All amounts are rounded to the nearest dollar.
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I’m a Harvard-trained psychologist who worked with 1,000 kids: Why so many children are struggling today
If you’re thinking it’s tougher to be a kid these days, you’re right. Sky-high rates of depression, anxiety, and chronic school absenteeism tell us that all is not well. While Covid-19 didn’t help, these trends were in motion well before the pandemic.
After working with over 1,000 kids as a clinical child psychologist, I’ve found that these “signals” are best understood as distress responses. Kids communicate distress through their behavior, much like infants do when they’re hungry, tired, uncomfortable, or having trouble digesting food.
What are kids distressed about?
As I write in my new book, “The Kids Who Aren’t Okay,” a range of societal changes in the past few decades has made childhood today more difficult. This is not an exhaustive list, but several factors stand out:
- School shootings: There have been more than 400 since Columbine, creating a persistent backdrop of fear and anxiety for students, educators, and parents alike.
- High-stakes testing: For years, educators have warned that forcing every student to clear the same academic bar, while tying teacher evaluations and job security to those outcomes, ignores developmental differences among children. A more effective approach measures progress relative to each student’s starting point and meets kids where they are.
- Social media and smartphones: At best, they’re a distraction in school. At worst, excessive use can harm mental health. Today’s kids are exposed to the world’s darkest content at far younger ages than previous generations.
- A shortage of mental health providers: In many parts of the U.S., children can’t access care. Long waiting lists are common, and kids in crisis may remain stuck in emergency rooms for days, weeks, or even months.
- Political polarization: The most divided political climate since the Civil War doesn’t stop at adults. Kids absorb it, too.
We must rethink mental health
In 1960, psychiatrist Thomas Szasz argued that mental illness is better understood as “problems in living.” While diagnoses can describe how a child is struggling, they often don’t explain why.
Viewing kids’ challenges as problems in living shifts the focus toward identifying what’s causing distress, and fixing it.
Some of the forces affecting kids today are macro issues beyond the control of individual parents and educators. But caregivers can still address the “micro” problems shaping a child’s daily life, including:
- Peer conflicts, bullying or social isolation
- Academic struggles or unresolved learning difficulties
- Family disagreements over screen time, sleep, hygiene, diet or substance use
What does effective problem-solving look like?
Helping kids requires a different approach than the one many adults were raised with. Here are a few tips to consider:
1. Make it collaborative, not unilateral
Imposing solutions without input may feel efficient, but it rarely works. Kids are far more invested in solutions they help create. Collaboration also strengthens relationships and communication.
Notably, kids often say adults don’t listen to them, while adults say kids won’t talk to them. All those unilateral solutions take their toll.
2. Be proactive, not reactive
The best time to solve a problem with a kid is not when the problem comes up again. Problems are predictable, so they can be identified and solved proactively.
3. Don’t focus on distress responses (behaviors), but rather the problems that are causing those behaviors
Kids are simply far more likely to talk about problems they’re struggling with than their behaviors.
4. Consequences aren’t good solutions
Rewarding and punishing are motivational strategies, not problem-solving strategies. Consequences aren’t an effective, durable way to treat depression, anxiety, concerning behavior, suicidality, or chronic school absenteeism.
Caregivers are better off recognizing that kids generally want to do well. So what they need isn’t more motivation, but adults who listen, understand and partner with them to solve the problems getting in their way.
When the old parenting playbooks fall short
If power-and-control parenting worked for you, that’s fine. But your child is not you.
The kids who struggle the most have often experienced more punishment than many adults will encounter in a lifetime. After four decades of working with children and families, my experience is clear: Power and control approaches usually make things worse. If something isn’t working, don’t do more of the same. Do something different.
Ross W. Greene, PhD, is a clinical child psychologist and the author of ”The Kids Who Aren’t Okay: The Urgent Case for Reimagining Support, Belonging, and Hope in Schools.” He served on the faculty at Harvard Medical School for over 20 years, and is now adjunct Professor in the Department of Psychology at Virginia Tech, and in the Faculty of Science at The University of Technology Sydney in Australia.
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Look inside: Couple bought an abandoned fire station for $90,000, renovated it into their dream home
Growing up in Iowa, Steven and Ashley Evans knew all about the local fire station in Cedar Rapids because it was right by the high school they both attended.
“We always dreamed we’d live here one day. It went up for sale and we thought we’d come check it out,” Steven, 40, tells CNBC Make It. “When we tell people we live in an old firehouse, everyone around here knows exactly where it is and which one it is.”
The station was first built in 1960 and converted into a home by its previous owners in the 1980s. In 2016, when the Evans first saw it was for sale, listed for $125,000, it had been abandoned for years and was covered in black mold.
“We had no intentions of purchasing it because we didn’t have the finances at the time,” Ashley, 33, says.
In 2016, she was working as a dermatology nurse, and Steven had a job working with adults with special needs and owned six rental properties. They owned a house they paid $65,000 for, Ashley says, but “my parents actually had to cosign on the house because we just couldn’t afford it. … It was $550 a month, and we were just struggling.”
Still, they decided to take a look at the firehouse. Even when they had to sign waivers to enter because it was deemed a safety hazard due to the mold, they weren’t deterred.
“The thing that attracted me the most to the fire station would be the fact that it’s all concrete and steel. The bones were solid, the house was level; any other house would have fallen over easily by now,” Steven says.
Without letting Ashley know, Steven put in an offer of $90,000 and it was accepted. He came clean the next day — he says he wanted it to be a surprise to Ashley that he bought the fire station they used to always see by their high school.
Getting the fire station up to code
The property was listed as a four-bedroom, two-bathroom house with 3,100 square feet of space, but it turned out to be almost double that size since the listing only included the finished square footage, not the unfinished square footage, Steven says.
In order to finance the purchase, Steven applied for a construction loan of $170,000 under his rental property business, according to documents reviewed by CNBC Make It. The couple says they did it that way because their original plan was to renovate the fire station and resell it.
Steven says that because of all the work the property needed, they didn’t think they would ever be able to live in it. When the couple closed on the property in June 2016, it lacked walls, electricity or even a working toilet.
With an estimated budget of $80,000, the Evans started on the renovation, with Steven doing most of the work himself to save money. They rented out the house their parents cosigned with them and moved into the fire station while they renovated. Ashley’s parents even moved in with them to help pay the renovation-related bills.
Here are some of the biggest expenses the couple encountered while renovating. All amounts are rounded.
- Paint: $1,100
- Drywall: $4,000
- Flooring: $5,000
- Kitchen addition: $10,000
- Roof: $22,000
“Whatever we could find on clearance, whatever people wanted to give us, that is how we would remodel it. Just trying to make it look the best we can on the cheapest budget,” Ashley says.
“If it didn’t match, we’d spray paint it to match,” Steven adds.
Although the couple had to essentially remodel everything, they kept some original details from the fire station, including the old hose tower, the garage doors and a historic plaque outside. They kept the massive skylight the previous owners had installed to cover a courtyard that was originally part of the fire station as well.
To pay homage to the station’s history, the couple also bought an old fire truck to put in their backyard for their kids to play with.
The couple made the space their own by adding a theater room and a playroom for their kids that looks like a soccer field with fake turf.
“We had friends who had an indoor soccer field [growing up]. I always thought it was the coolest thing ever. I remembered it even as an adult, so I decided to create one down here,” Steven says.
Spreading roots around the fire station
In 2019, Steven and Ashley refinanced their original loan into a mortgage to officially purchase the home in their names. They secured a 5.5-year balloon mortgage for $225,000 at a 4.89% interest rate, with an estimated monthly payment of $1,455, according to documents reviewed by CNBC Make It. When the term ended in 2024, the couple refinanced into a new mortgage; now their monthly payment is around $3,190 and their interest rate is 7.59%.
The couple also remodeled their kitchen recently, which they financed with a home equity line of credit.
Here the monthly expenses related to the house:
- Electricity: $17.49
- Internet: $186.85
- HELOC for kitchen renovation: $423.65
- Utilities: $475.99
- Gas: $426.93
- Solar panels: $553.98
- Mortgage: $3,190.05
Since the couple started sharing what life is like in the fire station on social media years ago, viewers always ask if they will ever leave or sell the property, they say. But the couple says even if they ever move, they will never sell the fire station.
Instead, in 2020, Steven and Ashley bought the house next door for $180,000, according to documents reviewed by CNBC Make It. Ashley’s parents have taken ownership of the property, she says.
Last year, Ashley and Steven also bought another house near the fire station for $175,000. They call it their “cozy cottage” and have it listed on Airbnb for $160 to $189 a night. It is fully booked through March.
“We talk about what it would be like to live in a house that was already finished all the time … But also, I can’t imagine living in a house that was completely new and that we didn’t put any blood, sweat and tears into,” Ashley says.
“It’s a dream home for our kids to grow up in. And just for us to be so proud that we can provide for our kids to grow up in this home, it means a lot,” she adds.
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Self-made millionaire and money coach: ‘Time freedom’ is more important than retiring early
Andy Hill is coasting.
The 44-year-old and his wife have built up a net worth north of $1 million, and for now, neither plans to add another dollar to their long-term investments. Instead, they’ll let their money to continue to grow, secure in the knowledge that they’ll have enough to retire by the time they get there.
The strategy is known as “Coast FIRE,” a variation on a movement short for “financial independence, retire early.” In the early days of FIRE, many of its adherents pursued a straightforward objective: sock enough money away in investments to be able to leave your job and live off of distributions from your portfolio indefinitely.
In 2016, shortly after Hill began a side gig hosting the “Marriage Kids and Money” podcast, he began to do exactly that, insisting that he and his wife save as much as they could in order to retire as quickly as possible. The resulting friction over money landed them in couples therapy, Hill says.
Hill emerged with a new outlook on managing money as a couple — a philosophy he shares in his new book, “Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind.” The goal, he tells readers and clients of his financial coaching business, isn’t to get to the retirement finish line as soon as possible, but to secure your future while creating the freedom to spend on the things you value now.
How to pursue time freedom as a couple
That process, Hill says, with starts with encouraging couples to dream together rather than diving straight into numbers.
“Really most of the time should be spent on, what do I want out of my life? What do I desire for my dream life?” Hill says.
To narrow in on the answer, Hill urges couples to ask themselves some big questions, such as:
- If I got a $5 million check in my mailbox tomorrow, and I didn’t have to worry about money anymore, what would I stop doing immediately?
- What am I constantly worried about, and what can I do with my money to help me eliminate those worries?
Getting to the bottom of these questions as a couple can give you a roadmap of where to put your money first, says Hill. If your biggest worry is losing your job and losing your home, for instance, you might focus your joint financial energies on paying down your mortgage, he says. If your biggest dream with a windfall is guilt-free travel, you might prioritize building a vacation fund.
“It’s about starting from that position of dreaming and then sharing those dreams with your spouse, asking them to do the same, so that you can come together for some cool family goals that work for both of you,” Hill says.
For Hill, and for many of the couples he works with, the ultimate goal is what he calls “time freedom.” After putting enough money in your investment accounts to “coast” to retirement — an amount that requires some future projection that’s worth discussing with a financial professional — you can use money you would have been socking away to enrich your life, either by spending more on things you want or by effectively buying back your time.
“Do we want to inflate our lifestyle and just have more fun, or do we both want to work less?” Hill says.
Hill and his wife have taken the latter approach, using their financial flexibility to scale back at work. Hill’s wife left a job in marketing to return to school and now works part-time as an esthetician. Hill went into business for himself full-time in 2019.
“The year I left my corporate career, I was making around $180,000 per year working 40 to 50 hours per week,” he says. “This year, I’m paying myself $100,000 working 20 to 25 hours per week.”
Couples with this kind of extra time can use it to be more present parents and partners, focus on their health, care for aging parents and devote more time to hobbies and passions, Hill says.
“There’s so many other things that you can do with your life besides working,” he says.
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How this 32-year-old New Yorker turned her love of dogs into a dream career: ‘I’m making a bigger impact’
When I was in college, in between my English and creative writing classes, I would race a few blocks downtown to volunteer at an animal shelter on the east side of Manhattan.
Getting lost in books and spending time with shelter dogs were the twin pillars that held together the chaos of my twenties, and what kept me sane and motivated day after day. The north star of my career has been telling stories about animals in need.
My first job out of college was working for a dog photographer. I followed him around New York City, and then the country, and then the world, helping to carry camera equipment and making notes of all the dogs we met that day. I didn’t make good money, but I loved it.
After seven years, I was unexpectedly let go.
It was the eve of my 30th birthday, and I was suddenly without a job. I had two options: I could find another position, or I could try to make it on my own. The choice, for me, was simple. I had to at least try to make a name for myself, doing what I loved most, which was helping dogs.
Sharing my foster dogs with the world
This upheaval all coincided with me moving into a new apartment with my now-fiancé, Jacob, and our special needs rescue dog, Simon.
This apartment was special because after living in seven New York City apartments, I had a backyard for the first time. I had fostered some dogs over the years, but with a big yard and a rare dog-loving landlord, I decided it was a great time to really lean into it again.
We welcomed our first foster, a Heeler mix named Ken, a few months after moving into the new apartment. On our way to pick him up, I handed Jacob my phone and asked him to take a video of me. I had an Instagram audience of about 50,000 followers, where I posted videos about my dog.
But I decided that I wanted to highlight the process of fostering, every step of the way. I wanted to show people exactly how it was done, so it wouldn’t be so intimidating for people who might want to try it themselves.
I spoke to the camera and explained what we were doing in the sweltering subway tunnels, my excitement and nervousness bubbling off me. We recorded the entire thing: Ken coming off the transport van, bringing him back to our apartment, and introducing him to Simon.
Afterwards, I edited the clips together and posted it to Instagram and TikTok. Miraculously, for whatever reason, people loved it. The video blew up. On TikTok it got 257,000 views, 27,000 likes, and over 500 comments.
I was in shock by how people responded to it, and the immediate emotional connection these strangers on the internet felt with Ken. So I continued: a video of us giving Ken a bath, a video of Ken playing with Simon, a video of Ken chasing bubbles I blew for him in the backyard. And, finally, a video of Ken getting adopted by his new mom.
The magic of seeing a dog be loved for the first time
Over the week that we had Ken, my audience grew. People wanted to see his journey, and the process of fostering a dog in New York City. But, more than anything, I think people wanted to see a happy, feel-good story play out in front of their eyes, to feel a piece of magic that happens when a dog is loved for the very first time.
After that first foster, I decided to focus on fostering primarily medical and behavioral cases. Simon has struggled with idiopathic epilepsy his entire life, and my experience caring for him completely shifted the way I interacted with the world and the level of patience I have.
Plus, most rescues and shelters cover all costs associated with fostering: supplies, food, and any medical procedures a dog might need, so the only thing I needed to sacrifice was my time and heart.
I wanted to tell the stories of the dogs who would otherwise be forgotten and show the world how incredible they are.
Since Ken, I have fostered nearly 30 difficult medical cases and found them all loving homes. I’ve raised over half a million dollars for animal welfare organizations. I’ve worked with brands like Toyota, Chewy, The Farmer’s Dog, and Williams Sonoma. I’ve grown my audience to over two million followers across platforms.
And, my greatest dream came true. I wrote a memoir called “Dogs, Boys, and Other Things I’ve Cried About,” and it will be published in the spring.
I feel like the luckiest person in the world to have made a career doing exactly what I’ve always dreamed of: helping dogs and telling stories. I have more freedom, I make more money, and I’m making a bigger impact.
My best advice for turning your passion into a career
My biggest advice for people who hope to make their passion their full-time job is to start small. Before I went out on my own, I did freelance content creation for a year and a half. I reached out to every dog brand I could think of and asked if they needed help creating content or managing their social media.
My biggest client was Adopt a Pet and Kinship, where I got to travel to shelters and highlight adoptable dogs. It wasn’t until it became unsustainable to work full time and do content creation that I actually stopped those jobs. But the connections I made absolutely helped forge my way as an independent creator.
Every day looks different for me: Some days I’m picking up a dog from the shelter and scrubbing feces off of them, some days I’m doing a photoshoot with my previous foster dogs for Oscar de la Renta, and some days I’m sitting in a coffee shop, hoping to meet my writing deadline on time.
What has become most apparent to me, through every foster dog and every journey I document, is that dogs are one of the greatest human connectors that we have.
They represent life, love, loss, joy, sadness, and living each day in the moment. They ground us, motivate us, and when you tell their stories, people can’t help but listen. Never in a million years did I think that telling my stories could turn into a career. But as I sit in my Brooklyn apartment with my rescue dog snoring at my feet, I am eternally grateful that it did.
Isabel Klee is a dog owner, writer and content creator. She shares her experiences rehabilitating foster dogs on social media @SimonSits. She lives Brooklyn with her fiancé, Jacob and her rescue dog, Simon. She is the author of the upcoming memoir ”Dogs, Boys, and Other Things I’ve Cried About.”
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