Nor is living on wellfare in one of those places, however, OP has a job and will have one there too. If is just the feeling of safety that if everything goes wr

Nor is living on wellfare in one of those places, however, OP has a job and will have one there too. If is just the feeling of safety that if everything goes wrong, you and your family are covered no matter what. That takes away the healthcare and pension strssses. In the meanwhile nothing changes and he would be in the 95% there too; big pension. But no stress for ‘what if’ while getting there. It helps, I know, I am from the Netherlands and just the thought that you have a safety net is all that matters even though I will never use it.