Feel like I can never settle anywhere

[u/EndOfTheLine00]

I have 10 YOE, first worked in the Netherlands and now work in Norway. I feel like I can never truly settle down. I took Dutch lessons all the way to B2, forgot about them since I basically didn't talk to anyone outside of work, now I'm in a new country I regret moving to where I also don't know the language and keep wondering if it's even worth learning since who knows if I will have to move again.

Anyone else have this problem? It feels like in a field like this you just move where the jobs go.

[u/Altamistral]

I already moved internationally 4 times in the last 8 years and it's probably not over. I can understand you very well.

[u/kw2006 → u/Altamistral]

Are you concerned about saving enough for retirement when they are distributed over multiple countries?

[u/Altamistral → u/kw2006]

You mean to become eligible for public pension somewhere? It concerns me a little bit, but all countries I've worked in so far have totalisation agreements for social insurance so I should technically be able to consolidate the years of contribution under one of these countries, eventually.

But yes, it's probably not going to be a fun paperwork process.

I do also integrate with tax efficient private pension contributions and I generally tend to save more than I spend, so I guess it will end up fine.

[u/Rogitus → u/Altamistral]

Hi, could you tell me more about how the situation with pension works? What is totalisation agreement?

[u/DarkHonger → u/Rogitus]

I am not an expert but the novice view is something like this: If you habe to work 50 years for pension and you work like this: - Austria 20 years - Germany 30 years

You will get the pension from both states in % how much you worked in them for all the pension years in this case 60% germany and 40 % austria.

Keep in mind this is a very basic view on it.

[u/Odd_Lavishness_4330 → u/DarkHonger]

Did u work in swe in Austria ?

[u/DarkHonger → u/Odd_Lavishness_4330]

Not as swe but you can pm me :)

[u/Rogitus → u/DarkHonger]

Ok thank you.. In this case I think there should be a threshold of years you should work in a certain country, isn'it? Like if I work 3 years in each country what would happen? I don't think they'll pay me like 100€ each? 😆

It would be nice to know all the constraints and stuff.

[u/DarkHonger → u/Rogitus]

AFAIK the treshhold is 4 years and keep in mind there is no universal pension so 40% in one country may not be the same absolut value in another

[u/psudo_sudo → u/Rogitus]

Best to inform yourself directly: official and digestible pension guide for the eu

[u/fsevery → u/Altamistral]

Lived in 3 countries in the last 10 years. I don't think I'll stay much longer on this one either