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Understanding the Costs of Leaving: Love It or Leave It

The rusted Statue of Liberty stands behind a locked gate marked 'Exit Barred' and 'Danger No Access'.
If You Don’t Like It, Try Leaving | Granite State Report

If You Don’t Like It, Try Leaving

The State Department charges $450 to sign the renunciation papers. The IRS taxes you on the way out the door. The country you’d move to runs its own immigration vetting designed to keep people like you out. The “love it or leave it” crowd has never priced the exit — because the phrase only works when the listener doesn’t know what it actually costs.

About the author: Dexter Dow is the editor of Granite State Report and the author of Generational Malpractice, which examines how policy failures compound across generations — locking younger Americans out of the economic foundations their parents took for granted. Citizenship lock-in is the policy floor underneath all the others.

“If you don’t like it, you’re free to leave.” It is the most-repeated line in American political conversation, deployed any time a citizen voices criticism of the country’s direction. The speaker treats it as a closing argument, a mic-drop, the verbal equivalent of pointing at the door. They believe they have ended the discussion.

They have not. They have started a different one. The phrase is not an argument. It is a taunt that works only because the people repeating it have never priced the exit.

Six weeks ago, the U.S. State Department reduced the fee to formally renounce American citizenship from $2,350 to $450, the lowest it has been since 2010. The change took effect April 13, 2026, after a six-year legal battle led by the Association of Accidental Americans. Even at the new price, the fee is the smallest item on a longer bill. The IRS taxes wealthy renouncers on the way out the door. The country you’d move to runs an immigration vetting system designed to keep people like you out. And the United States is one of only two nations on Earth — the other is Eritrea — that tax their citizens on worldwide income for the rest of their lives, regardless of where they live.

The first question the “love it or leave it” line invites is the one nobody bothers to ask: by whose authority does the speaker presume to issue eviction notices to other Americans? The critic and the patriot are both citizens. Both pay taxes. Both vote, or don’t. If criticism of the country justifies expulsion, then so does criticism of the criticism. If you don’t like that someone doesn’t like it, you’re equally free to leave. The logic, taken at face value, expels everyone.

The second question is harder, and it is the one the bumper-sticker rhetoric quietly depends on its target being unable to answer: how does an American leave the United States? The answer is documented in State Department fee schedules, IRS publications, FATCA reporting rules, and the immigration codes of every country that vets its own arrivals. The answer is not “you just go.” Americans are not free to leave. They are conditionally free to leave, on terms set by the country they’re trying to exit and the country they’re trying to enter.

The Logic Cuts Both Ways

The flip is so obvious it should not require restatement, but it does, because nobody on the other side ever applies it. The premise of “love it or leave it” is coherent only if you assume the critic has no claim on the country. But they do. They were born in it, naturalized into it, or live in it under the same legal regime as the person telling them to leave. Their criticism is not an externality. It is the country’s own self-correction mechanism — the thing the First Amendment exists to protect, the thing that produced abolition, women’s suffrage, the Civil Rights Act, and every other expansion of American freedom the love-it crowd now claims as proof the country was always good.

A person who tells another citizen to leave because of their criticism is not defending the country. They are defending the country they imagine. And if the actual country — the one with the actual laws and the actual problems — is doing things they cannot tolerate hearing about, then by their own logic, they are the ones whose tolerance has failed. They are free to leave. They won’t, of course. They aren’t going anywhere. The bumper sticker only works one direction, because the person yelling it has not done the math on the other.

“Love it or leave it” is not an argument. It is a taunt that depends on the listener being unable to take the dare. Once you know what leaving actually costs, the phrase stops being patriotism and starts being something else.

The $450 Door

On April 13, 2026, the U.S. State Department’s final rule reducing the fee to renounce American citizenship from $2,350 to $450 took effect, published in the Federal Register on March 13. The cut came after a six-year legal battle led by the Association of Accidental Americans, which argued the higher fee violated constitutional and international protections against arbitrary barriers to expatriation. In court filings during that litigation, the association noted that 8,755 Americans paid the full $2,350 in the three-year gap between the 2023 announcement of a planned reduction and its actual implementation. They paid because they had no choice.

The fee covers consular processing of a Certificate of Loss of Nationality. To get one, a U.S. citizen must travel to a U.S. embassy or consulate outside the country, present themselves in person, and repeatedly affirm in writing and verbally — to a consular officer required by law to confirm the decision is voluntary and fully informed — that they understand what they are doing. The State Department then reviews the file. Renunciation cannot be performed online. It cannot be performed inside the United States. It cannot be performed by mail.

The applicant must already be outside the country, with legal status to be there, before the process can begin. That last detail is the trapdoor. To renounce U.S. citizenship, you must first acquire the legal right to be somewhere else. Which means, before you can leave America, the other country has to let you stay.

The Tax on the Way Out

If you are wealthy enough or earned enough income, the IRS takes a final cut on your way through the door. The U.S. expatriation tax applies to anyone the agency classifies as a “covered expatriate.” The definition, for 2026, catches three groups: anyone with a worldwide net worth of $2 million or more on the date of expatriation; anyone whose average annual net income tax liability over the previous five years was $211,000 or higher; and anyone who fails to certify, on IRS Form 8854, that they have complied with all federal tax obligations for the preceding five years.

The covered expatriate is then treated as if they had sold every asset they owned at fair market value on the day before expatriation. The first $910,000 of unrealized gains is excluded in 2026. Everything above that is taxed at standard U.S. rates. Retirement accounts get a separate, harsher treatment: IRAs and 401(k)s are treated as fully distributed the day before expatriation, with up to 30 percent withholding on any later actual distributions.

Form 8854 is not optional. Failure to file it automatically makes you a covered expatriate, regardless of your wealth or income. The form requires detailed disclosure of every asset and liability and certification of tax compliance for the prior five years. For most Americans, the exit tax is a paperwork problem. For wealthier ones, it is a six- or seven-figure check made out to the IRS, due on the day they try to walk away.

The Tax That Follows You

The exit tax is the one-time bill. Citizenship-based taxation is the bill that arrives every April for the rest of a person’s life, regardless of where they live. The United States is one of only two countries in the world that tax their citizens on worldwide income regardless of residence. The other is Eritrea, which charges a flat 2 percent diaspora tax it largely cannot enforce because the international banking system refuses to cooperate. Over 190 countries use residency-based taxation. Canadian citizens stop filing Canadian taxes the year after they leave. British, French, German, Australian, and Japanese citizens do the same. American citizens do not have that option.

A U.S. citizen who moves to Lisbon and teaches English at a Portuguese school still owes a U.S. federal tax return every April, must report foreign bank accounts whose aggregate balance exceeded $10,000 at any point in the year to the Treasury via FBAR filings, and is tracked through the Foreign Account Tax Compliance Act. Under FATCA, foreign financial institutions that fail to identify and report their American account holders to the IRS face a 30 percent withholding penalty on their own U.S.-source payments. That penalty hits the bank, not the account holder — but the bank passes the friction along. Some foreign banks now refuse to open accounts for Americans entirely, a pattern reported across Europe and Asia by the American Bankers Association and the Association of Americans Resident Overseas. It is easier to refuse the customer than comply with the U.S. reporting regime.

This is why renunciation, for many Americans abroad, is not about ideology. It is about being allowed to open a checking account. A 2025 survey by the expat tax firm Greenback, drawing on responses from roughly 1,100 Americans including 719 living overseas, found that 49 percent of U.S. expats were seriously considering renunciation, up from 30 percent the year before — a 63 percent jump in twelve months. These are not Americans weighing whether to depart. They have already gone. They are deciding whether to formalize the exit, pay the tax, file the form, and stop the IRS from following them across borders for the rest of their lives.

The Country on the Other Side

The cost of leaving is only half the problem. The country you are trying to enter is the other half — and its immigration code imagines something different than the frictionless globe the “love it or leave it” speaker assumes.

Canada — the most-Googled destination for Americans after every election the love-it crowd loses — runs Express Entry, a points-based system that scores applicants on age, education, language ability, work experience, and adaptability. The 2026 cut-off for general invitation rounds has ranged from 475 to 510 out of 1,200. A 35-year-old American with a bachelor’s degree, eight years of professional experience, and no Canadian work history or French language credentials typically scores in the 400s. They wait, build their score, or apply through a Provincial Nominee Program that may or may not exist for their occupation.

Portugal’s D7 visa — the program most aggressively marketed to American retirees — requires proof of stable passive income of at least €920 per month for a single applicant in 2026, plus €460 for a spouse and €276 for each dependent child. A family of four needs roughly €1,932 (about $2,280) in monthly passive income from pensions, dividends, rental income, or intellectual property. Salary from a remote job does not automatically qualify. The applicant must also have secured housing in Portugal — a rental contract or proof of ownership — before applying, and must live in Portugal for at least 16 months of the first two years to maintain the residence permit.

Mexico — the second-most-Googled destination, and the cheapest neighbor — requires applicants for permanent residency through the direct financial path to demonstrate monthly income of approximately $7,400 or savings of about $300,000 in 2026, based on multiples of the Unidad de Medida y Actualización reference index. Temporary residency, the more common path, still demands monthly income near $4,400 or savings around $72,000, with annual renewal until conversion after four years.

Every other plausible destination — Spain, Italy, Germany, the Netherlands, Costa Rica, Panama, Australia, New Zealand, Japan, the United Kingdom — has its own version of the same gate: financial thresholds, criminal background checks, sometimes language tests, sometimes age restrictions, almost always a years-long residency requirement before any path to citizenship opens. None of them issue passports to Americans on demand. They vet their immigrants the way American restrictionists demand America vet its own — with paperwork, with money tests, with the assumption that immigration is a privilege the receiving country grants on its own terms.

The bumper sticker assumes a world that does not exist.

The Cost of Leaving — United States, 2026
Item Requirement / Cost
State Department renunciation fee (effective April 13, 2026) $450 (down from $2,350)
Exit tax trigger — net worth threshold $2,000,000
Exit tax trigger — avg. annual U.S. tax liability (5 yr) $211,000
Exit tax exclusion on unrealized gains (2026) $910,000
Required IRS form for expatriation Form 8854 (mandatory; failure = covered status)
Countries with citizenship-based taxation 2 (United States, Eritrea)
Canada Express Entry CRS cut-off, general draws 475–510 of 1,200 points
Portugal D7 minimum passive income, single applicant €920/month (€11,040/year)
Mexico permanent residency, direct financial path ~$7,400/month income or ~$300,000 savings
Americans who renounced citizenship in 2024 4,820 (third-highest annual total on record)

Who Actually Gets to Leave

The data on who actually goes through this process is not abstract. The IRS publishes a quarterly Federal Register notice listing covered expatriates. In 2024, the most recent full year reported, 4,820 Americans formally renounced their U.S. citizenship — the third-highest annual total on record, a 48 percent jump from 2023, with 2,123 of those renunciations concentrated in the three months before the November election. The all-time high was 6,705 in 2020. The Association of Americans Resident Overseas estimates there are roughly 5.5 million U.S. citizens living abroad.

These are not working-class Americans angry about politics packing the family minivan. Most who renounced in 2024 paid the full $2,350 fee before the reduction took effect, plus thousands more in tax preparation, legal fees, and any exit tax owed. Many had been living abroad for years or decades. The overwhelming majority held a second nationality before they began the renunciation process. The State Department’s Foreign Affairs Manual (7 FAM 1210) confirms it will accept renunciations that produce statelessness, but consular officers are required to walk the applicant through the consequences in detail — difficulty obtaining a passport, restrictions on working, renting, marrying, accessing medical care — before processing the oath. In practice, almost no one signs without first holding another country’s passport.

So the Americans who actually leave look strikingly like the Americans who tell others to leave: established, well-resourced, with the legal infrastructure of a second nationality already in place. The Americans who are told to leave — the young, the working-class, the renters, the indebted — are the ones least equipped to take the dare. The phrase is aimed downward. It always has been.

4,820 Americans renounced their citizenship in 2024. They paid the $2,350 fee, hired the tax lawyers, secured the second passport, and filed the form. The Americans most often told to leave are the ones who can least afford to.

The Lock From Both Sides

There is a pattern here, and it is the same one that shows up in housing, in education debt, and in the wage-to-cost-of-living math that pins younger Americans in apartments their parents would have already finished paying mortgages on. The country tells its critics to leave. The critics happen to be disproportionately younger, poorer, and less mobile than the people telling them. The exit door is priced to keep them in. This is the pattern that Generational Malpractice examines across policy domain after policy domain: the deliberate or incidental transfer of risk and cost downward, from generations that built equity to generations being asked to absorb it. Citizenship is the policy floor underneath all the others. You cannot move countries the way you can move apartments, and you cannot expatriate yourself out of a tax code that follows you across borders.

The phrase, taken seriously, demands seriousness. It demands that the speaker know what they are asking and that the listener be capable of taking it on. Neither is true. It is a taunt designed to silence, deployed by people who would never take the dare themselves, aimed at people who cannot.

There is one honest response, and it is the response the bumper sticker is structured to prevent. It is not “I’ll leave.” It is this: I’m a citizen. The country belongs to me as much as to you. The criticism stays. The work continues. And if you don’t like that, the door is right over there. As you’ve just learned, it locks from both sides.

Dexter Dow is the editor of Granite State Report and the author of Generational Malpractice.

© 2026 Granite State Report • GraniteStateReport.com
Independent New Hampshire political journalism.

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