Americans who moved abroad for a lavish lifestyle are facing major financial hurdles when moving back, according to a report. 

About 5.5 million Americans live abroad, according to the Association of Americans Resident Overseas, and many are 'digital nomads' - people who work remotely while living in other countries. 

Nino Trentinella is one of these 'nomads,' living in Tbilisi, Georgia, where she enjoys an upper-middle-class lifestyle.

Her luxuries include frequent cab rides, eating out often, and having a housekeeper visit twice a week, she told the New York Times.

Nino Trentinella earns under $40,000 a year as a freelance educator, while her husband reels in a mid five-figure salary. They profit from the foreign earned income exclusion. 

The first $130,000 in income earned by Americans working abroad, plus a portion of housing costs, is tax-free. 

On top of that, she pays about 1 percent in local taxes thanks to the country’s favorable tax rules for remote workers.

Trentinella is not the only American abroad enjoying a comfortable lifestyle, but while she and many others want to return home in the future, they quickly discovered they won’t be able to replicate the same lives in the US.

One of her concerns is healthcare, since she relied on insurance from France - where she and her partner lived briefly and where he is from - enjoying fast, low-cost, out-of-pocket services. 

Similar to Trentinella, Corey O'Flanagan is a video editor with a nomadic lifestyle, who shared his experience with the New York Times. 

O’Flanagan has lived nomadically for three years and, at 38, has a mid–six-figure retirement savings and a $50,000 emergency fund. 

O'Flanagan and his partner earn a low six-figure income and spend about $70,000 a year living across Southeast Asia, Southern Europe, and the Balkans, but he estimates that maintaining the same lifestyle would cost roughly $120,000 a year back in Denver. 

Touching upon the health insurance worry, O'Flanagan told the outlet that US health care 'really scares' him and his wife.

'My wife’s English, so it really scares her, and I’m learning how bad it is when I go to use health care systems in other countries.'

O'Flanagan gave an example to the news outlet of a time the pair paid $400 each for full health checkups in Malaysia. 

They received tests including urine and blood work, an ultrasound, and a long doctor visit, which could rack up to several thousand dollars in the United States. 

O’Flanagan shared how he stays within budget by spending more in cheaper countries like Malaysia, and less in expensive ones like Italy.

'I think eating out is a big thing — we don’t cook at home,' O’Flanagan told the outlet.

'I would say that 80 percent of what we do in America involves groceries, and we will eat out once in a while. When we’re in Southeast Asia, it almost makes more sense to eat out than it does to go buy groceries.'

James Stanley made a mere $15,000 a year while living in Mexico City during his remote career of teaching English online and writing articles to promote products.

Though this income wouldn’t be sustainable in his native Chicago, it afforded him a solid living in Mexico City. 

'I’m very minimalist — I don’t need that much to live,' Stanley told the Times.

He rented spacious rooms for $400 a month and spent under $10 a day on food, while regularly fueling his body with fruits and vegetables. 

Stanley said he maintained about $5,000 in savings but wasn’t building retirement funds and had no health insurance.

He enjoyed his life in Mexico, but worries about healthcare and long-term financial security grew as he aged. 

'The remote work wasn’t really cutting it,' Stanley told the outlet. 'I knew, sooner or later, I’m going to get into a situation where I have a serious health problem.'

After a back spasm left him bedridden for about a week, James Stanley moved back in with his parents in Chicago.

He is now studying for an insurance license to start a new career and hopes to return to Latin America later with more financial security.