u/Nebrixxx

37M, Vienna, IT.

Invested about 240k, no property, no dependents yet. Coast box has been ticked since 2023, the math is in an older post of mine, short version is the pile gets where it needs to be by 60 without me, spend is 34k a year, and I still put in 900 a month because stopping feels weird.

Here is a thing I didn't know I was assuming. Part of why coasting felt safe was a quiet "and I can always leave" at the back of it.
Vienna is fine. Vienna is very fine but the plan always had a clause somewhere after 45 that said maybe not here, and I had never priced it, because why would you price a maybe.

Austria has an exit tax and it covers a plain private depot, ETFs included, which I had somehow filed under "for people with a GmbH". The day you move your residence out they treat the whole thing as sold, 27.5 percent on the unrealised gain, the same KESt I'd pay if I sold it myself. If you go to another EU or EEA country you can ask them not to collect until you actually sell, and the claim rides along with you. Go anywhere else, Switzerland included, and it's cash on the way out.

Since this July there's a new bit. If the gain at departure was over 100k you have to tell the Finanzamt every year that you still haven't sold, and if you skip a year the whole deferred amount falls due.

Now the coast part, which is the part that got me. I'm barely adding anymore, so from here on the growth is mostly gain. My unrealised gain on the All-World position is around 70k today, so leaving now means a 19k claim, deferred, and it stays 19k however long I hold.

Wait five years and it's more.

Wait until 60, if the plan works, and the same claim is six figures. Wherever I end up, that slice is Austria's, and it only gets bigger while I sit here being fine. 100k line, the one with the yearly letter attached, I cross in about three years at current pace. So "later" now has a price and the price goes up on a schedule.
Nobody mentions this in coast threads. Savings rate, withdrawal rate, never the address.

Embarrassing bit is that there's no city on the other side of this. I'm not comparing countries. I've been to all the neighbours, none of them are on a list, there is no list. What changed is only that a vague someday grew a number, and I'm the kind of person who, once a number exists, can't leave it alone. Two years ago it was TERs to the third decimal, last year it was the P2P secondary market, this year it's a leaving date for a move I haven't decided to make.
At least this one is a real number.

Migration list, if it ever happens, is short and annoying. Depot sits with a steuereinfach broker that does the KESt for me and is built for residents, so it probably moves, and I did that once already when I moved here, that was fees and forms, this one comes with a bill.
Pension years stop accruing, EU coordination supposedly adds them up at the end. The one corner that doesn't care is the P2P sleeve, 20k across three platforms. Loans sit at par, interest posts monthly, there is nothing for a deemed sale to find, and since P2P interest here is mostly tariff income, my marginal 40 something percent, most places I can name would tax it less. They just would want a new address and a KYC upload, that's the entire project.

Anyone here who was coasting in a country with an exit tax and left or nearly did?

Did you sell down before you went so the next country starts clean, take the deferral and carry it or just decide the growing number was the price of not deciding and stayed?

Staying is the current plan, and I'd like to know what it costs before I keep choosing it by default.

TL;DR: coasting in Vienna. Austria's exit tax means every year I stay, a bigger chunk of the depot is already spoken for at 27.5 percent whichever country I might leave for, and past 100k of gain there's a yearly form with the whole bill behind it. No destination, no list, just a number that grows on a schedule. If you left an exit tax country while coasting, what did you do with the depot on the way out.

Probably a vent post.

37, Vienna, IT, net worth somewhere around 240k. Reading this sub since 2023 and hanged broker twice over fees. Well, once over fees, the second time because of relocating. Spent entire evenings comparing SXR8 and VUSA down to the third decimal of the TER, then the same again over accumulating versus distributing, then over whether the withholding tax drag on an Irish domiciled fund matters at all at my size.
Read half a thread about the German Vorabpauschale before remembering I pay KESt here. At one point I was reading about Dutch box 3 and I am not Dutch.

What bothers me more is where my attention goes. The core is 180k in a FTSE All-World position, a small aggregate bond sleeve I top up and a money market ETF holding the cash buffer. I have never once opened those out of curiosity. Then there is about 9k in p2p, split between mintos and 8lend. I devote most of my time to this area and my position in it, because of the risks and potential profit. Loans mature, interest posts monthly, the secondary market has listings to scroll through. Consumer credit in one place, business lending in another, secured real estate in the third.
Different risk in each and it feels like there is a decision to make.

The index fund just sits there and gives me nothing to do.

That is probably how people end up in single stocks, REITs, dividend strategies, gold, crypto. Not because the after tax expected return is better. Because those positions react when you look at them.

So is this normal or just me. Do you also spend your time managing the smallest allocation you own, the one that could go to zero without moving your retirement date, while the position that actually decides the outcome gets opened twice a year

37, Vienna, IT. Invested net worth around 240k, no property, no dependents yet.

Ran the numbers in 2023 and got the answer everyone here gets eventually. At 5 percent real, what I already have compounds to roughly 730k by 60 without another cent going in. My spend is about 34k a year and Austria has a state pension that will cover part of it, badly but it will cover part.

So the coast condition is met with room to spare. I still contribute, maybe 900 a month, mostly out of habit and because stopping feels weird.

Here is the part nobody warned me about. The moment the math stopped being urgent, all the optimising I used to do lost its point and I kept doing it anyway.

Eight years of comparing SXR8 against VUSA down to the third decimal of the TER. Accumulating versus distributing, twice, from scratch, because I forgot my own conclusion. Read half a German forum thread about Vorabpauschale before remembering that I pay KESt in Austria and it does not apply to me. At some point I was reading about Dutch box 3 rules and I have never lived in the Netherlands.

And the attention problem got worse, not better.

Core is 180k in a FTSE All-World position, a small aggregate bond sleeve and a money market ETF holding maybe eight months of expenses. I open those roughly twice a year. Then there is about 20k in P2P lending, Twenty thousand out of 240 and it gets most of my thinking.

Obvious why, loans mature, interest posts monthly, there is a secondary market with listings to scroll.
Consumer credit in one, business lending in another, secured real estate in the third. Something changes when you look at it. The index fund does the actual work and gives me nothing to react to, which is the entire point of it and also the reason it bores me.

I suspect coasting does this to people and once contributions stop being the lever, the brain goes looking for something that still responds.
That is probably how the dividend strategies and the single stock sleeves and the rental property plans start.

Anyone else find that hitting the number removed the reason to optimise but not the urge? Curious what people redirected it into once the spreadsheet stopped needing them.

Location: Portland, Oregon.

I (31F) have been renting the same apartment for about 4 years. Quiet building, nothing special. I keep to myself and never had a single issue with management before this. About a year ago a girl moved in next door.

We started saying hi in the hallway and she kind of latched on. She'd bring me food saying she made too much, take my packages when I wasn't home, that kind of thing. I wasn't really looking for a friend but she seemed nice so I went with it. She'd sit in my kitchen talking about her day while I half listened, also we messing around on my our phones playing online games. Tea, small talk. Nothing you'd ever think twice about.

Couple weeks ago I get a notice from building management about complaints against me. Turns out someone has been reporting me for almost a year. Noise, "suspicious activity", possible lease violations, with dates and approximate times.

My first reaction was that they mixed up the units. Then the manager told me most of the reports came from next door. From her. I didn't fully believe it until I asked her directly. First she acted confused, then she dropped the act and just said "I reported what I saw, that's my responsibility as a tenant." Like the whole year never happened.
So now there are official warnings in my file and eviction is a real possibility and the cherry on top, I found out she applied for my apartment. Mine is cheaper than hers. I keep replaying the year trying to figure out if any of it was real. The times in some of those reports line up with evenings she was literally sitting in my kitchen. I sound paranoid writing this out but I don't know how else to read it.

Can a landlord in Oregon move toward eviction based mainly on repeated complaints from a single neighbor, especially if those complaints may be exaggerated or misleading?
And what options do I have to challenge or dispute these complaints before it escalates further?

Honestly not sure I even want to live next to her anymore either way.