Only wish the rental market was easier and buying flat (for self-use) was actually possible for normal folks without taking 40-year+ mortgages.

While most people do prefer warm weather, let’s not forget that weather is a subjective thing. There are people who prefer cold and don’t mind lack of sun (like me).

Decaying pension system is a valid point but I am able to save quite a bit in ETFs working in DE so don’t see that as the biggest issue.