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Joined 1 year ago
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Cake day: June 12th, 2023

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  • In terms of healthcare and retirement I feel for you. The 30k down payment is also rough.

    My government (Netherlands) gave starters the option to not pay tax on their first house purchase (2% of the sum). Also we have collective health insurance at around 150 a month. We have to pay 375 of all costs if we incur any. Part of our salary is put aside for a retirement premium. At my current employer, we get to decide how aggressively this premium is invested.

    So all in all I needed about 6k for the pure costs of buying a house. I live half an hour (bike)/20mins (car) from a city with 200k citizens. The town I live in has about 10k people, three supermarkets, some pet stores, a vet, and some general purpose stores.

    I am aware that my situation is actually pretty good, but in my country people my age are also complaining they cannot buy large luxury apartments in downtown Amsterdam or Utrecht with a salary of about 100k a year.