You want to leave.
They want to stay.

• A familiar situation: one partner sees where the EU is heading and wants a Plan B. The other has parents, a job and the kids’ friends in Slovakia/Czechia — and doesn’t want to move.
• The good news: a Plan B isn’t “all or nothing”. There are four scenarios with different degrees of exit from the system: A Paraguayan in reserve · A Paraguayan outside the system · Digital nomad · A Paraguayan in Paraguay — from a pure insurance policy to a new home.
• This talk: facts, numbers and legal paragraphs for families with kids.

• The educator must hold a master’s degree in teaching for the given school level — being a parent isn’t enough, you need a “guarantor” with a diploma (§ 24 of Act No. 245/2008 Coll.)
• The child stays enrolled at a base school — the principal grants the permission, the school tests the child every six months and issues the report card. The parent bears all costs.
• Grades 5–9 only allowed since 1 Jan 2022 (amendment No. 415/2021 Coll.) — until then only first- to fourth-graders could learn at home.
• A 2026 amendment eases things slightly (portfolio, a single examiner, multi-year permission; examinations now in person only) — but the teaching-diploma requirement stays.

• Grades 1–5: maturita is enough. Grades 6–9: any university degree (doesn’t have to be in teaching) (§ 41 of Act No. 561/2004 Coll.)
• The school principal grants the permission — you need “serious grounds”, a counselling-centre opinion and half-yearly testing. The permission can be revoked at any time.
• Interest is breaking records — thousands of kids, growing community schools. The demand for educational freedom is there; the system just won’t let it loose.

Uruguay: on 30 Jul 2025 an appeals court upheld the right of Mennonite families to educate 11 children at home (Art. 68 of the constitution — libertad de enseñanza); ANEP filed a cassation appeal with the Supreme Court — no decision as of 7/2026. Paraguay: education is formally compulsory, but homeschooling is unregulated and not enforced against foreigners. Germany/Sweden: families emigrate over homeschooling from Western Europe too (Austria, Åland, Prague).

Staple foods for kids are 30–50% cheaper in Asunción. The exceptions: imported temperate-climate fruit (apples) and salt — landlocked Paraguay imports it. Tropical fruit, on the other hand, costs pennies, and beef is a third cheaper.

≈ €2,460 in Asunción buys the same standard of living as ≈ €4,300 in Bratislava or ≈ €4,530 in Prague. Bonus: 10/10/10 taxes (income tax, VAT, corporate tax) — and only on local income; foreign income isn’t taxed at all.

Montevideo is repeatedly rated the most gay-friendly city in Latin America. For LGBT couples with kids, Uruguay is the only real option among these countries.

• Disaster, war, pandemic — whoever had a second residency in 2020 could legally travel “home” during the lockdowns. Everyone else couldn’t leave their own district.
• Why Paraguay: residency with no obligations — no taxes or contributions without local income, no investment or deposit, 1 trip, works for kids too. Panama can do something similar, but with more friction (4 visits, a 5,000 USD deposit).
• You buy insurance when you don’t need it. Once the fire starts, it’s usually too late — offices get swamped and rules tighten.
• It covers the whole family including kids — and the kids are exactly why to sort out Plan B today.

• Cédula (Paraguayan ID): applied for in person — with the express service on the very day you apply for temporary or permanent residency. Once issued, we can collect it under a power of attorney — no need to fly back for it.
• From 6 Jul 2026, permanent-residency applicants must prove economic solvency (Resolution DNM 407/2026, 12 categories) — a diploma alone no longer suffices; you need real, verifiable activity.
• No 183-day requirement — you don’t have to live there a single day a year. Tax residency is a bonus, not an obligation.

• Minors apply together with their parents — the only extras are apostilled birth certificates and both parents’ signatures. They get the same residency and cédula.
• Kids don’t have to live in Paraguay — the same rules apply to them: 1 entry per year (temporary), 1 entry per 3 years (permanent).
• The result: the whole family has an open door. If anything goes wrong in Europe, the kids have a ready-made legal status in a neutral country on the other side of the world.
• Family maths: a family of 2+2 ≈ 8–20 thousand USD one-off. An insurance policy for your whole life — roughly the price of one year’s tuition at a Bratislava international school.

• Good news for adults: Uruguay now grants permanent residency directly and doesn’t check whether you actually live there — no need to wait in the country. A paper residency in reserve is possible for an individual.
• The catch is the kids: if the whole family wants residency, the kids must actually attend school in Uruguay or be physically homeschooled there. “Remote homeschooling from Europe” doesn’t exist.
• So for families with kids, Uruguay doesn’t work as a backup — only Paraguay can assemble a Plan B for the whole family including kids this way (and Panama, with more friction).
• Key recommendation: get your residency now, as an adult — you can add it for your children easily at any point in the future, on nothing more than their birth certificate.
• Uruguay is a Plan A: a great country for actually living — and the only option for LGBT families. You just genuinely have to move there with the kids.

• Friendly Nations Visa (both SK and CZ qualify): an employment contract with a company we set up for you — no investment. Alternatives: real estate or a 200,000 USD deposit. First a 2-year provisional residency, then permanent — ~3 years in total (2+2 visits).
• Qualified Investor: real estate from 300,000 USD (rising to 500,000 on 15 Oct 2026) — permanent residency immediately, ~30–90 days, can even be started remotely via power of attorney.
• Maintenance: 1 visit every 2 years — residency lapses only after 2 years of absence (restorable for up to 6 years).
• Kids come as dependants with no residence requirement — a family application does, however, require a local account with a 5,000 USD deposit (Paraguay and Uruguay don’t).
• A plus for families: the application is filed for the whole family at once, so the process comes out cheaper than in Paraguay or Uruguay, where each person pays separately.

• Family doesn’t want to leave? It doesn’t have to. This mode works in one place — in SK/CZ.
• Step 1: cancel your permanent residency. A Slovak/Czech citizen doesn’t need registered permanent residency to live in their own country — it’s a register entry, not a permit to live. Deregistration is done while you wait.
• Step 2: Paraguayan residency as your official address to the world (banks, authorities, documents) — exactly the scenario A procedure, arrives in 3–4 months. The whole transition fits into one quarter.
• Step 3: no official personal income — living off savings and crypto loans. That’s why it doesn’t matter that you spend most of the year in SK/CZ and are a tax resident there: a resident with no income pays no tax. Your companies can keep earning normally.
• Honestly: it works fully when neither partner needs an employment contract in SK/CZ — an employee stays in the system through their job. But it can be combined: one in the system, one outside.

• Permanent residency “is of a registration nature” — a literal quote from § 3(3) of Act No. 253/1998 Coll. Deregistering when leaving for abroad is a routine act (§ 6, works via an embassy too), and the constitution (Art. 23) guarantees a citizen cannot be expelled from their homeland. Deregistration doesn’t touch real-estate ownership at all — residency neither creates nor cancels any right to a building.
• Public health insurance is tied to permanent residency (§ 3 of Act No. 580/2004 Coll.) — with no residency and no employment in Slovakia, the obligation ends. In Czechia, insurance “ends upon termination of permanent residency” explicitly (§ 3(2) of Act No. 48/1997 Coll.).
• You remain a tax resident (183+ days, § 2 of Act No. 595/2003 Coll.) — but “credits and loans are not subject to tax” (§ 3(2)(b)). Same in Czechia (§ 3(4) of Act No. 586/1992 Coll.). A resident with no income = zero tax, entirely legal.
• To be fair: no public insurance also means no claim to public care — private insurance isn’t an optional add-on but a recommended precondition for entering this mode.

Drawing a loan is not a taxable event — you receive someone else’s money and give it back. The bitcoin stays yours. The “buy-borrow-die” strategy the rich use with stocks works with BTC too. And a bear market? At 30% LTV it takes a ~60% BTC crash to liquidate the position — hence the recommended 25–35% LTV and a reserve for topping up collateral. Alternatives: Nexo (CeFi), Spark (DeFi). No crypto to post as collateral, but a working company? Your company can lend to you directly — or lend you BTC, against which you take out a crypto loan.

Slovakia has no holding-period exemption (the “7% after a year of holding” rule was repealed before it took effect, Act 530/2023); Czechia exempts sales after 3 years of holding, capped at CZK 40M/year (Act 32/2025 Coll.). A Paraguayan outside the system would pay only the tax on a sale — contributions don’t apply to him. Watch out for collateral liquidation, swaps and exchange-rate differences.

• With no permanent residency and no income in Slovakia, mandatory public insurance ends (Act No. 580/2004 Coll.) — what you pay today “isn’t insurance, it’s a health tax”. This applies to kids too (currently insured by the state) — hence a family package for everyone.
• Minimum contributions 2026: €121.92 a month per adult (the rate rose to 16%) ≈ €2,926/year for two adults — with no contract on the scope of coverage whatsoever.
• Global family insurance: I use William Russell — a family of 2+2 from ~4,600 USD/year (Bronze) to ~8,400 USD/year (Silver, no outpatient-care limit), coverage in both Europe and Latin America, private hospitals, a clear contract.
• A fair warning: with a serious diagnosis no private insurer will cover you anymore — switch to a private global health insurer while you’re healthy. (Returning to the public system, by contrast, is possible anytime — it must insure you by law.)

• Driving licence: Paraguayan. Without residency the EU won’t issue you one (the 185-day rule, Directive 2006/126/EC); the Paraguayan one works via the 1949 Geneva Convention — in Germany with a certified translation or an international driving permit.
• Banking: accounts outside the EU — Georgian TBC bank, Kyrgyz non-CRS Aiyl bank — or simply Bitcoin/Lightning and cash.
• Mobile: anonymous eSIMs — MobiMatter, Bitrefill, Silent.Link, GlobalYo — or Paraguayan Personal: 80 GB of EU roaming for 200,000 PYG (~€23).
• The other country (SK ↔ CZ): at home, citizens face no registration duty (reporting a temporary stay is a right, § 8 of Act 253/1998; Czechia has no such institute for citizens) — but as an EU citizen in the neighbouring country you do: SK after 3 months (§ 66 of Act 404/2011), CZ within 30 days (§ 93 of Act 326/1999). The clocks run from entry — an occasional trip across the border resets them.
• What you lose: a mortgage at a bank in the country of your citizenship (if you're an EU citizen), a firearms licence, municipal elections, child benefits and the child tax bonus (~€1,500–3,800/year with two kids). The saved taxes and contributions usually outweigh that several times over.

• Slovakia — a grey zone, not an exemption: attendance attaches to the child (§ 19 of Act 245/2008), but it’s enforced through the municipal register based on permanent residency (§ 6 of Act 596/2003) — a child with no residency doesn’t appear in it. Fine if caught: €30–331.
• The same goes for compulsory kindergarten for 5-year-olds (§ 28a) — both catchment and the register run on permanent residency.
• Czechia — careful, different logic: attendance applies to Czech citizens regardless of residency (the 90-day condition concerns foreigners). The legal route: § 38 schooling abroad, or § 41 individual home education — maturita is enough.
• Recommendation: school enrolment is possible even without permanent residency (habitual residence, § 20(5)) — this is about freedom of form, not kids without education. Add an umbrella school or legal homeschooling so the kids hold papers valid anywhere.

• The “outside the system” mode concerns the natural person — the company lives its own life: it invoices, employs, pays its own tax.
• In the EU, these make sense: Bulgaria 10%, Cyprus and Ireland 12.5%, Estonia (tax only when profit is paid out), Czechia’s flat tax for smaller profits.
• Outside the EU: a US LLC (disregarded entity), a UK LLP — little bureaucracy; with Paraguayan tax residency, effectively 0% total tax on foreign income.
• Careful: dividends paid to a natural person who is tax-resident in SK/CZ are taxed at home — so you leave profit in the company and cover personal spending with loans or savings.

• You never live anywhere more than 183 days a year — so no country’s stay creates tax residency for you. Your anchor stays the Paraguayan tax domicile with territorial taxation.
• Precondition: permanent residence in SK/CZ deregistered — in Slovakia a registered permanent residence is a standalone tax-residency criterion (§ 2 of Act 595/2003); in Czechia a maintained permanent home plays that role.
• The result: no taxes or contributions — except any local income in Paraguay (10%). Foreign income isn’t taxed anywhere.
• The key difference from scenario B: a nomad can have a normal official income — salaries, dividends, crypto sales — and only Paraguay taxes it, i.e. 0% on foreign sources. No need to live off just loans and savings.
• Watch the “centre of vital interests”: a flat, a company or family in one place can create residency even without 183 days — you have to actually travel, not just on paper.
• Tools to guard the days: nomadlist.com (warns you a month before the limit) and chrono.io (GPS record of your stays) — doubling as an evidence trail if a tax office ever asks.

• Education on the road: a foreign umbrella school + online platforms — the kids hold papers valid anywhere in the world and learn at their own pace. E.g. Clonlara, King's InterHigh, Wolsey Hall Oxford, Galileo (roughly 1–8k USD/child/yr); Czech kids: Škola Březová (§ 38).
• What the kids gain: foreign languages naturally and “for free”, friends all over the world, adaptability and a perspective no school desk can give.
• Let’s admit the flip side: demanding logistics, less stability and fewer long-term friendships — not every child and not every family handles it equally well.
• A hybrid works best: part of the year on the road, part at a “base” — say in Asunción with the CZ/SK community, or rotating favourite countries, always under 183 days.

• CZ/SK families with kids living in Paraguay long-term — not tourists, but people who use the schools, doctors and government offices there.
• What the group covers: experience with schools and kindergartens, joint events and trips, recommendations for doctors, lawyers, housing.
• Why it matters: families’ biggest fear isn’t bureaucracy, it’s loneliness. In Asunción that was solved long ago — you arrive into a ready-made community.
• The kids have friends who speak Slovak and Czech — a soft landing instead of culture shock.

Also: SEK International (Spanish-English, IB), St. Anne's School (IB, prestige), Colegio Del Sol (family approach). Even the priciest school in Asunción costs roughly a half to a third of a Bratislava or Prague international school (€15–30k/year depending on grade). Three-country context (PISA 2022, math): Uruguay 409 — the only one where state schools hold up (Plan Ceibal, tuition-free Udelar) · Panama 357 — state schools weak and strike-prone (2025: ~80 days lost), private ~300–900 USD/mo · Paraguay 338 — avoid state schools; private from ~150 USD/mo.

A consultation 15–50 USD · a family prepaid plan (medicina prepaga) ~150–350 USD/month · procedures 50–70% cheaper than in Western Europe, next-day appointments instead of weeks of waiting. Also: Sanatorio Italiano, Sanatorio San Roque. A nanny plus a complete family health plan in Asunción together cost less than the nanny alone in Bratislava.

A→B→C→D aren’t competitors but a ladder: backup → unplugging → travel → relocation. Each step can be taken once the family is ready — and the first step doesn’t hurt at all.

The most important argument: none of this is a “forever” decision. A Plan B is built step by step — and every step can be undone.