Throwaway account.
I recently saw a post here about moving from Germany to Asia. The discussion it sparked made me think it might be a good idea to get your perspective on my (very specific) situation. I’m not sure if I’m being baited by all the Germany doomsday scenarios or if I should actually take the plunge. Facts first:
* Married couple in our mid-30s with a 3-year-old kid.
* Both European, and we both have German citizenship.
* We both have 12 years of experience in our respective fields. One of us is a mid-level manager, the other a lower-level manager.
* Around €160k in combined annual income. We both work full-time, and actually more than full-time in reality. We’re used to working overtime and occasionally on Saturdays.
* Medically complex child with a diagnosis. Therapies and early intervention are difficult to access because the healthcare system is overloaded, and insurance doesn’t cover them. In countries like the US and UK, kids with the same diagnosis seem to start early intervention programs much earlier. She (our daughter) might need integration status, but the quality of education in this part of Germany looks kinda bleak.
* We’ve saved up some money and paid off about two-thirds of our apartment in Berlin so far, but covering the therapies and medications privately in Germany is not sustainable.
* There’s a potential job opportunity in Southeast Asia (not Singapore. Felt the need to mention that, since a German salary wouldn’t mean much there anyway) for me. My net salary would be higher than what I receive here due to lower taxes. My partner could also work from there, though at a lower salary due to their company policy.
* We’ve always entertained the idea of living in Southeast Asia for a few years, but that was before having a child.
I’ve had a great life in Germany. But after having a child (with disabilities), everything started sticking out like a sore thumb:
* The fact that we pay all these taxes but never used the Germany safety net (our combined sick leave might amount to 15 days in the last 10 years, let alone unemployment benefits). I’m not saying we never would, but it is less likely than us working long term.
* We pay more than €1,000 a month in health insurance contributions (KV-Beiträge), but all we get is an overstretched healthcare system for our child and an insurer that refuses to cover our kid’s most important therapies. These therapies (and medication) could be paid privately in SEA for 1/5 the price.
* We’re worn out because the system doesn’t seem to be built for two full-time working parents, and we constantly have to juggle meetings, Kita drop-offs and pick-ups. A live-in nanny is financially out of reach, and an average apartment is too small for that anyway. Even occasional nanny support costs much more than a full-time nanny in some other parts of the world.
* Spending long winter evenings in a three-room apartment with a child who regularly has meltdowns, without family or paid support around, is taking a toll on us.
* And lastly, we’re trying to secure our child’s future for when we’re gone by saving up, but that’s not easy considering the high taxes, the German economy not doing great, people losing their jobs left and right, and the fact that we don’t take the German pension system for granted (the last one being subjective).
I’m really sorry for the long post, guys. But I need some perspective. No one around me, not even the many people who’ve lost their jobs, seems particularly concerned about the future.
At first, I thought we needed to get out in order to secure our future. But the fact that no one seems to be freaking out (despite all these layoffs) got me thinking: Am I caught in an echo chamber? Have I been tricked by the “Europe has failed, Germany’s doomsday confirmed” algorithm? Maybe things aren’t getting as bad as I think?
My partner and I already don’t have much work-life balance here in Germany, but how extreme does it get in Southeast Asia? Or maybe working just as hard there makes more sense if it brings some ease to our daily lives in the form of services we can afford?
I’d really appreciate your opinions, especially if you’ve worked in both Germany and Southeast Asia!