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137 points pg_1234 | 3 comments | | HN request time: 0.809s | source
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xetifafa ◴[] No.37271255[source]
If anyone is interested in an anecdote from a US American mid level dev living in Germany:

I get 30 paid vacation days, 10 ish public holidays and my employer has to pay up to 6 weeks of sick leave a year (after that the public health insurance pays).

I make around 75k€ with a 38 hour work week and my take home is roughly 3600€ net. My living expenses are less than 1k (mid sized city, no car, split rent, no kids) so I am able to invest 2-2.5x my living expenses every a month.

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jdthedisciple ◴[] No.37271688[source]
Most likely the average dev in the US with your level of skill still makes 2-4x more than you without 2-4x the expenses.

Germany may be good to live and get by but not great to actually grow, financially. The whole system is still designed so that you depend on your 800€ gov check in your senior years.

Unless your parents already built some wealth it is barely possible to do so in your own lifetime in Germany.

replies(1): >>37271993 #
xetifafa ◴[] No.37271993[source]
According to levels.fyi (if we assume its unbiased) a median dev income is around $82k in Germany vs $168k in the United States. Let's assume the mean is near that as I can't find any stats on median CoL. Also Let's compare two MCOL(?) hip cities: Portland OR and Leipzig.

$82k is $4.1k take home (with healthcare) as a single in Germany.

$168k is $8.8k take home as a single in Portland.

Let's say monthly expenses are $1.5k as a single in Leipzig. According to numbeo I would need $2.5k for the same standard in Portland.

So in Portland I can save $6.3k or 2.5x my expenses and in Leipzig I can save $2.6k or 1.6x my expenses.

Healthcare is included in the net pay for Leipzig, but not Portland. Employer 401k contributions and other benefits are also not considered.

Other things to consider are safety, unemployment, workers rights, tenant rights, quality of healthcare, cost of elderly care, government retirement plans, PTO, sick leave, maternity and paternity leave, cost of childcare, etc.

Really comes down to what's important to you IMO.

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1. seanmcdirmid ◴[] No.37272071[source]
> Healthcare is included in the net pay for Leipzig, but not Portland.

What devs are getting hired for $162k/year without a decent group plan with only a fairly token employee contribution?

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2. xetifafa ◴[] No.37272473[source]
I don't know enough about US health insurance to make a good comparison. In Germamy co-pays for doctor visits arent a thing and co-pays for meds are capped at 5-10 EUR.

Also if I go to the hospital and get a surgery or something I don't have a deductible or percentage I have to pay out of pocket.

My understanding of US insurance is that these are almost always a reality plus potentially a monthly premium.

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3. mmmmmbop ◴[] No.37272670[source]
Basically, good health plans like the ones you would get in a tech job will have either no or very low monthly premiums ($0-$50/month), and pretty low deductibles ($1k) and out-of-pocket maximums ($2k-$2.5k), meaning no matter what happens, you'll never pay more than $2.5k for your healthcare in a given year.