I am a tradesman with a lot of technical skills with some specialized skills in short supply (at least in the US) with a little less than a decade of experience. My partner is a skilled social worker with more than a decade of experience.
We cannot afford a golden visa in any country.
We are at least 3rd generation Americans, and do not have the right to claim citizenship in any other country without going through the immigration and naturalization process there.
Neither of us is very good at picking up a new language (lord how I’ve tried)
Where could we realistically look to go?
Just talk to your bank, you are not alone in this situation! If the deposit is sizeable enough, they will transfer your account to their international operation. If not - why do you even care? Just take it out as cash, or wire it to a bank in your new place.
On the retirement savings - there is also a mechanism of transferring it to your new country of residence.