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this post was submitted on 14 Aug 2024
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A Boring Dystopia
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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.
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.