Comment by bartminton

You touch a number of very important points here. Thanks for that. We're aware of the fact, that the overall situation in many countries in the world is much, much worse. So it's kind of a luxury problem. What is actually a challenge, is that I work as a freelancer for 20 years now and still have to go a long way to secure my private pension. I once calculated my personal "real" tax rate in Germany, and ended up at around 71%. Especially due to the fact, that we both are in the highest income tax band but also due to the fact that there are taxes on close to everything. But since we're not really consume oriented, we're fine with lower income, IF we find a place, where life is just more relaxed. Thank you for your thoughts.