> if you own your own property outrighht by then, which is almost impossible in Austria. On a dev salary it's more than possible to buy your own home, especia

> if you own your own property outrighht by then, which is almost impossible in Austria. On a dev salary it's more than possible to buy your own home, especially if you take advantage of the govt. loans capped to sub 1% rates (Wohnbauförderung) or one-time support checks (Carinthian Häuslbauerbonus or Tyrolean equivalent). The options here differ a lot state by state. Alternative would be a ~100k€ small apartment which can be sensibly rented out for the time being. Austria has a required equity ratio on real estate loans of 20% - this can easily be achieved. Point being: The scenario you're describing is trivially avoidable these days.