Peluche wrote:Now that I look at it, my question comes across as a bit crass, and it wasn't framed properly. Let me clarify.
This is all motivated by retirement. I am assuming there will not be much retirement benefits by state, in any country. This means we have to save ourselves, and this is where the salary question came from. So more precisely, if you do not expect to get much benefits from the state, how many years more would you need to work to retire, say for a middle class life? Suisse is an expensive country, and for people like us who emigrated to rich countries late, this is a disadvantage. Given this, do you plan to retire in Suisse or some less expensive EU country?
Children: yes, another very delicate topic (I do not know your age). I know of two other couples who were not able to have children due to fertility issues. And I suspect two other brilliant former colleagues who will probably not have children because they lost years jumping from country to country. You have a partner, so that is a huge plus in the pregnancy process. But you're a doctor, you must be worrying about fertility issues anyway.
BTW, what IS your speciality?
Well, those are rather personal topics, but as long as we stay within the discussion "how do we, as immigrants, plan to do stuff", it's ok.
For retirement: I don't know where. Where we'll be happy. It will also partially depend on where will we have gotten a citizenship. I hope it will be here, but know knows. One thing is saving for retirement, but a better approach is investing and diversifying the income, I may even need a different source than just employment in medicine, who knows. So, of course I am looking into my options. For example, the Switzerland has a functional second and third pillar or retirement insurance. It is a combination of saving, investing, insurance, with tax deductions of a part of the money. (That's an excellent idea that totally failed in the Czech Republic. On many problems, sure. But the main one: people have so low income that they don't really have what to save up in this way). But really, I am still in the phase of trying to get safely within the "some reserve saved every month" phase.
The first years in a new country are harsh. A lot of stuff to pay, lots of paperwork, getting used to stuff. For now, we are also living from one salary, which should change in a few months. My husband is near B1 now, working hard on getting to B2 soon, as that is a necessary requirement.
The question of kids, that's about many issues. Even if we put aside my medecine studies caused paranoia, there are also the very practical issues that have a lot to do with immigration, but not only. We need to save up, as I am likely to be unemployed for half a year, if the timing goes badly with my contracts, as I have only limited time contracts as a doctor in training. We'll need to do a lot of bureaucracy fighting (a new mom I've met joked, that her son would earlier get a highschool diploma than the birth certificate). Child care is very expensive here (and there seem to be significantly fewer places than for example in France), and we won't have grandparents here to help (but that is not just an immigration and distance issue. My generation will have working parents till very late compared to the previous ones).
So, I am gathering know how from all my colleagues with kids, especially immigrants. I listen a lot and make mental notes.
No clue how many years I need to work for retirment. I refuse to look it up and add this problem to the load of more imminent ones.
As I've said, I am not even convinced I need to worry about it. I think retirement as we know it will end within the next twenty years.
Medical specialty: I am now aiming for internal medicine, as it is necessary for progress to most other specialties, including my real dream. For now, I focus on this. Even if I achieve "just" this and not a second one, I'll have good options anywhere in Europe.
So, now that I've answered a lot of stuff: what is your plan?