> struggle and minimize costs if you're in the west and can clear the mortgage burden you're living extremely comfy. the ones who do not and have to enter when prices have literally doubled in the past 8 years are in for a very rough time.    i see the balance sheets of many businesses frequently. always managerial fee / salary is like x3-5 the average salary of their workers if its a 4-10 full time employee business. it's around x10-30 if it is 200-500 full time employee business. some of these small businesses are making gigantic bank and paying their employees a shitty salary for it. therefore if you are working, do not find something that makes you work hard for an income. find something that doesn't have high standards like the public sector and make that 36-40 hour work week a 16 hour one (while getting paid 40!). i'll never go back to the private sector since the salaries are just garbage trash for it, it's like 10-20% more than what i make at the gov but i'm expected to work 40 hours instead of the 12-20 that i get by with now.
Netherlands