4 ms·

>- healthcare is cheap and universally available, no need to stuff away money in HSAs to account for a sudden 100k$ bill from a broken leg or a million dollar b

>- healthcare is cheap and universally available, no need to stuff away money in HSAs to account for a sudden 100k$ bill from a broken leg or a million dollar bill from cancer Hmm I wonder where this mythical cheap healthcare is...If you are not really sick (and most young people are not) you typically pay for things anyway (dental care) >- public education for your children is free, you don't need to pay for private schools or (later on) for university I dont have children? And judging by birth rates a lot of people dont as well. >- housing costs are drastically lower than the US Are housing costs relative to tech salaries really lower than the US? >- no need to stuff away money for pension because we actually have working government-backed pensions Again as a young, ambitious individual in Tech I would rather have more disposable income than rely on a ponzi scheme that's the gov-backed pension system. >- way less commute expenses - we tend to have working public transport and even if you commute by car, the distances involved are way less And we live in cramped,tiny,noisy,apartments...I would rather commute from a suburb and have a house with a garden. >- we have government-mandated vacation time - at the least 20 days a year, most employers offer around the 30 day range - and unlimited as-needed sick time, which also means you don't have to stuff away money for unpaid time off. Unlimited PTOs or european level PTOs are very common in US tech companies.

raverbashing 5y ago
Curious on why are you not in the US then? > you typically pay for things anyway (dental care) Ah yes, dental care. The thing that's literelly not included in healthcare in most places. > I would rather commute from a suburb and have a house with a garden. Literally nothing prevents you from doing that in Europe. Houses might be smaller depending on the country, but this exists.
- ChuckNorris89 5y ago
  >Literally nothing prevents you from doing that in Europe. Except, you know, money. In DE/AT houses are insanely expresive relative to net pay.
  - mschuster91 5y ago
    > In DE/AT houses are insanely expresive relative to net pay. At least you can actually buy a house here. A friend of mine is a teacher and just bought a 180 m² house plus garden in the suburbs of Munich, 20 minutes from the city center.
    - ChuckNorris89 5y ago
      >A friend of mine is a teacher and just bought a 180 m² house plus garden in the suburbs of Munich, 20 minutes from the city center. And a friend of mine works with the president and took me on a space ship to the moon. Is this how this game works? How much is his teacher's salary and how much did the house cost? Those are important details worth mentioning to form an argument. Otherwise, without stating any facts, we're just making stuff up. I worked with Munich devs and they all said you can't afford a house in the suburbs without an inheritance due to how insane the Munich housing bubble has gotten with houses going for over a million Euros, so I doubt your friend could buy a house just on mortgage based on his salary.
  - raverbashing 5y ago
    "Insanely expensive" well, depends on what do you consider insane. Let me look around the websites Looked around Munich you can find options between 500k and 700k around 20km. I wouldn't be surprised if houses inside the city would cost ~1Mi (but we're talking about suburbs right? and cities grow differently) Around Dublin you can find for that range or even less, inside the city (in liveable areas) For comparison, searching around Chicago it's probably a bit less (though with bigger surface area) - excluding the foreclosures or fixer-uppers. Buying a house in SV is also insanely expensive even with SV salaries, so.
mschuster91 5y ago
> I dont have children? And judging by birth rates a lot of people dont as well. Agreed, but lower fertility rates are common in wealthier countries - an effect notable enough to be recognizable even in first-generation migrants. When you don't have to have a literal dozen children so that one or two make it to adulthood to support you in old age, you're fine with having one or two - or even none, given that we have support systems for old people backed by society as a whole instead of families having to take care for themselves. > Are housing costs relative to tech salaries really lower than the US? Yes. Here in Germany, while I agree that rents are way too high, we simply don't have something like "working homeless". > Again as a young, ambitious individual in Tech I would rather have more disposable income than rely on a ponzi scheme that's the gov-backed pension system. Wonder who's gonna pick up the tab for you once you are in pension.
- dagw 5y ago
  simply don't have something like "working homeless". Does the US have "working homeless" among people earning "tech" salaries? Wonder who's gonna pick up the tab for you once you are in pension. If you're earning US level take home salaries you should have zero problems financing your own pension plan.

raverbashing 5y ago

Curious on why are you not in the US then? > you typically pay for things anyway (dental care) Ah yes, dental care. The thing that's literelly not included in healthcare in most places. > I would rather commute from a suburb and have a house with a garden. Literally nothing prevents you from doing that in Europe. Houses might be smaller depending on the country, but this exists.

ChuckNorris89 5y ago
>Literally nothing prevents you from doing that in Europe. Except, you know, money. In DE/AT houses are insanely expresive relative to net pay.
- mschuster91 5y ago
  > In DE/AT houses are insanely expresive relative to net pay. At least you can actually buy a house here. A friend of mine is a teacher and just bought a 180 m² house plus garden in the suburbs of Munich, 20 minutes from the city center.
  - ChuckNorris89 5y ago
    >A friend of mine is a teacher and just bought a 180 m² house plus garden in the suburbs of Munich, 20 minutes from the city center. And a friend of mine works with the president and took me on a space ship to the moon. Is this how this game works? How much is his teacher's salary and how much did the house cost? Those are important details worth mentioning to form an argument. Otherwise, without stating any facts, we're just making stuff up. I worked with Munich devs and they all said you can't afford a house in the suburbs without an inheritance due to how insane the Munich housing bubble has gotten with houses going for over a million Euros, so I doubt your friend could buy a house just on mortgage based on his salary.
- raverbashing 5y ago
  "Insanely expensive" well, depends on what do you consider insane. Let me look around the websites Looked around Munich you can find options between 500k and 700k around 20km. I wouldn't be surprised if houses inside the city would cost ~1Mi (but we're talking about suburbs right? and cities grow differently) Around Dublin you can find for that range or even less, inside the city (in liveable areas) For comparison, searching around Chicago it's probably a bit less (though with bigger surface area) - excluding the foreclosures or fixer-uppers. Buying a house in SV is also insanely expensive even with SV salaries, so.

mschuster91 5y ago

> I dont have children? And judging by birth rates a lot of people dont as well. Agreed, but lower fertility rates are common in wealthier countries - an effect notable enough to be recognizable even in first-generation migrants. When you don't have to have a literal dozen children so that one or two make it to adulthood to support you in old age, you're fine with having one or two - or even none, given that we have support systems for old people backed by society as a whole instead of families having to take care for themselves. > Are housing costs relative to tech salaries really lower than the US? Yes. Here in Germany, while I agree that rents are way too high, we simply don't have something like "working homeless". > Again as a young, ambitious individual in Tech I would rather have more disposable income than rely on a ponzi scheme that's the gov-backed pension system. Wonder who's gonna pick up the tab for you once you are in pension.

dagw 5y ago
simply don't have something like "working homeless". Does the US have "working homeless" among people earning "tech" salaries? Wonder who's gonna pick up the tab for you once you are in pension. If you're earning US level take home salaries you should have zero problems financing your own pension plan.