Summit, NJ vs Morrisburg, Ontario

Morrisburg is a tiny, safe, and cheap place to park yourself if you crave quiet and don't mind a two-thousand-person town. Rent is a steal, with a one-bedroom downtown at $1,100 a month and a three-bedroom outside the center at $1,300, but your total monthly burn still hits $2,300 on the budget tier because everything else adds up. The expat scene is nearly nonexistent and winters can hit -30°C, so this is for hermits or retirees who value the 90/100 safety index over social life. You'll need a car and a tolerance for small-town pace, but the airport is only 7 km away if you need to escape.

Canada taxes hard: expect 33% federal plus up to 21.8% provincial, a real drag on FIRE math. A retirement visa exists, so retirees do have a potential entry path, though it's not always straightforward. But remote workers and digital nomads should look past this, given a 9/10 expat friendliness score and 379.96 Mbps average internet. A 1BR apartment averaging $1,304.56/mo confirms the tax hit is the real cost center here, not rent.