A bit of background: We're in our mid-30s. Both in tech. I'm a software engineer. She's a product manager. I'm American and she's German. We met in SF in 2014 and left together in 2017. We traveled for a while, then moved to Amsterdam where we live now. We have a 1 year old daughter with another on the way in October. We don't plan on having more kids after that. We'd like to leave the Netherlands soon, but haven't decided yet if we should move back to California or move close to her parents in Germany.
There's tons of variables to consider, but the 2 main ones I'm focused on right now is the tradeoff between family support vs career prospects. In short: if we move to Bavaria, my wife's parents would be a huge help with our kids. They're natural and eager grandparents and they're great with our daughter. But, they live in a small village in Bavaria. If we moved to Germany, I assume we'd want to be close to them, so we'd end up in a similarly small village near them.
My family is scattered around CA and NY and, while it'd be nice to be closer to them, I don't think we'd get nearly the same kind of natural support network from them. If we did move to CA though, I assume we'd move closer to either my Dad (down in San Diego) or my Mom (around Sacramento).
On the career side, I'm assuming our career options and pay would be a lot higher in CA. I work as a senior eng at a large tech company and based on levels.fyi, it looks like my SF colleagues make somewhere between 2 and 4 times what I do. I know money isn't everything, but I've experienced the pain and stress that not having enough causes. I see it with all my family members now. Since moving to the Netherlands, I haven't been able to save or invest nearly as much as I could back in CA. Maybe it's the American in me, or a vestige from my childhood, but I feel uneasy not building more wealth. Money smooths everything over - from relationships, to the options you have available, to the time you can buy with it. But, that additional pay would come at the expense of being more on our own raising our kids, which adds another set of stressors and difficulties. Additionally, for the sake of our kids, we think it'd be good for them to have more involved relatives.
Any SWE parents out there who have insights? How hard is it raising kids in CA if you have limited family support? What's your quality of life in CA as a parent? Does cost of living eat up all the additional money I assume we could make? We'd eventually like to buy a house, but the markets seem so crazy that even with the pay raises I wonder if we could swing it.
What about quality of life and career prospects in Germany? Anyone living there have any insights? Since we'd be looking at being closer to my wife's parents, I think we'd need to find remote work, so that would also be a limiting factor. I'm assuming we couldn't build as much individual wealth, but perhaps the services of the state compensate enough for that and I should let go of that obsession?
Do not worry much about the small village, actually use the opportunity (lower costs) to invest in your German (learn as much as you can with classes and talking with the people around you).
Quality of life in Germany is much better than in the USA. Kita places are hard to find in Berlin, but you will be probably more lucky in a small town.
When you daughter will be 6 she will start school, and in Germany kids cannot skips school days, so you will be forced to stay put except for the short holidays during the year (when everybody is travelling too), my suggestion is to see Bavaria as a starting point to visit Italy, Austria, Germany and other countries around (at least for the first years).
Regarding careers as SWE you both should not have any problem. Worst case scenario they will require you to go to the office for a couple of days once the pandemic is finished, but it will be quite hard to enforce that :)
Also your kids will not do shooters drills in school
1. Family in a quality German rural setting: Over the long term, healthy and functional family relationships are meaningful source of fulfillment, and make everything else in your life just a little bit easier. In combination with the quality rural life in many areas of Germany, it is a healthy foundation for friends, family, and children.
2. A geographically independent career: Depending on your career choices, and if money is a priority for you, you can make great money while being geographically independent. There are many different ways to accomplish this depending on how much time/effort you wish you invest, and which options you would consider.
3. Quality of life: While I am generalizing here, IMHO, the quality of friendships, family, and social connections is better in Bavaria than California. Of course this depends on your exact situation, which street you are living on, where your family & friends live, the social infrastructure of the town, etc etc.
4. Better health and safety in Bavaria: as can be found in public statistics.
5. Social development for children in Germany: For the most part, I find the quality of the social upbringing and education system in Bavaria better than California (again, generalizing, as there are bad and good patches anywhere). Speak with a few high school graduates from California and from Bavaria, and note your observations. For example I observe: How mature are they as young adults? How well-adjusted are they? How grounded do they seem?
Background: I am a career mentor with long-term US and German experience.
My experience is based off of working in 4 different schools in the Berlin area over the course of 6 months, so my experience in limited. German society is far from perfect, there are many valid criticisms of how they do things there. But, having experienced both the US and Germany there is almost no comparison in terms of how young people are brought up.
As far as your salary goes, I hear you. I'd like to return to Germany, but know I'll make far more money in the USA. I have heard that senior devs in Berlin can crack the 100k euro mark, though there are taxes to consider. I would still say it's worth it. You will have time to spend with your kids, you won't be worked to death, you'll be seen as a human being and not simply a cog. There are some exceptions to that, some German companies genuinely suck while some US companies are great with their work/life balance. But, your chances of finding a healthy balance will be much higher in Germany. Best of luck to you!
As an American living in Germany, I have also heard from Americans that even good German schools are too rigid and inflexible. You should consider what the schools look like and how they could be better in some ways and worse in others.
Flying to New York from Germany isn’t much different from CA, so I wouldn’t worry about that. I think the family support in Germany is worth having, too.
Any chance you can work for a US company remotely?
Here are some pluses:
- California has better salaries
- California has much more opportunity (starting company is easier, etc.)
- California has much nicer weather. And beautiful coast and mountains. And desert (Palm Springs and Coachella Valley area) is great too.
- California is in US (thus you can move anywhere else)
- Your kids will have more opportunity when they grow up
- Health care is much much better - yeah insurance is a problem but actual care is much better. When you end up in hospital you will see that California's 2:1 to 4:1 ratio of nurses to patient is much much batter than Germany's 10:1.
- California is much more diverse than Germany and that helps with your personal growth.
You get like an entire month paid vacation. Companies are incredibly thirsty for talent there and job security is high. The people are very nice and the job pay isn't worse enough to worry about being poor. Most large cities are within a few hours of whatever small town, so you don't have to be in the middle of a field somewhere if that isn't ideal. And for your kids the education system is waaaaaaay better.
More importantly what does your wife really want?
However, as a German myself I'd agree with most of the other posters. Your (presumably) high US salary isn't everything (especially considering the high costs of eduction, health care, housing etc. in the US). Salaries in Germany are very good compared to other European countries (comparable to Netherlands), you can live a great life there. Probably not FIRE, but o well... (also think about how the world might look in 20 years wrt climate change)
You posted that your wife has a split opinion of Germany, that Germans aren't necessarily the most welcoming (friendly yes, but it often isn't easy to become friends in Germany). That's why you should really look at least for a region/city that has a little higher population so that you can find people with whom you share hobbies. That would make it much easier to get similar-minded friends.
And similar to what another poster said: There's nothing greater than letting your kids bike to school.
So, I think you definitely want to take a look at housing and schooling, particularly if you are not sitting on a large amount of cash. I also recommend you read the book "The Wealthy Barber".
Food for thought...
700k in Santiago gets you:
https://www.zillow.com/homedetails/6518-Plaza-Blvd-San-Diego...?
700k in Bavaria gets you:
https://www.engelvoelkers.com/en-de/property/stilvolles-mode...
Working in tech you'll have more than enough to live a very good life in Germany. While the absolute amount may not be as much as in the US, the amount relative to the average person will still be very good, particularly if you choose to live in the countryside, but also if you choose to live in the city.
Quality of life is very similar to Amsterdam / Netherlands, so you don't have to expect huge differences there. Bavaria is a bit more on the traditional side, and you might actually notice that (e.g. shops close very early / not at all on Sundays). While shops in Germany are generally closed on Sundays, they are open late in many of the other states (10pm, or even 12pm in the cities).
Career prospects are good to very good, particularly in Bavaria and Baden-Württemberg (neighboring states), which are the most prosperous states in Germany. In the countryside, you may have to resort to Home Office or working in a Mittelstand Unternehmen, though. Most larger cities have a small startup culture if that is your thing.
This is absolutely priceless no matter where you live.
Even if you commute into Munich, software developers in Germany don't get paid any where near what they do in the U.S.
One word of advice if you go down this path is to get very high quality tax advice. Contracting from overseas as an American involves the interaction between two tax systems, and it can be complicated. For example, if you don't structure the work in the right way you can end up paying U.S. self employment tax (about 15%) on your earnings.
I’d vote for Bavaria as well. But, I’m more curious to listen to why not Netherlands. Would you care for a chat over beer/coffee in the Amsterdam, Amstelveen area?
Email on my “about” section of HN profile.
If you plan to be in one country when they are young and then make a move to the other country when they are older then that is also something I would advice against, better chose one country and stick with it. At least in my experience, people that moved to a new country in (especially late) childhood will face many challenges, some of which may prove too hard.
In general I think people should consider the effects for the children when making these kinds of choices. It has lifelong implications for them.
For money do remote consulting. You can take on a couple of contracts at a time and will be making as much as faang employees in cash (more work, but in a few years you’ll be almost ready to retire)
I can't speak on employment prospects, but with todays "work anywhere" rebellion, I'm sure you can find remote work if nothing else.
The mountainous parts of Germany are just plain beautiful. I would love the opportunity to move some place like that.
Top qualty of life and the highest salary in Europe.
https://www.glassdoor.com/research/app/uploads/sites/2/2016/...
Overall, it pains me to say this, but I'd have to choose Germany. Climate change impacts in California are already significant (wildfire smoke, water shortages, power grid issues), and are going to get a lot worse. Yes, the income will be higher in California, but so will the cost of living, especially the part about trying to buy a decent house, which is essential for long-term financial stability. You don't want to deal with the random capricious rent increases in the Bay Area, that I can tell you. And you don't want to deal with being constantly hassled and lorded over by some landlord. That's no way to raise a family.
Germany has superior social programs, a real health care system, seems less likely to be taken over by a fascist government (at least in the near-term), vastly superior support for education and the arts, no gun nuts, and doesn't have a government crippled by Mitch McConnell. People actually care about the well-being of the entire society, there. The mass transit is, well, legendary.
I think it's a very good bet that your overall quality of life will be superior in Germany.
I have 3 small kids. I lived in the US for 5 years while working for FAANG. Once remote become a thing, I moved to Canada. Yes I took a paycut, but I still make more than what local companies pay in Canada. Moving back to Canada I was able to afford a house in a nice neighborhood with much better public schools than I had in the USA (95124 zip code).
You will still be relatively close to your wife’s parents and the city has a decent startup/tech scene.
I'm from California and once I got out of it and saw other places, I realize it isn't all it's cracked up to be, nor is it worth the additional cost.
You’ll have plenty of time to accumulate wealth beyond the next 5 years. And you’ll still accumulate some even in Germany.
in short, my family isn't yours. But giving up the opportunity provided by popular cities was good for me in the end.
Why don’t you remote for a US company ?
These are the questions you need to be thinking about. Notice I never once mentioned money. You're a software engineer, you'll always have money. Oh sure, it'd be nice to have more money, but at what cost? And "career" is just a two syllable word for "job."
I think you know what you need to do.
Maybe in the best case your life in CA is going to be somewhat easier/better (huge career success, lots of money, all kind of experiences for your kids). But in all the outcomes in the middle, specially the worse ones, Germany is going to be so much better, giving it a huge lead on the average future timeline.
Also remember that when your kids are older (or, God forbid, the grandparents have passed on) you still could move back.
Given what you've listed, I'd aim for Germany.
A lot of what you said is correct I guess. In the US your potentially salary is a lot higher. Although if you plan to move to germany, bavaria is a good spot. Salary there is (at least what I know), higher than in the rest of the country.
One thing that I would add to the equation is job safety. In germany you have a pretty high job safety and it is especially hard to get someone out of the job.
But maybe you get both, a living near your wifes family and the support and a good paid remote job in some big US corp (if you prefer that).
I’m curious how the answers would change if we shifted some of the variables.
What if the asker’s Bavarian parents were elderly and less than the ideal support grandparents? What if it were his parents living San Diego that were the eager kid helpers?
What if the family support situation was more “average” on bot sides, but located in either Bavaria or a less metrotech area of the US, say Spokane WA?
You made it out. Don't make the mistake of coming back. The US is broken.
I see a couple of people suggest working for a US company from Germany, I would advice against that. Work is a big social driver, so being disconnected from that, will make your time in Germany harder.
The worst part of California is you pay the taxes of a European country without the European features. The middle class healthcare is abysmal. The roads are car centric and poorly maintained. What little pedestrian and cycle infrastructure mostly goes nowhere. There is very little public transit and what they have is infrequent and runs for limited times. The schools outside the most affluent areas are HORRIBLE. Child care is insanely expensive. The colleges are over subscribed and over priced. Traffic is terrifyingly bad.
There are some REALLY great parts about California though. The area is super diverse population wise so you can meet cool people. State parks are awesome. Beaches are great. Skiing and mountain biking are great. Tons of excellent national parks. Cheap but amazing wine. Extremely good food available all over the place from almost every country on earth. Great entertainment options. Concerts, music festivals, outdoor screenings, and musicals abound.
Edit: Just checked again and the area I was looking at originally is now around $600,000 to $700,000 for a 3BR 2BA. Yeesh!
Europe on average has miserable salaries and crazy taxes.
I ain't even gonna explain it.
There's a bit of a tilt so far towards Germany in this thread. Let me offer a counterpoint: you can go for a high salary in CA until your kids start at school, and then move to Germany. I'm estimating that you can net somewhere between $100k - $250k per year more in CA (partially depending how frugal you decide to live and you actual options, but you should really do the math yourself). Accumulating over 5 years (around when your kids start with primary school), you that can net you a fully paid off house in Bavaria.
My take is as follows (YMMV):
- We'll live and work in CA until scrappy financial independence is possible in Germany (ballpark ~3-3.5M net worth).
- Once we could comfortably retire in Germany, we'll decide whether to move back there or keep working just to stay in CA (due to cost of living FIRE in CA seems out of reach)
- In some sense starting out in CA maintains more optionality (it'll be easier to move from CA to Germany than vice versa)
Advantages of CA:
- The weather
- Monthly savings (pay - expenses; much higher than Germany if you avoid lifestyle creep)
- Career opportunities (lots of interesting work)
- Outdoors (subjective)
- Food
- If your kids grow up in LA or SF, I'd say there's a pretty good chance they'll stick around close by when they grow up
- Vibe ~ more optimism about the future and the role technology can play
- The earlier you move and buy a house, the earlier you can lock in your real estate taxes (Proposition 14 [2] renders CA hostile to those that 'come later'). Admittedly, it's already pretty late in the game.
Disadvantages of CA:
- Housing prices are 1M+ (although the market seems to be changing now that interest rates are going up [1])
- Homelessness
- Getting into good public schools needs a lot of planning (including buying in pricey neighborhoods)
- Related: kids in elite schools / social circles seem to be under a lot of pressure to perform from day 1 (IMHO a consequence of the winner takes all economy)
- Life is work centric
- Earthquakes
- Air quality (traffic and wildfires)
Advantages of Germany:
- Great public schools & ~free childcare
- Pretty safe environment (although debatable in some cities like Berlin)
- Generally stable, good job security etc
- Once you build real relationships with people, you may find friends for life
- Clean air and water in most places
Disadvantages of Germany:
- House prices per median income are pretty high. It's particularly crazy expensive in cities if you want a single family home due to super low interest rates (SFH can cost 1M+ despite median salaries being much lower than CA)
- Might be less "accepting" of foreigners (I live in CA and never feel bad about speaking with an accent as most people I work with do as well)
- Germans start work and school at ridiculously early hours (I still recall walking to school in the dark every day in winter)
- Rapidly aging population (although some is offset by immigration)
[1] https://www.calculatedriskblog.com/2022/06/1st-look-at-local...
[2] https://en.wikipedia.org/wiki/1978_California_Proposition_13
From my perspective I can list a few things to consider in random order:
There are are definitely good opportunities for tech jobs in some regions of Bavaria. This is especially true for the metropolitan areas in and around Munich, Nuremberg, etc. You probably know better about the market in the exact region you are considering to move to. Some of the rural areas unfortunately don't have many jobs though. The pay is also lower in rural areas — on the bright side: so are the costs of living.
Working remotely is a way to earn more and you say that you are considering remote work already. When applying to remote positions the the pay which you can expect from a German employer might not matter so much. You could potentially also apply to remote positions elsewhere, e.g. even in the US (some companies don't have strict timezone requirements). I personally stayed with my Dutch employer through a payrolling service.
In any case, when living in Germany you will need to pay income tax and social security payments in Germany. Consequently, net salary is lower in Germany compared to the Netherlands (for the exact same gross income in my case). Especially health insurance costs significantly more. In turn, you also get more government benefits.
One of these benefits is the "Elterngeld" which seems to be relevant for you and you probably know of. This parental allowance is paid for up to 14 months during parental leave for one or both parents. The amount is based on your net income during the 12 month prior to the birth of the child. Income in other EU countries also counts AFAIK. You receive about 2/3 of your previous net income. It is capped at 1800 EUR/month and you don't receive any if your net income is higher than a certain limit (which I vaguely remember to be 250k/annual net per parent).
Since you are considering moving to rural Bavaria: Mind that childcare is far less pervasive than in the Netherlands. Creches might not exist close to you and daycare usually has shorter hours than the ones in the Netherlands. Even in primary school you might need to find someone to take care of your children in the afternoon. This seems to be possible in your case with family potentially being close by.
Regarding your fear of not building enough wealth: There is definitely more state mandated welfare in Germany than in California. That includes pension. The general notion however is that it is still required to build up your own funds for retirement. Many people do so by buying a house or investing in ETFs, etc. Buying real estate for a family of four in small towns and villages should be doable on a tech salary. In cities you will likely need to make compromises.
One thing to also keep in mind: broadband internet is not pervasive in rural Bavaria. In most cases it is good enough and many communities also have proper fiber deployed but I know plenty of people who struggle to get acceptable internet access — not great when working remotely.
Germany and the Netherlands have a treaty to avoid double taxation when you move between the countries. A tax adviser is helpful in this scenario. I cannot tell you much about my experience yet because I am only in the process of filing taxes for the year of our move.
Your question about quality of life can only be answered subjectively. I personally value the safety net that is the German welfare state. For instance I never in my life worried that I would get bankrupted by a medical bill. The same is true for job safety: yes, it is possible to fire employees and temporary contracts are a thing to some extent. However, employment contracts are regulated and I feel job security is balanced more in favor of the employee than in the US. Also the parental allowance which I mentioned above is great for families.
Quality of life depends on your immediate surroundings as well. For instance, with the Covid pandemic I've found it relatively hard to meet people in Berlin. This affected quality of my life. In a small village you might struggle meeting like-minded people.
Also: should I have coffee or tea breakfast? Which one is better?