Hi Laura, My name is David Hammond. I moved from the U.S. to Uruguay 19 years ago when I was 46. I had a good net worth, but did not have a regular passive income. I learned that Uruguay and many other countries in Latin America won't consider a residency applicant's net worth--only their monthly income.
However, the regular income does not need to be social security or a pension. In several countries, it can be any form of regular monthly income. What many do (and what I did) is to invest their savings so that it produces a monthly income that can be used as proof of monthly income, such as rent income, dividends, etc.
If that doesn't make sense for you, here are a couple of other strategies to consider:
I've met many people who got a job teaching English in order to move abroad. It provides you with a visa to live in a country without a passive monthly income. It will enable you to earn some money and also to develop a social circle right off the bat. From what I understand, you can get a TEFL certificate at an online school in a matter of months. And in many places native English speakers are in demand.
I've also met several expats who enjoy a roaming life abroad--without needing a foreign residency. In many countries one can stay as a tourist for 90 days. And for a small fee extend one's stay for another 90 days--for a total of 180 days. People who do this might stay in one country for 5.5 months, another for 5.5 months, and then travel for a month.
Good luck to you!