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.
My health insurance is “good” which means I pay $260 a month for the privilege of them getting to do a genetic and full body test on me each year to make sure I won’t cost them any money or the price goes up to $380 and then I still get to pay a couple thousand for actual health care when I need it in copays and premiums.
I currently live near a discount grocery store that sells expired food from other grocery stores. That’s one of 2 grocery stores near me in a suburb that’s also about 30 minutes from the city but also does have way more people in it.
my wife has health issues and we pay max out of pocket each year and we pay about 500 a month for it so medical budgeting is 1k a month for us and im worried its going to crack that to higher levels. Oh and as much as we resist it we end up having to do some out of out of pocket spending. I should be giving lectures in europe to all people buying into any kind of privatization of their healthcare.
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.
My health insurance is “good” which means I pay $260 a month for the privilege of them getting to do a genetic and full body test on me each year to make sure I won’t cost them any money or the price goes up to $380 and then I still get to pay a couple thousand for actual health care when I need it in copays and premiums.
I currently live near a discount grocery store that sells expired food from other grocery stores. That’s one of 2 grocery stores near me in a suburb that’s also about 30 minutes from the city but also does have way more people in it.
Yeah your situation is great.
my wife has health issues and we pay max out of pocket each year and we pay about 500 a month for it so medical budgeting is 1k a month for us and im worried its going to crack that to higher levels. Oh and as much as we resist it we end up having to do some out of out of pocket spending. I should be giving lectures in europe to all people buying into any kind of privatization of their healthcare.