American Air Force Veteran Thrives Living in Ho Chi Minh City with $850 Rent

Mark Eisenberg
Photo: Finoracle.net

From Air Force Service to Vietnamese Expat

Markeiz Ryan, a 36-year-old American and former U.S. Air Force serviceman, found a new chapter in his life after visiting Vietnam during his military tenure. His initial trip, which left a lasting impression, motivated him to relocate permanently after completing his service in 2019. Ryan credits that first visit for lifting his depression and inspiring a lifestyle change. After an honorable discharge, he returned to the United States briefly but eventually moved to Ho Chi Minh City, Vietnam.

Living Comfortably in Ho Chi Minh City

Currently residing in a two-bedroom, one-bath apartment within one of Vietnam’s tallest residential towers, Ryan pays a monthly rent of $850. Utilities, including electricity, water, and housekeeping, add about $130 to his monthly expenses. He has lived in this apartment since 2023 and describes the panoramic city view as his favorite aspect of the space. Noise pollution initially led him to move frequently, but he has now settled comfortably.

Sustainable Income and a Balanced Life

Ryan’s monthly income of approximately $4,000 is derived from multiple streams: VA disability benefits, GI Bill funding as he pursues a master’s degree, English teaching, voiceover work, and day trading. Despite health challenges linked to his military service—including spine arthritis, respiratory issues, and mental health concerns—Ryan highlights that his income affords him a middle or even upper-middle-class lifestyle in Vietnam.

Adapting to Local Life and Environment

Ryan notes that the vibrant street life includes noise from honking, street vendors, and occasional loud karaoke, which can be challenging for those sensitive to noise. However, the affordable cost of living and dynamic culture outweigh these inconveniences for him.

A New Perspective on Work and Well-being

Reflecting on his life in the United States, Ryan describes a sense of financial frustration and lack of motivation. In contrast, living in Vietnam has alleviated monetary pressures and allowed him to focus on personal happiness and goals.
“Every day I wake up with a long to-do list of things I want to do, not the things that I need to do, and it’s a completely different way of living. Getting out of survival mode makes things infinitely more human.”
He emphasizes that even with a 40-hour workweek, the work feels like an investment in his future rather than mere survival.

Committed to Life in Vietnam

Ryan has no intention of leaving Vietnam unless forced to do so by external circumstances. He values the freedom and quality of life the country offers compared to his experiences in the U.S.

FinOracleAI — Market View

Markeiz Ryan’s experience underscores a growing trend among military veterans and remote workers seeking affordable, quality lifestyles abroad. Vietnam’s low cost of living and emerging urban infrastructure, such as high-rise residential towers, make it an attractive destination for expats.
  • Opportunities: Vietnam’s affordability supports sustainable expat living; growing digital economy enables remote income streams; expanding real estate market offers quality housing options.
  • Risks: Noise pollution and cultural adjustment challenges may deter some; healthcare access varies; geopolitical and regulatory changes could impact expat residency.
Impact: Ryan’s story highlights Vietnam’s potential as a viable relocation option for veterans and professionals seeking financial relief and enhanced quality of life, signaling positive momentum for the country’s expat housing and service sectors.
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Mark Eisenberg is a financial analyst and writer with over 15 years of experience in the finance industry. A graduate of the Wharton School of the University of Pennsylvania, Mark specializes in investment strategies, market analysis, and personal finance. His work has been featured in prominent publications like The Wall Street Journal, Bloomberg, and Forbes. Mark’s articles are known for their in-depth research, clear presentation, and actionable insights, making them highly valuable to readers seeking reliable financial advice. He stays updated on the latest trends and developments in the financial sector, regularly attending industry conferences and seminars. With a reputation for expertise, authoritativeness, and trustworthiness, Mark Eisenberg continues to contribute high-quality content that helps individuals and businesses make informed financial decisions.​⬤