I was wondering why this video has gotten an increase in views lately :). I hadn’t watched in a long time, it was fun to see it again and hear your positive feedback.
@@HailHeidi Trust me a lot of Danes loves this couple and their daughter. More of people like this to Denmark plz.. Coming from a Dane, who have seen most of their content and really love them. Ohh ya remember to agree that Maya needs her drivers license and a beginner car :p
@@HailHeidi there are some americans that game across the pond to travel through scandinavia, he got sick while traveling in denmark, he was hospotalized. the first thing he was asking was, what do i have to pay and where to put the money. the nurse just laughed and left the room. he was like "what the frick is going on". 2 days after he posted a video about the situation. he wasent charged anything even as traveler :)
I am Danish and my mother has just been hospitalized for 5 weeks. she was diagnosed with a rare disease and was close to death. she was on a ventilator for 10 days, and thanks to our skilled doctors and, our high taxes, my mother could just walk out the door after she recovered. we talked about how it was good that we lived in Denmark, and if it were in the US, we would be in towering debt. thanks for your video. :)
In the USA low income people get insurance and pay for nothing. It’s covered by taxes and people who pay private insurance. The only people in debt are those that are wealthy or working but underinsured. Most people with insurance have a deductible. What screws the middle working class is all the lazy and drug addicted people.
🇸🇪 here. Like several commenters have pointed out this applies to most european countries. You pay quite substantial taxes, BUT you also benefit a lot from them. What is not mentioned at all in this video are all the other work related differences. Did you know that ALL European countries have several weeks of paid vacation each year? Your employer is by law obligated to grant you a yearly paid vacation (depending on country ~3 - 6 weeks}. You have a right to paid maternity (+ in many countries paternity) leave when you have a child (length varies). You DO NOT have a cap on your yearly ”sick days”. If you’re ill - you’re ill. Medication is VERY MUCH cheaper due part to national purchasing agencys, price caps and subsidization of vital medicines (example: I have diabetes type 2 and pay 0 (zero, zilch) dollars for insulin.) Of course all this is also paid from our taxes and I think it is well worth adding to the video.
@@jeffersondasilva7745 "But I wonder what happens in the US: people just die or become homeless?" either that or they go into debt or beg for money through apps like GoFoundMe.
Insulin is a CANADIAN patent that sold for ONE DOLLAR to keep it affordable, but the USA greed system will not agree. Universal health in CANADA and less taxes than USA too.
Denmark have several weeks of paid vacation each year.. 6 weeks.. and 7 holydays is paid by your employer..👍 Your employer is by law obligated to grant you a yearly paid vacation..👍 Greetings from Denmark.
I'm born and raised in denmark, and I thought I'd give you a peek into my finacial situation. You can then compare it with your own: My life situation: I'm a 29 year old healthy young man, living alone in a rentet apartment of 60 square meters, that is in good condition. I have no wife, GF, kids or any other assisting my living. I have my own car (Hyundai i10 1,0 hatchback; Plenty for my needs), bike, gaming computer, VR headset, server rack, washer, dryer, storage room, bathroom, livingroom, full kitchen, bedroom and balcony (there is ground-, 1st- and 2nd floors. I live on the 2nd). There is a common starway between the apartments, and no noise can be heard from the other apartments. I'm a licenced common electrician and have been so since July 2014. I currently work as a quality control tester for a company making service panels and I work with power ON most of my day, and recieve a small pay bonus for that. The other thing is to do that, day in and out without incident, you have to know your shit as these power levels can kill. This work is not for the idiots. I receive just under 200dkk/hour (~28,68usd/hour) before tax in pay for my work, witch is lightly under the average electrician pay in denmark. I have a 37hour work week. 5 weeks of payed vacation, 1 week of payed time off, payed sick leave, FREE health care, and pay 39% tax of my earnings. I'd like to mention that I've had 6 sick days in total in the span of this report, witch I get payed for and is included in these numbers. An afterthought is that I don't owe anyone any money as of november 2022 where I've payed my car off. I'm currently abserlutly dept free. Numbers here after is AFTER tax has already been deducted, so this is what I pay in and out of my account. These numbers is the average over the entire year 2021 to 2022 (november to november) for EACH MONTH (you can multiply them by 12 to get my yearly living on your own time). Some of the categories are not payed each month, but just get reflected as an average. I calculated dkk (danish kingdoms cronws) into usd (united states dollers) by multiplying dkk with 0,14 to get usd. THESE ARE ACTUAL AND FACTUAL AMOUNTS: INCOME: * Paycheck (money added directly to my back account and again I have already payed my 39% tax off on these): 21.490,83dkk (3.008,72usd) * Heating return (I prepay my heating in advance and the rest is returned at the end of the year. I have never used more than what I've payed for): 144,47dkk (20,23usd) * Tax return (Overpayed tax is returned in april from the previous year in its entirety. I have never personaly had to pay anything extra in tax, but it can happen): 389,67dkk (54,55usd) * Lent money return (I've lent some money out to family, and recieve them in small chunks over the year at their own capacity to pay them. I don't charge anything extra for these loans. Just pay the original amount back): 1.041,67dkk (145,83usd) EXPENCES: * Rent, water, heating, TV (all payed to my landlord in one go): 6.140dkk (859,6usd) * Electricity: 347,99dkk (48,72usd) * Fuel for car (My car uses "benzine 95 octane unleaded"): 1.353,7dkk (189,52usd) * Green tax (an enviromental tax specific to each car class): 55,83dkk (7,82usd) * Car service (repairs, service and the like): 760,95dkk (106,53usd) * Car and apartment insurance (they are held by the same company and are payed togeather): 511,56dkk (71,6usd) * Union and A-kasse (If I get fired from my job, my union will pay about 80% of my paycheck and help me get emlpoyed again. They also offer legal help with many things related to work): 1.054,33dkk (147,61usd) * Car loan (I just finished paying loan for my car november 2022, from a period of 8years, but it is still reflected in last years report): 1.309,4dkk (183,32usd) * Internet and mobile subscribtion (held by the same company and payed at the same time): 532,75dkk (74,59usd) * Streaming services (Netflix and the like): 149dkk (20,86usd) * Taekwondo training (I do taekwondo 2 times a week if I'm able): 130,67dkk (18,29usd) * Food (a fixed amount set to about 100dkk/day and should in a normal household of just one person be 2.300dkk. Mine is a little higher because I go out to eat a little more often): 3.000dkk (420usd) * Cloths (replacing cloths, shoes and the like, also a fixed amount set aside each month): 250dkk (35usd) * Gifts (money for birthdays, moms/dads day, cristmas): 575dkk (80,5usd) * Equipment (budget for replacing/maintaining equipment like kitchenware, electronics and the like): 500dkk (70usd) * Dentist (I have a fixed apointment for a checkup at the dentist 2 times a year. In 2022 I had an old filling break and I had to get that repaired): 163,79dkk (22,93usd) * [Outside of category] (This is the average amount/month I use excess to have fun, party, buy myself and others nice things, go experience something and the like): 5.631,76dkk (788,45usd) NET ACCOUNT GROWTH OVER THE YEAR (+=gain, -=loss): +600,01dkk (+84usd) If i hadn't used the "[outside of category]"-amount and lived a tight budget, witch I can do if I want to because everything is already accounted for in my budget for a comfortable life, I would have the following in excess EACH MONTH on average (and easily at least a little bit more if I saved more): +6.231,77dkk (+872,45usd) I also keep a healthy buffer on my account of about 2 times my paycheck so about 40.000dkk (5.600usd) in case of BIG EMERGIANCY like pay for a new car, fire and the like. This buffer still stands even though covid lockdown. You'd proberly notice that nowhere is there mentioned healthcare and other things. That is because it is handled as a part of my 39% tax by the state. Everything here is ALL of my expences. I havn't been to the hospital or any other emergiancy thing in 2022, but if i had, it would have cost me NOTHING but some time and payed sick leave (if applicable). If you are curious, I do take questions below. 👇😊
I'm a 76 year old danish guy and I was diagnosed with colon cancer 5 years ago.. Hospitalizes, scannings, binocular surgery. They started the binocular surgery and 4 days later I came home, same day I was walking my dog. Yearly followup by scanning etc. and still no cancer, Bravo. Well, well they say it is free of charge, I had to pay a total of $0,25 for painkillers. The hospital forgot to write me a perscription 🙂
"Oh no"... Hehehe, yeah as a fellow scandinavian, I'd take such a thing/amount on the chin rather than make a fuss about itafter the service I've gotten.
they forget that we have a personel deduction fee that are drawn from the gross pay before the tax is drawn and then added when tax are payed 50.000kr - pd5.000kr = 45.000kr-tax could be 45% = 20,250kr so 45.000-20.250kr=24.750 ad the pd 5.000kr = 29750kr thats net salery the deduction fee is different for all, so this is just an example.
The stress and uncertainty of not having universal healthcare must be so horrible, I can't even imagine if I always had to fear living because any accident or health problem might send me into debt. On a side note: Move to Denmark! :D
The idea is that in the US, you should take the money saved from less taxes and buy health insurance. The problem is that greed still seeps into that , and it doesn.t always work great. There are pros and cons for both systems. Overall, I do think the Danish system is better, yet manageable with only 5 million people.
oh, i know europeans who work in the IT and went over to the U.S. to show them how it is done. They have a good life.. big bucks, all kind of perks negotiatied into their work contracts. Gonna be interesting to see how it is going once the business is down for some years... that is when you see the difference. In europe youre helped to keep your house that you paid off only 43% so far - , your medical needs will also be covered after you lost your job - sure, you have less income than before. your life standard will drop and you may have a hard time paying some of the bills that the state will not cover for you. (cancel netflix, eat shittier food) But they keep you off the streets in front of your own personal PC which enables to you search and find the next job. Unemployment offices and agencies try to get you back into employment fast at no cost for you. Some euro countries are better than others - but collectively - you got a better chance at survival when you get through no fault of your own into a difficult situation. Double shifts at two different burger restaurants to pay for the medical bill of your child as a single mom? that is solely an american way of life. But then again, theyre "brave and free...." while everybody else consequently must be chained cowards. If you shit in your bunk, you clean the sheets as they say in the US-Navy :) Dont move here yanks to grab a nice new european bunk, clean your sheets instead. We already have a big enough influx of refugees as it is. Turn your nation into the place that warrants the pride you already express on the 100.000 flagpoles per square mile. (or is that just a reminder for the geographically impaired, to remember which country theyre currently in?)
Please stay where you are. We don't have the capacity for more people in Denmark as it is. Taking care of our own before anything else, is what I'm about.
I moved to Ireland in 2000, but wasn't really happy there, so in 2006 , I moved to Sweden, which I absolutely love! To the extent that I've become a citizen. The taxes here are a bit higher than they were (for me, anyway) in the US, but out of those taxes I get free education, *very* affordable health care and drugs, a stipend each month to both me and my partner, to help support our son (this is given tothe parents of every child in the countryregardless of their income), over a year of paid (by the government) time off between us as parental leave, and paid time off(again, paid by the government) if our child is sick. The government also pays for 15 hours a week of child care, for all children, and we pay a bit over 40 dollars a month for the rest of his child care, which is about40 hors a week, give or take.
As an elderly person, now 74, I had a very serious traffic accident in my youth, and could have become lame. I managed to recover and worked till my ordinary pension, except for two years on support, as my firm for 20 years became sold and changed. My father, who died in 1954, suffered from a serious Diabetes from his youth and got his Insulin paid for, all his short life. This didn't cost any of us anything, as all was paid for by our Public Health Insurance, paid for by our taxes. Only ordinary medicine has a part of it paid for by the person and Doctors and hospitals are also covered by the taxes. We have 6 weeks paid for vacation in Denmark, and 37 hours of ordinary working time, each week.
VAT on everything you buy (25%) + Personal income tax (55.90% , just google this percent + Denmark) comes up to around 80%. You like paying 80% of your monthly income?
@@rochellerochelle1488 My income tax is 37% ALL (healthcare, free school, university, doctor, and so on) included. If you are earning very much you pay a little extra, but not 55,9%.
@@rochellerochelle1488 There is a ceiling on the amount of tax you pay in Denmark of 52,05% as an average of your total income, so you would never get to 55,90%. And you would have to have a very large income to even hit this ceiling of 52% for the taxes you pay. In Denmark we have 3 tax brackets: - The first 6540$ of your annual income is tax free (current conversion rate: 706 dkk per 100$). - The next bracket of 37% tax covers your annual income between the 6.540$ and up to 72.720$. - Only the amount of money you make on top of the 72.720$ would be taxed by an additional 15%, so 52%. In addition to this "normal income tax", there are a few extra semi voluntary taxes most people pay, such as church tax if you're a member of the danish church. The theoretical top marginal tax if you sum up all possible additions would therefore be around 55-56%, but as I started this comment saying, there is a top ceiling on your average tax that means on average between your 3 tax brackets and voluntary taxes, you would never pay more than 52,05% as your average tax. As an example: a person making 100.000$ per year would be paying 6540*0% + 66.180*37% + 27.280*52% = 40368$ in income taxes. This averages to 40,37% in taxes (+0,89% church tax). Only if your income is very large - say 1.000.000$ per year, would your taxes be upwards of 50+% taxes: 6540*0% + 66.180*37% + 927.280*52% = 508.908,27$, which averages to 50,89% (+0,89% church tax).
In the US, you as an individual want to be healthy, because you are paying the bills. In a country like Denmark, the government/state wants you to be healthy too, because they pay for your medical bills. This creates an effect where the government makes a lot of regulations and educate its citizens on how to live a healthy life, including food regulations which helps to protect you from eating or drinking harmful stuff.
Danish here, and just found your channel. As I'm curious I actually watch some of these videos by people who've moved to Denmark, especially Americans. It's a way of learning more about their countries (as they make comparisons), and how they view Denmark and the Danish people. The Youngs are some of those I watch, and another channel I can recommend is Robe Trotting. They've lived in Denmark for 5 years, I think it was, and make a lot of videos with tips for expats moving to Denmark. Those two channels are probably the best that I've come across so far
Nice video, but left out a few things like the 25% tax on everything you buy called moms. Cars are heavily taxed at 180% for any amount above about 50.000 kr. However for electric cars you only pay 25% below about 400.000 kr. Most education is free and you get paid to study. And in Denmark you have at least 6 weeks of vacation each year.
Hi, Heidi I'm a Romanian guy living and working in Denmark, ironically enough I work remotely most of the time (Node JS back-end dev), so really I could have worked from Romania, but NOOOOO, my company insists that I work remotely from within Denmark. Denmark is great, it's clean, people mostly keep to themselves and the rural areas are super super quiet and calm. I'm lucky to have my best friend here with me, he's been living in Denmark for over 10 years and absolutely loves the place. So, in conclusion if you can, definitely move to Denmark or Europe, if you want to experience a different type of society.
Thanks for the kind words 😃 Romania is inside eu, so that makes it different.. You can come and go as you like in dk.. If they come from outside eu they need to have a job that makes almost 100.000€ a year (some IT workers and healthcare workers are exepted) That is a high salery even for Denmark.. They also need to apply for citizenship if they want to stay when they dont have a job, and that is a long and hard proces. (Almost10 years) I am deffently happy i speak danish, good luck learning it 🤣 i learned to speak dutch as a adult, and that was not easy Not many laungeges are harder to learn the danish
It's pretty normal to require that. It makes paying your salory and taxes 3-4x as expensve to handle, if you live in a different country, since they would lose out on deductables, because you won't be required to pay taxes in Denmark. So they need much more due diligence, to make sure that you pay taxes. Or they would become complacent in tax evasion, which has huge fines in Denmark. And EU rules only gives you the right to work a danish job, if you reside in Denmark, unless the company you're working for, has a Romanian subsidiary. If this was not the case, pretty much all companies that has remote positions, would just have an irish subsidiary, and people living the country with the lowest tax rate. But it would wrech havoc on national finaces, and currencies that isn't locked to the Euro.Which is pretty much the whole reson, for why the Maastrict treaty was rejected by Denmark, and still sets certain limits for the country to this day.
It seems they forgot to elaborate on the college fund issue. In the US you need funds to study. In Denmark you're paid a salary to study at university.
In Denmark, not only is education free, but the government actually pays you during the education after 9th or 10th grade. About $900 a month plus you can get an additional $400 a month as a loan.
The price of food is now even slightly higher in the USA compared to Denmark (which include a higher VAT sales tax which they do not have at all on food in England) On the other hand, you earn around $1,000 less a month Net after income taxes in the UK on average compared to Denmark (and probably also to the USA), so you also have much less money to spend on grocery costs on average in the UK, which probably explain the lower prices.
Americans have too pay tax on your income while working in a foreign country to the American government. Most Countries you only pay tax for the country your working in. So Americans are hit with income tax twice due to the American Federal Government's
@@robertmurray8763 .. The US and Denmark have had a tax treaty since 1948 that was updated in 2001. The current treaty protects both countries’ citizens from dual taxation, but shares information about the financial dealings of their taxpayers. The agreement also sets forth the rule on which country’s tax system to follow. So, if you are a US expatriate living in Denmark, it is important to consider the US-Denmark tax treaty rules to determine whether you need to pay social security taxes in the US, or Denmark, or both. Whether your job in Denmark is for a Dane company or a US company is the main determining factor. Any foreign earned income for a US expatriate living in Denmark and paying taxes in Denmark, entitles you to exclude the 1st $107,600 of income from your US taxes. The expatriate scheme allows expatriates who earn a $9,000 salary monthly in Denmark to pay a flat rate of 32.84% for up to 7 years. In addition, there is a structure for expatriate taxes who are considered either researchers or highly paid. These people can choose to pay taxes at 26% of their salary for the initial 5 years they are in Denmark. But no dual taxation.
Danish Guy here... A friend of my dad moved to the states age 18. Became a business man and is very succesfull. Growing up, I wanted nothing less but to leave Stupid Denmark behind. And pursue my Dreams, (the American dream) expensive cars several houses, pools and the fast life. I've been traveling around the world with my line of work. And I never appreciated being an "average Dane" more than I do now. I'm 37. Got a Fiancé, 2 kids. (Child birth in DK cost 0$ by the way) A new house on the country side. And will never be a millionare, as of American standarts, but I couldn't care less... I live in a country with a safety net, if I am without a job for a while. Where my kids can get the education they would like. And be payed to attend school. My family has a history of bad cases of illness. And if I am sick tomorrow, I will be taken care off, from day one. Both financial and health wise. If I ever moved out of DK, it would only be to gain more experiences. I can highly reconment you moving to a Scandinavian country. Or Germany as I know many American's do. But in regards of the Language, moving to Denmark would only be an issue learning Danish, cause every time you would try to speak Danish, they will hear you are not from here. And answer you in English. If there are any questions regarding Denmark, I would be happy to answer. (On the matters that I can at least. 😉) Happy hunting for a new place for you and your husbond. 😀
You're country Denmark is not stupid it's great The Divided States of America on the other hand is stupid period just look at how they treat their own people seriously America should be ashamed of itself Denmark is awesome. Other than that a great a comment👍 And greetings from the Netherlands🇳🇱
Hi, i'm also living in Denmark for more than a year now but i'm not sure if there are many people out there who like motorcycles; In Copenhagen most people use bikes, and some more wealthy ones cars. I have imported a 600cc second hand scooter from Greece, and it was a pain in the @ss to pass the syn and register it but being a mechanic helped me succeeded. Danish market is also very poor and expensive on buying consumables (engine oil) and spare parts, which i buy from Greece or Spain, delivered by post in home. Dba has only very old motos on sale (80s, 90s). Would it be worth if someone pushes new, second hand but not very old models and electric MCs on the Danish market?
Hi Bird. I dont know about the electric marked. I live in Jutland. And MC's might be a bigger thing here. Plenty of my mates got bikes. I dont atm. With the new house and everything. But I can allways borrow one from a mate, or my dad. The marked for old mopeds have sky rocket the last years. My puch maxi and Piaggo Ciao are worth alot more now than before. We have a mate in our circle of friends that live in Italy. He is bringing 5 back to us on his next trip. Maybe there is a marked there...?
@@martinskytte3686 Thank you for your answer; I'm currently importing a Maxsym 600i and waiting on how much will i have to pay on registreringsafgift to get the DK plates after. I am from Athens, and that city have a ton of second hand MCs on sale for low prices. The only you need are some checks, in order not to buy one with a serious damage and not with reduced odometer. There is also an electric MC model 'Silence S01 ' from Spain. It could be good for CPH, as the street parking for that would cost 0kr, because elbiler and elMCer are free on city center parking.
@@birdakasiakwvos Late answer. first, using a bicycle in Copenhagen is not influenced by your wealth. There are high paid CEO's and executives who will ride a bike to and from work because it is easy to get around town on one and you can always find a spot to place your bike while being at work. Most likely, most people also have a car standing at home if they use to go outside the city for some reason or need to haul bigger and heavier stuff somewhere on occasion etc. So, bikes are used by people of every walk of life and wealth, simply because it's much easier and more convenient for them inside the city and most of the suburps. Second, Using Dba is good for a lot of things being bought second hand. But cars and motorcycles and mopeds/scooters are not among these. You can find a lot of websites in Denmark where you can look for a better/newer vehicle in each kind, as well as spare parts for them. There are websites for each category and even some where they combine both the vehicles themselves and the spare parts in their site, and some even for specific models of each. You only have to do a litte search for them if you don't already know them. And trust me. It's worth looking for them. Going to syn for registering an imported vehicle of any kind is always a hassle. Because there are rules and regulations on each type that depends on age, make, model and what needs to be on each to be covered by the rules in Denmark (which is not always the case in the country you are importing from even on the same make and model and year of fabrication) and these issues have to be solved before you can actually get it approved and registered to drive on public streets. If you ever tried that in the US or Greece when you were still living there, you would actually have run into the same obstacles there, as they have the same kind of rules adjusted to American Greek conditions and specifications of legality. In fact, most countries in the Western world have these rules to some degree or other. And even a lot of countries outside the western world. So regardless of where you had opted to move, your problem with getting the vehicle approved and registered from import would have faced similar issues to overcome. That's just a common fact of life that you cannot avoid.
Hi Heidi, You and and the whole family are welcome in Denmark in my opinion. I have been watching multiple of your videos and I love how you visualize the the "free to use vs. tax" amounts by using your hands cutting of more and more (in the end of the video). Well, you got a subscriber from Denmark :D Br. Carsten
Also, I would like to mention HOW I declare my taxes in Sweden ;-) Each year my employer, bank etc send info to ”skattemyndigheten” (IRS). In march IRS send me a copy of my years income/debts/tax and residual tax/tax refund. I log in to my tax account, check the numbers and - if they’re OK (usually are) - sign digitally with my secure ”bank ID” - took me 15 min last time.
Pretty similar in Norway: Sometime in March (if I remember correctly) - you get a message that your tax calculation is ready to be checked online. You log in to the common govt. digital platform with you bank ID (this ID you use for everyday banking, online purchases, etc.). About the same time the same information arrives in your mailbox on paper. The calculated tax is an already filled out form that includes your income, debts, wealth and how much you have paid in tax - and how much you should pay in tax based on the numbers. The numbers are automatically reported as mandated by law, by banks, financial institutions, employers, etc. At the end of the calculation, it states if you are getting money back or you need to pay more in taxes. It is your responsibility to check that the numbers are correct. If the numbers are correct (they usually are - unless you have a complicated economy) - you click the "sign" button online - before the deadline (end of April if I remember correctly). If you think the numbers are incorrect - you change them in the online form. Technically - you do not even have to sign. If you have not signed by the deadline - it is automatically signed as accepted when the deadline is past. So, for most people it is as simple as logging in, look over the numbers, then click "sign". It can be done in a matter of minutes. If you end up with "remaining tax to be paid" - it will usually arrive in the form of two bills (to make it easier to pay) that is due in two different months in the following autumn.
Denmark is typical for Europe. Affordable Healthcare, Education and Public Transport are payed partly thru taxes in many countries. Another typical European thing is, that we are actually interested in what other people think about us. This helps to make this kind of channels pretty successful. Especially in Germany, you can find a lot of them. Here are some Examples: NALF (Nick Alfieri, is an American Football Player in Germany) Feli from Germany (A German Girl that moved to Cincinnati, doing a lot of videos about the differences) The Black Forest Family (Family that moved from the USA to Germany. They made comparison videos about cost of college between Germany and the US a few weeks ago) Not Just Bikes (Canadian who moved to the Netherlands and talks about City-planing and Transportation) Dutch Americano (American that moved to the Netherlands, talks mostly about the little things that make a differences in normal life)
Denamrk doesnt have affordable healthcare and educations. Its completely free (paid 100 % via taxes) The public transportation system in denmark is however very expensive. Its very good. Reliable, clean and you can find routes pretty much anywere you need to go(in major cities) But its expensive, AND if that wasnt enough, they also recieve support from the government. I personally suspect its an area were we actually have some corruption involved. Corruption is extremely rare in denmark so its a big thing with a claim like that
Great list of recommendations! These are the ones I watch on a regular basis. There are a gazillion options of Americans YT-ers who moved to Europe to choose from. I would add Evan Edinger in the UK and will highly recommend Hayley Alexis in Germany. ‘Jovie’s Home’ is a nice one as well, as is ‘Exploring the foreign’, both in the Netherlands. There are also plenty in other European countries like Italy, France, Portugal, Denmark etc.
Despite the taxation Denmark and Sweden have more ultra-high-net-worth individuals($30 million plus) per capita when compared to the US. Taxes when used right are an investment and not charity.
10:30 The narrator compleatly forgot to mention that danes in Denmark, not only have "free" education, but that you actually get paid to study in Denmark from college degrees or equalevant and up.
Robe Trotting are a couple that moved to Denmark - they offer an intimate perspective of moving from the USA to Denmark and talk about the positives as well as negatives :)
The best way to compare countries is comparing serivces not only taxes. You pay taxes but in EU you will get part of it in services. For example healthcare but not only. Every EU country negotiate drugs prices with companies. There are some medicines that are refunded by goverment so you will pay a litte of its price. Also when you lose your job you can get some support. All of these are founded by taxes. So you pay more and get more. And there are no suprises - you know how much you will be paid every month. Also when you are sick, you dont go to work and you will be paid.... so you can be off work for example one month and you will not starve or be homeless because you will not pay a rent. As my grandmother said "peace of mind has no price"
There's a channel called "Kelly does her thing". She made a comparison between Germany and the USA about the different use of the taxes in those 2 countries and she found a similar and entertaing way to demonstrate it. Look for "German Tax Euro Questions American Tax Dollar’s Priorities".
I am Danish , i have followed traveling Young for a couple of years , and their awesome , if you vant to move to Europe pick Denmark ,Sweden or Norway they are very similar besides geography , and you will have a life where you can live your true potentiel❤
What you take home from your income is incredibly difficult to calculate here in The Netherlands, because this is calculated based on how much you earn and how much you receive in subsidies. For example, someone who earns 20.000 euros per year pays nearly no income tax and gets full governmental subsidies on housing and healthcare (for which the net amount also depends on your housing situation), and someone who earns 80.000 euros per year pays a higher income tax and gets no governmental subsidies. However, doing the taxes at the end of the year is super easy, as everything has already been calculated for you, you just have to check if it is correct. And getting the subsidies is as simple as signing up and you get the money in your bank account every month...
You asked - I moved first to London, England and than ended up in Denmark 🇩🇰. I am originally from NJ - it has been great to travel and settle in another culture - you learn so much about yourself. Just do it
I know 2 couples and 4 single people who moved away from the USA. One came back but the others are very happy with the choice they made. One guy even found the love of his life, oddly enough in Denmark.
Being a dane i will say that we also do a lot of dumb stuff. However if there is anything is this world i would wish for everybody to have than that would be free healthcare and education. Free healthcare means that you will never have to worry about your child dying for economic reasons (which is just sad). Free education means that you wont have to fear your child having unfair disadvantages in life and ensure them the possibility to choose what they want to do in life. If these two things should not be a pilar in any society then i do not know what should. :) Great video. :)
I live also more than a year in Copenhagen, from an almost totally different world culturally (Greece). I really enjoy here and despite i was considered a middle income person in Athens, my standard of living went even higher (i don't mean the ability to buy stuff so much). A safe, clean city with few traffic accidents, not too much traffic, a not so cold - not so hot climate, calm people, a social system (i actually never used), less people are very poor and socially excluded. ...but all these don't mean that that place is ideal for everyone; It depends of what kind of life you're looking for, what are your priorities etc. The biggest challenge i faced here is everything that has to do with transportation. public transport is expensive, and many times there are delayes, cancelled routes. Private cars are expensive to own and maintain, Motorcycles are few available and most of them are very old, so i decided to import one. The first MC i imported got stolen 10 days after in christianshavn region, so i imported a cheaper model after that. Also city center street parking is paid except of Sundays. Conclusion, if you want a stable and fairly good standard of living, and laid-back society where everyone is treated more equal than on other countries, Denmark is for you. If you like a rich, posh life with expensive cars, fast motorcycles, endless nightlife and pay for xxx pleasures, you better steal a bank and then move to Greece 😂😂😂.
As I noted earlier, look up "The Black Forest Family" or "My Merry Messy Life" if you want to know what it's like to move abroad. Those two channels show it best from my perspective as a German if you want to move to Germany. Best Regards
If you want to know more differences between the US and other countries check out Andrew Austin. He lives in Sweden. He has many videos about that topic. There are also Stefan Thyron. (Not sure about the spelling of his last name). There are also a girl named Kimberly Sorce who just moved to Sweden. Hugs from Sweden.
Also dane here, remember that all Education are free here, College, university ect. And you get around 960 dollars a month if you are older that 18 and not Living with Your parents from the gowerment when you study. My oldest have a small apartment and a horse and she Can get by with the money from the gowerment. 👍👍
About moving abroad. It really depends on your education, language skills and what are the key values you are looking for. Some places need different kind of skills, and without knowing the language, you might need to start at a lower level than what your professional skills suggest. Some field are regulated, so before you get approved according to local directives, it might take some time. Without knowing your education, some fields that are easy to find a job. Marketing, programming, nursing are searching skilled workers all over Europe. You might also decide on what kind of life you are looking for. Do you want to live in a big city, or in the countryside? Are you ready for a place with cold dark winter and long summer days when the sun never sets, or is a more stabile mediterrenian climate more for you? If safety is a key factor, you might consider a small place where the biggest threat is the somebody got lost and is asking for directions to find back to the town center. And if you working a field where distant working is possible, high speed internet is working well in europe and price are affordable with no limitations on the amount of data transfered in several countries. It all depends on your life path and goals you put for yourself. All I can give as advice for now, put your skills, goals and ambitions down on paper. Once you know what you want, I 'm sure people are willing to help out to the right contacts you might need. Good luck, whatever your path leads to.
I agree with this. And it's important to never forget to add your own country to this list. MAYBE your own country is the ideal place for what you want. But ideally you also don't prioritize your own country. A lot of countries can fit a lot of different people. If you enjoy people smiling at you on the streets stay South. If you like people to leave you the fuck alone in public go North(obvious generalizing here) Neither are wrong. Just go where things fit you.
Also, in Denmark you have 5 weeks paid vacation by law. In addition to the 50k/month salary, the employer has to pay 12.5% into a holiday fund and when you take your vacation you will get paid for corresponding days you take vacation from the holiday fund. Pension contributions are also regulated. Typically the employee pays one part, for example 5% contribution and then the employer doubles that, 10%. Typically the salary number you negotiate is after the company paid pension and holiday contributions, but before taxes, so in reality when you get a contract of 50k, it's actually more like 62k. But also take note that as you earn more, the tax rate gets gradually higher. So if you are a part time worker while studying and make 4000DKK per month, you only pay 8% taxes, if you make 20k the effective rate is around 31%, at 50k it's 36% and if you make 200k per month you actually cross into the territory where you pay more than 50% in effective taxes. Most people fall into the range of paying 30-35% though.
I don't know if you are faking because your audience is probably all european, but it doesn't look like it and you give me SO MUCH hope in humanity ahaha. Subscribed
another great reaction, i moved to the uk from the states and i think its an option you and your husband should consider, alot of commonalities to the us but some nice differences, as i think you have already seen like healthcare and a lower cost of living, more diverse and closer to europe, for example travelling within europe from the uk can be as cheap as $150 to go to spain or any country in europe for the weekend. loads to discover and the food choice with the many countries so close is well worth it. i would recommend it especially with the way the us is going, imagine not having to worry about crime when out on a night out. where i live in the uk we arent stressed if i forget to lock my doors at night. one love
The lack of fear and sudden costs is always going to be the nr. 1 thing about many European countries imo. The end result stops mattering as much when you can just stop worrying about money. An above average income family can easily live paycheck to paycheck if their jobs are in demand because basically nothing will happen that will actually put them in trouble for basically just saving say, 25k, and spending the rest by the end of the year. My parents would just blow their money on family holidays as a nurse and teacher because having no savings from previous year just doesn't really matter. Skiing in the Austrian Alps or staying at a nice hotel in Southern France or going to Thailand or South-Africa. Or they would just take some time off and just the 2 of them would go to Malta for 3-4 days.
In Denmark the most expensive stuff financed by taxes are the healthcare system and the educational system. Although our politicians say otherwise, they are butchering both systems. This has gone on for years, and it is still going on, unfortunately.
I've seen their video before. It is one of the most non-confrontational videos on this topic I've ever seen. Their approach to this is so wholesome yet also incredibly valid in their factual basis. Sure, you can discuss the POSSIBILITY that you might NEVER EVER need health insurance, and you COULD have possibly saved all that money. But the reality is that there is an almost 100% chance that sometime in your life you WILL need serious healthcare like a hospital stay. If, like in the USA, you pay everything out-of-pocket, unless you are a millionaire or more, you DEFINITELY WILL feel the impact of those hospital bills. No-one in their right mind will think a hospital bill of around $10000 for a BIRTH is sane. That is utterly insane, and an additional burden on the mother during her pregnancy which she should not have to face, in addition to the health risks of a pregnancy, much less actual labor and giving birth. And that is even a pretty planable healthcare issue. Other healthcare issues like accidents CAN'T be planed. At all. Unless you live your life in a huge bubble of cotton wool, never step outside, and don't live in tornado alley, then you MIGHT, potentially lead a life without any major accident risks. But is that still a life, without engaging in anything that might result in potential danger? For me, definitely NOT. So if you engage in ANY activities that might potentially result in injury via accident, there is an incredibly high, virtually guaranteed, chance of suffering unplanned injuries. From minor like scrapes and bruises, right up to multiple, complicated compund fractures requiring months of treatment and physiotherapy. If you have to pay for all of that out-of-pocket consider yourself lucky if had a major lottery win in that time; otherwise you will be dead broke and deep in debt in the USA. Whereas the rest of the civilized world simply hands off any bills they might recieve to the insurance company. If they actually recieve any bills, and not their insurance company directly from the hospital or doctor. Sure, we pay our insurance premiums. Yet strangely enough most, if not all of the countries around the world, levy LOWER health insurance fees than the USA, yet succeed at ensuring virtually 100% for all necessary medical bills. Very minor, two digit bills might be raised against you, but that is usually the limit. For a long term hospital stay. Period. When you loose your job, you still are covered for health insurance; you WILL be treated, and you won't be billed insane amounts of money. Add to that better employee safety nets, worker's rights, unemployment benefits, etc. All of those are covered in general, even when you are unemployed in Europe. This is handled somewhat differently by each country, but the endresult is basically the same. More bang for the buck, and a safety net that removes major financial fears from your life, for a more free, happier life. For THAT safety net, no matter which European country, me, personally, I am MORE than happy to pay a little higher taxes and fees than in the USA, but that I will be certain I WILL be covered in most major parts of life and actually recieve good service for my taxes.
Because health insurance is expensive in the US is your legal system, people see a good business opportunity in suing everything. Therefore, the doctors need to insure themselves against being sued and the insurances are more expensive and therefore your health insurances will also be expensive. It is the minus part of the Danish health system, some politicians often see opportunities in saving money, by downgrading the quality and waiting lists and generally low quality can arise. Therefore, the population must constantly hold politicians accountable.
We actually also get money to take an education. It’s called SU. SU in danish means “Statens Uddannelsesstøtte” in english “State education support”. It is financial help while you are studying. You already start getting SU at High School when you are turning 18. The amount of money you get depends on whether you live with your parents or with yourself. But you only get it if you take an education.
And most important of all, EVERYBODY have access to free health insurance, free education, free daycare (if you are poor) etc. Even if you have never had a job, and never payed tax. And we Danish people love this fact, because we really don't like to witness our fellow people suffer, even if they have not been as lucky as our self in life.
in the whole EU the tax system is almost the same. here in germany its like in denmark. also you get in germany for each child you have "kindergeld" of about 200 euro. also if you meet some criteria you can get also "kinderzuschlag" that depends from your income and financial situation. about the health care in germany. your kids and your partner are mostly covered by this also, with no additional costs. and many more things our taxes are used for. as a student you have to pay a small fee every semester (differs from the university and region you are in but its arround 300 euro in most cases). this fee includes mostly to have a permanent ticket for the public transportation system (this alone costs more than 300 euro if you are buying it by yourself) and many other stuff like lower prices for students at many locations etc.... still not thinking about moving to the EU ? Germany is looking for ppl that wants to move and work here because we have a shortage of workers. for example, if you are a nurse you get work here in a second and in many other jobs it is the same ^^ greetings
Heidi is actually not a rare name here in Denmark. As for moving to Denmark, while I would personally welcome it, you do need to realise that Josh moved here because he got a high paying IT job in Denmark. Now I don't know what you or your husband does for a living, but you do need some kind of an in, in order for it to work, I think. It's an expensive country and even our own young couples have a hard time establishing themselves.
@Roman Gherta In a two income household, it's not much / high. I made 850DKK last year, working as a specialized tech. And the missus made 600DKK working as a lab assistant.
@@persimonsen8792 And I'm "just a low-income truck driver"... with an income just shy of 550.000. My wife is a caretaker (Sosuhjælper) at an old folks home working night shift, and she makes around 400.000 a year working part time.
A Skat (skat = tax) is the tax that a person in Denmark pays, when being in regular employment. The taxes have already been deducted, when this employee receives the money into his bank account. B Skat applies to people who are only being temporary employed for a limited period of time. This person will usually be paid the full amount, and is expected to report the income to the IRS himself. The employer is also obliged by law to report this type of payment to the IRS.
Well as a danish person i can say it's not a bad idea to move here, and friends i have either in the states or south america who wanna study abroad i often suggest my own country. Only thing to be vary of is, our weather can be quite extreme at times since we have island climate. So while doing winter you might leave for work and temps are fine, by the time you go home wind might have picked up quite a bit and now the temps feels like sitting on north pole in a t-shirt. I'm currently a student and when i had to have my heart checked in case i had the same heart problem as my dad, the 3 blood tests, 1 EKG, the 3 day 24 hour EKG and MRI scan cost me a wooping 40 dollars taking the train to and from the hospitals. I can advice it's not a bad idea living here. But the country is quite flat with a lot of fields and forests. Stay safe Heidi :)
A minor thing to add; If you drive more then than 24km (Around 15 miles) to work daily, then you can deduct the extra kilometers from your taxes. I take the train daily, the monthly ticket costs around 1700 DKK (240 dollars). I can deduct around 1500 DKK a month from my taxes, which means that I'll get a nice tax return every year that acts like a bonus because I earn enough for the monthly ticket prize not to phase me.
And that's the problem with the American healthcare. Even if you had good insurance, it could still cost $450 per month or $1000 for a family of 4 per month. And even if you were lucky enough to get ill during most of your life you could, get hit by a car, have a heart attack get cancer and all of these things could happen and that's when the co pays and deductibles come in and then your health insurance rises. Your insurance shouldn't be treated as though it was insurance for a phone as you have a lot more control of what can happen. But healthcare, well you can never know what life may throw you the next day and that's the point. It's a safety net. For everyone.
Okay. I'm an ol' Danish bugger, and not in a super great shape anymore. I went to my doctor this morning, it didn't cost me a single Danish Crown. I will be hospitalized soon, it won't cost me a single Danish Crown. My pension is also payed by the taxes, so my home and cost of living is free. And I even have enough money for travels and other good things, that makes life a little sweeter. It sucks to be sick, but here in Denmark, you don't have to worry about the bills. We take care of each other in our small nation, and that makes me a little proud to be a Dane. And we don't have the words "In God we trust" written on our bills. We take personal responsibility for our actions, and put humanity first. Greetings from Aarhus, Denmark.
Holiday & sick leave differences between USA & Dk have an impact. In Dk (and the rest of the EU & the developed world) there would be about 30 days holiday & unlimited sick leave. So if you have a major illness requiring say 20 day sick leave, in the US you may loose your job and so your work sick insurance, while in DK etc you would keep your job and income while sick and have a job to go back to.
Dane here! You said:"A Skat, what's that?" 😀 ... Skat means Tax. A-Skat is just the type of tax. It's deducted your paycheck before you get it. As opposed to B-Skat, where you are obligated to report the amount to the Danish IRS and pay the taxes of that amount .... roughly speaking! The Danish tax system is extremely complicated, but it's also been made very simple as the employer(s) report the salary to the IRS every year, the bank reports loans, debt, interest payments, your place of residence is know, kids, stocks, if you run your own business, then of course you also need to report storage, sales, VAT, value, purchases etc.... All of these factors have an effect on your final taxes. As it's all calculated you'll either be billed for lack of payed taxes, or get a payment back for over-charged taxes... That's why if you get a raise, change jobs, get fired, sell your house, trade more stock, have kids, purchase an additional house, rent out a summer hourse or whatever, you need to report it in advance to avoid getting a huge bill the end of the year ;-)
As someone living in Denmark, what I will say is that the US has the best healthcare that money can buy. But you get what you pay for, and most people cannot afford the best healthcare that money can buy. As a result, poor people in Denmark are likely to have far better healthcare than poor people in the US. Likely the same with middle and upper class.
Vi have some of the higest taxes as far i know here in Denmark, we are 55-56% (clearly lower for some with lower income). Only country i know that is near us is France, like less then 1% lower. Rest of europe is 45-55%, many in the middle (50% ish). Except i think Norway and Poland is down around 35% ish area.
I would recommend checking the channel Dream Prague. It is a channel of a married couple from the USA, Jennifer and John, who moved to Prague, the capital city of my country, the Czech Republic. A nice small country in the middle of Europe, with somewhere above 10 million citizens. We are in the EU, NATO, and are part of the Schengen territory.
A standard delivery in the U.S. cost an average of $11,200 in 2017 with a c-section averaging $15,000. By comparison, a standard delivery in the Netherlands only averages $3,600 with a c-section working out at $5,000 and they are typically completely covered by insurance providers.
When you go out to eat in Denmark you also dont give tips, the staff are given a liveable income, naturally that may result in slightly higher prices compared to the US, depending on how much you give in tip. Tax are also included in the prices in the supermarket, or where ever you shop, they dont show a price plus tax.
This is not just in Denmark, but pretty much in every European country and many Asian countries as well. Actually it's almost everywhere better than in the US. When I was young I too heard a lot about the greatest country in the world and how amazing the USA must be. Growing up, getting older (I'm 50 now) and learning more about (world) politics and what is going on around the world and in other countries, my view massively shifted. Today I don't see the USA as a great country, to me it's the richest 3rd world country and it's getting worse and worse, looking at the increasing amount of shootings, the whole woke BS, transgender ruining women's sports, kids can not play outside or go to school without worry and so on and on. The US work culture is modern slavery and a lot of Americans are brainwashed into defending (often very aggressively and hostile) this country, even against their own people as soon as someone criticize anything about the US. You are young, get the heck out of this country as long as you have the chance to. There are so many expat channels on YT, watch them, learn about different countries and how the transition is for Americans. Look what fits best for you and your family and start packing. I watch many expat YT channels, because I find it interesting, and I'm yet to see a single expat (single or couple or family) that regrets their decision - it's quite the opposite and many regret not doing it sooner. Best wishes from Switzerland (originally from Germany)
When I heard about $100,000/year my mind was blown out. Here in Spain my best salary as an IT technician (not as developer, but Systems/Network administration) was 25,000 euros/year, and I've been unemployed 15 years because of ageism, because IT enterprises seldom hire people over 35, and I lost my job right before 2008 Global Financial Crisis, which lasted 7 years here.
@@hmcredfed1836 I have applied to 1000+ job offers in the last 15 years and only got *two* job interviews, one in 2010 and another one in 2013. Recruiters *never* answer back in Spain. In 2008, when I had been unemployed just 8 months, a HR girl told me that I had been "too long" without a job, and companies don't like to hire unemployed people. So guess...
I pay 33% in taxes here in Sweden and the healthcare is basically free I think I have to pay like $7 when visiting the doctor. And the yearly taxes / declaration takes like 10 min to do. You just check to se if you are getting money back or have to pay back and then accept it with your phone.
It should also be mentioned that people in the US actually pay a much higher sum of money a year for basic living expenses due to the taxes being basically sneaked into everything else. The tax they deduct from the paycheck is not all the taxes they pay - far from it. Then add that like the majority of that money goes to cops and military (instead of the things that prevent the _need_ for those things), and you have a problem.
When you add other directly subsidised services e.g. kindergartens and most importantly nursing homes the equation shifts even more in the danish direction - My mother ended up on a nursing home for best part of 7 years due to serious dementia - all costs was covered her very small state pension and we only had to cover occasion things like hair dresser - I cannot imagine how I could have paid for that in US or for that matter UK
One thing I wish the US would adopt more than anything is pant (or pfand in Germany) when you buy a soda or beer the packaging has a deposit and when you come back with it you get the deposit back. It's a huge help for low income families or the homeless and then there's obviously the ecological benefits of recycling. 😅
Nordic countries and the US is fairly similar in terms of take home money. Some differences is that in the nordic countries you'll probably pay a lot more if you have a high income, so it doesn't pay to have two jobs or work a lot of overtime in the way it does in the US. And if you have a low income you'll probably pay less, but never zero tax. Sales taxes are higher (not just applied once but at every purchase through the supply chain) But companies tend to pay less tax on their profit, so they can afford to pay you more pr hour, or about the same as in the US, just for fewer hours of work. On the whole you can probably afford more "stuff" in the US then a European can, but your quality of life is likely to be higher in Europe. In Europe you're probably going to have a smaller house and just one car. But your quality of life when *not* using a car is higher because of public transportation, biking and walking actually being viable options here, so not having the second car ends up being a saving that doesn't impact your quality of life. And a better house means less heating, less noise pollution, less maintenance costs, and less risk of your home being completely unrepairably destroyed in a disaster of some kind. Each place has its ups and downs. And there's absolutely advantages of living in the US that you won't have here. But regarding the overall package I'm pretty sure that Europe still edges out the US and has been since the 80s.
In DK. Your Young student Will g’et paid to study about 120 dollars a Month if Living Home ore 830 dollar if Living out. ChildCare is partly paid bye the State in kindergarden so the user cost is about 500 dollars
dane here - "A-skat" is taxes for you primary income. We also have "B-skat" which is taxes for if you have like a smaller part job that dont pay that much. Like if you are a student working at a cafe or as a caretaker at a home for elderly or disabled citizen or a freelancer.
A thing to add here. I am a single mother with 1 child and studying at university. As a person with a single income I get paid roughly 9500kr after tax (1348$) a month and with an added child tax credit of almost 6000kr (850$) every three months. That has meant for me, that I will be finishing university next month and will come out on the other side completely debt free (without having to work on the side). Although I have not had a massive amount of money while studying, I have enough for a 2 bedroom apartment, a car and also enough for my daughter and myself to enjoy life and have some fun experiences together. So all in all I am just so grateful to live in Denmark and have these opportunities.
The bad part about Denmark is that if you don't like the service of the public system , then you can't afford a private provider , because you pay so much in taxes.
As the travelling young said: Taxes are a complicated issue, and thus hard to compare. However, one of the measures that helps to give an overview, is "Government spending to GDP". It is a measure of how much of the economy the government "controls" or "take in to spend". This covers all the different taxes + government debt issuance. I've linked below the Gov. spending of Denmark and the US from a somewhat credible source. If you click on "Max" for time period, you'll see that DK has a persistent spending of between 50 and 60% (the data only goes back to 1990 - but this has been true since the early to mid 1970ies), while the US has been between 30 and 40% with a few spikes. So taxes ARE higher in DK, though free education and health surely is a big part of that (public spending on health and education in DK hovers around 15 to 20% of the public budget each - depending on method of measurement). VAT is DK: 25% vs. US: approx. 8% and (strap in for this one) New car registration is US: next to nothing, but in DK is is: 150% (recently down from 180%). In other words. When you buy a new car in Denmark, you have to "buy" an additional car and ½ in tax. Spending to GDP is the important measure in this debate however, so here are the links: Denmark: tradingeconomics.com/denmark/government-spending-to-gdp USA: tradingeconomics.com/united-states/government-spending-to-gdp Happy country-hunting 😉
I think the guy forgot to talk about what happens when you have a health problem, and you cannot work. In some countries you will lose you job after a short time but in european countries you cannot be fired and there is an insurance that will cover your salary, here in switzerland you will get 80% of your salary when you cannot work and many company even cover the 20 % left. So if you get an accident or get sick you don't have to worry to get broke.
Something you also need to consider, in Denmark there's a portion of your pay, consisting of several hundred dollars every month you don't need to pay any taxes on. Not sure if there's any similar system in the USA. I also feel like it's worth pointing out that this example is someone that makes a fairly good living, so with the minimum pay in Denmark being alot higher than the US, it's much easier to survive and have fair living standards. Especially considering school and medical care is payed through tax, but in the US it's a specific amount, not a % of your paycheck, which would make Denmark seem even more favorable, using the same example with someone making a quater of this.
To top it Denmark pays student for going to highschools, colleges and universities. The amount depends on whether you live at home with your parents or not. And it depends on your parents income if you live at home. So a student would get from 200 dollars to 1000 dollars a month depending on the circumstances.
If you are interested in information about living in Germany I would recommend "the black forest family" an American family living in Germany. They have a list of very comprehensive videos about a number of topics.
Add to this, that a 5 to 6 weeks paid vacation in Denmark and if you are pregnant, you have up to 1 year paid leave and 20 weeks between you to be at home with the baby. The debt for your home is actually semi tax deductible. Any debt for that matter.
School and all hospital bills are paid through taxes too.! We never even see the bill or prize on anything from doctors and hospitals! The only thing we pay for in Denmark is dental.. and even that you can get covered!
@HailHeidi - A major part of why the Danish model in my opinion* is better.: You do not worry, and are never concerned with Whether or not you can even seek healthcare or get it, From what I understand about the American model, people often end up having to fight their insurance company in a stressful battle to even get healthcare, something that in fact can make your health deteriorate, not just because you might wait to get healthcare in the first place, and secondly the added stress is making it harder for you to get back into good health. In the Danish model, there is no concern, no reason to not go to the doctor and no fighting to even get treatment in the first place. That makes your recovery go a lot faster and you can get back to earning money quicker. Also, from a medical scientific standpoint, private healthcare research is focused on which illnesses they can make the most money on curing, where a socialized healthcare system focuses research on saving as many lives as possible irrespective of if it can make money, because it just doesn't factor in.
I always wonder why Americans don´t know how other countries work. And why they often condemn measurements that make life so much less stressful as socialistic and vote the Republican Party that keeps the unequal society intact. To my opinion then you don´t deserve better.
Hi Heidi, recently read that about 33% of all American gofundme that is being made, is people asking for help to pay bills for either medication, medical procedure or hospital bills in general....To a Dane that is just crazy that you basically have to beg for help, should you get ill...Good luck staying healthy in America...
It's the same in Sweden more or less , here we pay 33% taxes give or take alittle (some pay 1-2% less depending on where u live in sweden and some pay up to 50% if u earn above 5000 euros / Month or 50.000 Sek and u only pay 50% on the amount that is above the limit). In Sweden basicly everything is covered in your taxes, Healthcare (You only pay a small fee to for the apointment 10-30 euros or 100-300 Sek tho there are some specifik circumstances u might be more or less) , School (1-12 and in Uni/College you only pay for your books not the courses) , Child benefits etc. So for each kid in sweden that you have the goverment pays u 1250 Sek or 125 Euro and an added 125 Sek / 12.5 Euro per child (So Example Kid1. 1250 , Kid2 1250 + 125 , Kid3 1250 + 125) that is meant to cover things like loss of work and added healthcare etc. Also in Sweden you are entitled to 5 weeks of PAYED vacation every year , we are allowed 60 days of sickleave with FULL pay (Tho you loose 100% of pay for the first day, however this was removed during covid) and if u are sick for more then 60 days u get i belive its 75% (i could be wrong and its 70 or 80% but one of the 3 for sure been a while since i used it) of your normal pay. You can be home sick for 1 week before u need a medical note from a doctor recomending a longer sick leave. There are many more advantages we get for paying so high taxes but theese are prob the biggest ones.
Dear Heidi, when I was still working I got 50 % of my salary. But the state took care of my health insurance, education, retirement and far more. And I could buy me a house and car and go on holiday with full salary. And I could send my children to the university. And had little to worry about.
This family explained it really well.Even if the figures vary somewhat, the principle applies to the whole EU and Scandinavia.At the end of the day, you'll have more of your salary left over than in the US.Honestly, I like paying more taxes because I'm on the safe side.If I have an accident - I just go to the hospital (even by ambulance or helicopter!!!)If something happens to me abroad - I will even be flown back to a hospital in Germany!And how much does it cost me extra? Not a penny!!!All this and much more is possible if you invest in the community instead of what!? - For what is the tax money being spent on in America???
The average cost in the U.S. for an MRI scan was $1,119, compared to $811 in New Zealand, $215 in Australia, and $181 in Spain. However, data showed that the 95th percentile in the price of this procedure in the U.S. was $3,031, meaning some people are paying nearly $3,000 more for a standard MRI scan in the U.S. than the average person in Australia and Spain.
Generally spoken it´s like this. If one is in the "normal" income area below DKK 500.000,- a year, one pays app. 35-37% in tax as an average. There can be differences due to different deductions, but as an average this covers most. We have 6 weeks of payed vacations. A portion is added to your paycheck and saved to pay this., Maternity leaves for both wife and husband when a child is born. But the pay here is on a lower level. App. DKK 20.000,- monthly. Schools are free, but we have private schools also where the parents have to pay some but the state pays the largest part per child. On university level education is free but one have to pay for books and some exams fees. etc. Health care is free but some medications have to be payed for. Here we have some kind of private insurances via the job we have. This makes one to come quicker through the system. One can allways argue the reasonable in this arrangement. There is an un-emplyment fee to pay if one wishes. Via this one can have app. DKK 20.000,- monthly in 2 years. Alternatively there is the social security system to support. Socially we do not depend so much on the churches as in USA. Church and religion does not play the same social role in DK as in USA. Rarely people talks about this topic. Most visits the church when babtised, married and at funerals. Generally spoken. We tend to be a bit more pagan I suppose. Socially one have to find friends, social contacts etc. via kolleagues, neighbuhrs, sportclubs etc. And one have to be active to this. Danes are very private. Some even says difficult to open up when you come as a foreigner. So its not allways easy. Living standards is generally high if one has a job with a normal pay. Buying real-estate is relatively easy in DK compared with many other countries. Cities is offcourse much more expensive as in rural areas.
From what I have seen from other American reaction videos where the host(s) moved or considers moving to Europe, the more popular destinations are the Netherlands, Germany, Sweden and the United Kingdom, the choice for most of those people was greatly influenced by the vibe of certain countries/people in countries that suit them. So are Californians more drawn to the Netherlands for example and New Yorkers more to Sweden or the United Kingdom (England specifically). I also want to cover debts a bit, here in the Netherlands debt is common to have but due to two issues that cover practically all debt. Those are housing debt and student debt. Housing debt exists longer and is taken by people who want to buy a house instead of renting one, these debts are then paid off commonly over a period of 30 years including interest. Student debt is newer, until 2015 the Netherlands had the 'basic grant' given to each student that needed it to cover university costs and housing costs, this did not have to be repaid at the end of your student life. From 2015 on, thanks to the largest party in the Netherlands (the VVD, our PM's party) the 'basic grant' was abolished and instead students such as I could lend money each month (around 700 dollars at most) to cover university and housing costs. A separate 'loan' for public transport expenses (free use of public transport if you study at a dutch university or university of applied sciences), if a student finished his education within 10 years after starting it including a degree, then the public transport loan would be counted as a grant. You would only have to repay the money you lend from the government over a period of 40 years. This resulted in thousands of students having 40k - 70k in debt for studying, this is so unpopular that the government had decided to reinstate the 'basic grant' starting in 2023. However the 'bad luck generation' (all students who started between 2015 and 2022) will get basically no compensation, around 1000 euros (while most have more than 40.000 euros of debt), those students were basically lab rats.
@@module79l28 I read that somewhere as well, and find it pretty odd, considering how conservative a country Portugal is. PLus their English skill is not tha great compared to northern and central europe. It does have the nice weather though. The americans in the video were from IL, so Denmark can't have been a huge difference in weather.
@@herrensaar1989 - Conservative, Portugal? LOL! And even if it was, what has that got to do with anything?They're moving to a different country with its own political regime, not to a different US state run by their political "enemies". As for our English skills, I'm not even going to comment on that because you're obviously uninformed.
@@module79l28 Compared to the most others western european countries, Portugal is absolutely more conservative. Which makes absolutely sense, since it's a republic, where a large share of the population regularly attends mass at church. For the english speaking ability. I must admit, thst it is based on the portuguese students and yourists, that I have met in my own country, and on vacation in other countries. And very few of them, spoke english very well. And I find it funny, that on the English proficiency tests, Portugal has gone from moderate in 2014, to very high in 2021. A whole nation doesnt become fluent in english in 7 years. Usually this just indicates, that a lot og english speakers with national pride, has started tanking the test. And what is most interesting is, thst the lowest scores, came in regions thst usually gets a lot of tourists, but where the population is older, almost as if the older population isnt that bilingual.
Dear Heidi, let me give you some practical information. When I was still working I got 50 % of my salary on my bank account. You might think that is little, but the other 50 % want to health and sickness insurance, retirement fund, unemployment fund, free schools and much more. So only part of it where taxes. Did that leave me poor then? I could buy me a house and car, go on vacation abroad and live a comfortable life with little worries. So I did not complain but was taken care of by the Belgian state. But a big difference is that the sickness funds are non profit organisations. In the US they make money on your sickness.
In USA the cost of treating a broken bone can quickly add up, with the price ranging from a few hundred dollars to over $10,000 in some cases. In UE it is 100 % covered by insurance.
Hi, i'm Danish, and knows the difference about A Skat (Skat is Tax in Danish.), that is you actually incom, your main job/source of money. And theres also a B- Skat, that are payed for any other source of income like a second job. That has a higher tax perceentage, than the A Tax or Skat. 60% of the B income, is taken as tax. But what the don't tell in the video, is all the 'Hidden' taxes. You pay 25% of all shoppings in samething called moms, a tax on all items you buy. And if you get a cae, things goe's ballistic... You will have to pay a road fee. (Hidden tax) depending on how new and economic your car is. New cars is favored, and the higher miles pr. gallon, the cheaper. But when you buy the car. (Ohh Boy...) you pay the car... almost 3 times. The tax on cars, is 180% of the price from the cars actually cost. Hospital and doctors is free. But we havent even covered points as 'High income tax' etc yet... But you still have to pay for dentist etc. Only the healt part is covered by the tax system here. And about a month ago, Denmark, again, got into the world leading status, as beeing the highest taxed country in the world. Yes, we actually are the most heavely taxed people on the planet, in 2022, and we will continue to be that, into the future. But hey. Where i live, taking the bus, is free... It just don't fit with my work hours... I can take the bus to work, but have to wait 7 hours to get home from work... So i need a car.
I was wondering why this video has gotten an increase in views lately :). I hadn’t watched in a long time, it was fun to see it again and hear your positive feedback.
You guys are awesome!! Thank you for the amazing explanation. 😊
@@HailHeidi Trust me a lot of Danes loves this couple and their daughter. More of people like this to Denmark plz.. Coming from a Dane, who have seen most of their content and really love them. Ohh ya remember to agree that Maya needs her drivers license and a beginner car :p
@@HailHeidi there are some americans that game across the pond to travel through scandinavia, he got sick while traveling in denmark, he was hospotalized. the first thing he was asking was, what do i have to pay and where to put the money. the nurse just laughed and left the room. he was like "what the frick is going on". 2 days after he posted a video about the situation. he wasent charged anything even as traveler :)
This is like the third reaction video to original video Ive seen lately. Its a bit insane.
@@Cosmic_Code It just shows that, we are doing it right in Denmark. Now and then, Bernie Sanders say look at Denmark.
I am Danish and my mother has just been hospitalized for 5 weeks. she was diagnosed with a rare disease and was close to death. she was on a ventilator for 10 days, and thanks to our skilled doctors and, our high taxes, my mother could just walk out the door after she recovered. we talked about how it was good that we lived in Denmark, and if it were in the US, we would be in towering debt. thanks for your video. :)
In the USA low income people get insurance and pay for nothing. It’s covered by taxes and people who pay private insurance. The only people in debt are those that are wealthy or working but underinsured. Most people with insurance have a deductible. What screws the middle working class is all the lazy and drug addicted people.
My mom had a minor stroke, spent 2 days in the hospital while they verified she was good to go, and then got hit with a $161,000 bill lol.
@@JakeGaige where does she live?
@@ngi638 in the United States lol. Sorry, should have stated that.
@@JakeGaige what state? Does she have insurance? Medi-caid or medi-care at least?
🇸🇪 here.
Like several commenters have pointed out this applies to most european countries. You pay quite substantial taxes, BUT you also benefit a lot from them.
What is not mentioned at all in this video are all the other work related differences. Did you know that ALL European countries have several weeks of paid vacation each year?
Your employer is by law obligated to grant you a yearly paid vacation (depending on country ~3 - 6 weeks}.
You have a right to paid maternity (+ in many countries paternity) leave when you have a child (length varies).
You DO NOT have a cap on your yearly ”sick days”. If you’re ill - you’re ill.
Medication is VERY MUCH cheaper due part to national purchasing agencys, price caps and subsidization of vital medicines (example: I have diabetes type 2 and pay 0 (zero, zilch) dollars for insulin.)
Of course all this is also paid from our taxes and I think it is well worth adding to the video.
@@jeffersondasilva7745 "But I wonder what happens in the US: people just die or become homeless?" either that or they go into debt or beg for money through apps like GoFoundMe.
Insulin is a CANADIAN patent that sold for ONE DOLLAR to keep it affordable, but the USA greed system will not agree. Universal health in CANADA and less taxes than USA too.
And education too! It is totally free here in Sweden, inkluding University. In fact, tuition is illegal if the student is an EU/EES citizen.
So true but not easy to explain americans
Denmark have several weeks of paid vacation each year.. 6 weeks.. and 7 holydays is paid by your employer..👍
Your employer is by law obligated to grant you a yearly paid vacation..👍 Greetings from Denmark.
I'm born and raised in denmark, and I thought I'd give you a peek into my finacial situation. You can then compare it with your own:
My life situation:
I'm a 29 year old healthy young man, living alone in a rentet apartment of 60 square meters, that is in good condition. I have no wife, GF, kids or any other assisting my living. I have my own car (Hyundai i10 1,0 hatchback; Plenty for my needs), bike, gaming computer, VR headset, server rack, washer, dryer, storage room, bathroom, livingroom, full kitchen, bedroom and balcony (there is ground-, 1st- and 2nd floors. I live on the 2nd). There is a common starway between the apartments, and no noise can be heard from the other apartments. I'm a licenced common electrician and have been so since July 2014. I currently work as a quality control tester for a company making service panels and I work with power ON most of my day, and recieve a small pay bonus for that. The other thing is to do that, day in and out without incident, you have to know your shit as these power levels can kill. This work is not for the idiots. I receive just under 200dkk/hour (~28,68usd/hour) before tax in pay for my work, witch is lightly under the average electrician pay in denmark. I have a 37hour work week. 5 weeks of payed vacation, 1 week of payed time off, payed sick leave, FREE health care, and pay 39% tax of my earnings. I'd like to mention that I've had 6 sick days in total in the span of this report, witch I get payed for and is included in these numbers. An afterthought is that I don't owe anyone any money as of november 2022 where I've payed my car off. I'm currently abserlutly dept free.
Numbers here after is AFTER tax has already been deducted, so this is what I pay in and out of my account. These numbers is the average over the entire year 2021 to 2022 (november to november) for EACH MONTH (you can multiply them by 12 to get my yearly living on your own time). Some of the categories are not payed each month, but just get reflected as an average. I calculated dkk (danish kingdoms cronws) into usd (united states dollers) by multiplying dkk with 0,14 to get usd. THESE ARE ACTUAL AND FACTUAL AMOUNTS:
INCOME:
* Paycheck (money added directly to my back account and again I have already payed my 39% tax off on these): 21.490,83dkk (3.008,72usd)
* Heating return (I prepay my heating in advance and the rest is returned at the end of the year. I have never used more than what I've payed for): 144,47dkk (20,23usd)
* Tax return (Overpayed tax is returned in april from the previous year in its entirety. I have never personaly had to pay anything extra in tax, but it can happen): 389,67dkk (54,55usd)
* Lent money return (I've lent some money out to family, and recieve them in small chunks over the year at their own capacity to pay them. I don't charge anything extra for these loans. Just pay the original amount back): 1.041,67dkk (145,83usd)
EXPENCES:
* Rent, water, heating, TV (all payed to my landlord in one go): 6.140dkk (859,6usd)
* Electricity: 347,99dkk (48,72usd)
* Fuel for car (My car uses "benzine 95 octane unleaded"): 1.353,7dkk (189,52usd)
* Green tax (an enviromental tax specific to each car class): 55,83dkk (7,82usd)
* Car service (repairs, service and the like): 760,95dkk (106,53usd)
* Car and apartment insurance (they are held by the same company and are payed togeather): 511,56dkk (71,6usd)
* Union and A-kasse (If I get fired from my job, my union will pay about 80% of my paycheck and help me get emlpoyed again. They also offer legal help with many things related to work): 1.054,33dkk (147,61usd)
* Car loan (I just finished paying loan for my car november 2022, from a period of 8years, but it is still reflected in last years report): 1.309,4dkk (183,32usd)
* Internet and mobile subscribtion (held by the same company and payed at the same time): 532,75dkk (74,59usd)
* Streaming services (Netflix and the like): 149dkk (20,86usd)
* Taekwondo training (I do taekwondo 2 times a week if I'm able): 130,67dkk (18,29usd)
* Food (a fixed amount set to about 100dkk/day and should in a normal household of just one person be 2.300dkk. Mine is a little higher because I go out to eat a little more often): 3.000dkk (420usd)
* Cloths (replacing cloths, shoes and the like, also a fixed amount set aside each month): 250dkk (35usd)
* Gifts (money for birthdays, moms/dads day, cristmas): 575dkk (80,5usd)
* Equipment (budget for replacing/maintaining equipment like kitchenware, electronics and the like): 500dkk (70usd)
* Dentist (I have a fixed apointment for a checkup at the dentist 2 times a year. In 2022 I had an old filling break and I had to get that repaired): 163,79dkk (22,93usd)
* [Outside of category] (This is the average amount/month I use excess to have fun, party, buy myself and others nice things, go experience something and the like): 5.631,76dkk (788,45usd)
NET ACCOUNT GROWTH OVER THE YEAR (+=gain, -=loss):
+600,01dkk (+84usd)
If i hadn't used the "[outside of category]"-amount and lived a tight budget, witch I can do if I want to because everything is already accounted for in my budget for a comfortable life, I would have the following in excess EACH MONTH on average (and easily at least a little bit more if I saved more):
+6.231,77dkk (+872,45usd)
I also keep a healthy buffer on my account of about 2 times my paycheck so about 40.000dkk (5.600usd) in case of BIG EMERGIANCY like pay for a new car, fire and the like. This buffer still stands even though covid lockdown.
You'd proberly notice that nowhere is there mentioned healthcare and other things. That is because it is handled as a part of my 39% tax by the state. Everything here is ALL of my expences. I havn't been to the hospital or any other emergiancy thing in 2022, but if i had, it would have cost me NOTHING but some time and payed sick leave (if applicable).
If you are curious, I do take questions below. 👇😊
I'm a 76 year old danish guy and I was diagnosed with colon cancer 5 years ago.. Hospitalizes, scannings, binocular surgery.
They started the binocular surgery and 4 days later I came home, same day I was walking my dog.
Yearly followup by scanning etc. and still no cancer, Bravo.
Well, well they say it is free of charge, I had to pay a total of $0,25 for painkillers. The hospital forgot to write me a perscription 🙂
"Oh no"... Hehehe, yeah as a fellow scandinavian, I'd take such a thing/amount on the chin rather than make a fuss about itafter the service I've gotten.
"binocular surgery"? did you mean "laparoscopic surgery"?
congrats on beating cancer.
they forget that we have a personel deduction fee that are drawn from the gross pay before the tax is drawn and then added when tax are payed 50.000kr - pd5.000kr = 45.000kr-tax could be 45% = 20,250kr so 45.000-20.250kr=24.750 ad the pd 5.000kr = 29750kr thats net salery the deduction fee is different for all, so this is just an example.
The stress and uncertainty of not having universal healthcare must be so horrible, I can't even imagine if I always had to fear living because any accident or health problem might send me into debt. On a side note: Move to Denmark! :D
"Move to Denmark! :D" or almost any other European country!
The idea is that in the US, you should take the money saved from less taxes and buy health insurance. The problem is that greed still seeps into that , and it doesn.t always work great. There are pros and cons for both systems. Overall, I do think the Danish system is better, yet manageable with only 5 million people.
oh, i know europeans who work in the IT and went over to the U.S. to show them how it is done.
They have a good life.. big bucks, all kind of perks negotiatied into their work contracts.
Gonna be interesting to see how it is going once the business is down for some years... that is when you see the difference.
In europe youre helped to keep your house that you paid off only 43% so far - , your medical needs will also be covered after you lost your job - sure, you have less income than before. your life standard will drop and you may have a hard time paying some of the bills that the state will not cover for you. (cancel netflix, eat shittier food)
But they keep you off the streets in front of your own personal PC which enables to you search and find the next job. Unemployment offices and agencies try to get you back into employment fast at no cost for you. Some euro countries are better than others - but collectively - you got a better chance at survival when you get through no fault of your own into a difficult situation.
Double shifts at two different burger restaurants to pay for the medical bill of your child as a single mom? that is solely an american way of life. But then again, theyre "brave and free...." while everybody else consequently must be chained cowards.
If you shit in your bunk, you clean the sheets as they say in the US-Navy :)
Dont move here yanks to grab a nice new european bunk, clean your sheets instead. We already have a big enough influx of refugees as it is.
Turn your nation into the place that warrants the pride you already express on the 100.000 flagpoles per square mile.
(or is that just a reminder for the geographically impaired, to remember which country theyre currently in?)
Please stay where you are. We don't have the capacity for more people in Denmark as it is. Taking care of our own before anything else, is what I'm about.
No no! Denmarks suchs, don´t come here the taxes are more than 110%, just stay away...
I moved to Ireland in 2000, but wasn't really happy there, so in 2006 , I moved to Sweden, which I absolutely love! To the extent that I've become a citizen. The taxes here are a bit higher than they were (for me, anyway) in the US, but out of those taxes I get free education, *very* affordable health care and drugs, a stipend each month to both me and my partner, to help support our son (this is given tothe parents of every child in the countryregardless of their income), over a year of paid (by the government) time off between us as parental leave, and paid time off(again, paid by the government) if our child is sick. The government also pays for 15 hours a week of child care, for all children, and we pay a bit over 40 dollars a month for the rest of his child care, which is about40 hors a week, give or take.
As a dane, I have to say, that security is the keyword and what makes Us so happy.
I am happy to pay every cent of my taxes!
As an elderly person, now 74, I had a very serious traffic accident in my youth, and could have become lame. I managed to recover and worked till my ordinary pension, except for two years on support, as my firm for 20 years became sold and changed. My father, who died in 1954, suffered from a serious Diabetes from his youth and got his Insulin paid for, all his short life. This didn't cost any of us anything, as all was paid for by our Public Health Insurance, paid for by our taxes. Only ordinary medicine has a part of it paid for by the person and Doctors and hospitals are also covered by the taxes. We have 6 weeks paid for vacation in Denmark, and 37 hours of ordinary working time, each week.
so am I🙂
VAT on everything you buy (25%) + Personal income tax (55.90% , just google this percent + Denmark) comes up to around 80%. You like paying 80% of your monthly income?
@@rochellerochelle1488 My income tax is 37% ALL (healthcare, free school, university, doctor, and so on) included.
If you are earning very much you pay a little extra, but not 55,9%.
@@rochellerochelle1488 There is a ceiling on the amount of tax you pay in Denmark of 52,05% as an average of your total income, so you would never get to 55,90%. And you would have to have a very large income to even hit this ceiling of 52% for the taxes you pay.
In Denmark we have 3 tax brackets:
- The first 6540$ of your annual income is tax free (current conversion rate: 706 dkk per 100$).
- The next bracket of 37% tax covers your annual income between the 6.540$ and up to 72.720$.
- Only the amount of money you make on top of the 72.720$ would be taxed by an additional 15%, so 52%.
In addition to this "normal income tax", there are a few extra semi voluntary taxes most people pay, such as church tax if you're a member of the danish church. The theoretical top marginal tax if you sum up all possible additions would therefore be around 55-56%, but as I started this comment saying, there is a top ceiling on your average tax that means on average between your 3 tax brackets and voluntary taxes, you would never pay more than 52,05% as your average tax.
As an example: a person making 100.000$ per year would be paying 6540*0% + 66.180*37% + 27.280*52% = 40368$ in income taxes. This averages to 40,37% in taxes (+0,89% church tax). Only if your income is very large - say 1.000.000$ per year, would your taxes be upwards of 50+% taxes: 6540*0% + 66.180*37% + 927.280*52% = 508.908,27$, which averages to 50,89% (+0,89% church tax).
In the US, you as an individual want to be healthy, because you are paying the bills. In a country like Denmark, the government/state wants you to be healthy too, because they pay for your medical bills. This creates an effect where the government makes a lot of regulations and educate its citizens on how to live a healthy life, including food regulations which helps to protect you from eating or drinking harmful stuff.
Danish here, and just found your channel. As I'm curious I actually watch some of these videos by people who've moved to Denmark, especially Americans. It's a way of learning more about their countries (as they make comparisons), and how they view Denmark and the Danish people. The Youngs are some of those I watch, and another channel I can recommend is Robe Trotting. They've lived in Denmark for 5 years, I think it was, and make a lot of videos with tips for expats moving to Denmark. Those two channels are probably the best that I've come across so far
I agree! I watch both of those channels too! They are both great! ☺️👍❤️
This - i subscribe to both too
And... In Denmark, all kids have the same chance for a good education, no matter how much their parents earn. Because of the way our system is made.
Nice video, but left out a few things like the 25% tax on everything you buy called moms. Cars are heavily taxed at 180% for any amount above about 50.000 kr. However for electric cars you only pay 25% below about 400.000 kr. Most education is free and you get paid to study. And in Denmark you have at least 6 weeks of vacation each year.
Hi, Heidi I'm a Romanian guy living and working in Denmark, ironically enough I work remotely most of the time (Node JS back-end dev), so really I could have worked from Romania, but NOOOOO, my company insists that I work remotely from within Denmark. Denmark is great, it's clean, people mostly keep to themselves and the rural areas are super super quiet and calm. I'm lucky to have my best friend here with me, he's been living in Denmark for over 10 years and absolutely loves the place. So, in conclusion if you can, definitely move to Denmark or Europe, if you want to experience a different type of society.
Thanks for the kind words 😃
Romania is inside eu, so that makes it different..
You can come and go as you like in dk..
If they come from outside eu they need to have a job that makes almost 100.000€ a year (some IT workers and healthcare workers are exepted)
That is a high salery even for Denmark..
They also need to apply for citizenship if they want to stay when they dont have a job, and that is a long and hard proces. (Almost10 years)
I am deffently happy i speak danish, good luck learning it 🤣 i learned to speak dutch as a adult, and that was not easy
Not many laungeges are harder to learn the danish
It's pretty normal to require that. It makes paying your salory and taxes 3-4x as expensve to handle, if you live in a different country, since they would lose out on deductables, because you won't be required to pay taxes in Denmark. So they need much more due diligence, to make sure that you pay taxes. Or they would become complacent in tax evasion, which has huge fines in Denmark.
And EU rules only gives you the right to work a danish job, if you reside in Denmark, unless the company you're working for, has a Romanian subsidiary.
If this was not the case, pretty much all companies that has remote positions, would just have an irish subsidiary, and people living the country with the lowest tax rate.
But it would wrech havoc on national finaces, and currencies that isn't locked to the Euro.Which is pretty much the whole reson, for why the Maastrict treaty was rejected by Denmark, and still sets certain limits for the country to this day.
It seems they forgot to elaborate on the college fund issue. In the US you need funds to study. In Denmark you're paid a salary to study at university.
In Denmark, not only is education free, but the government actually pays you during the education after 9th or 10th grade. About $900 a month plus you can get an additional $400 a month as a loan.
With ALMOST No interest
Nothing is free.
Evan Edinger did 2 videos comparing grocery costs in the UK vs USA. The US is paying at least twice as much. They are worth a look at.
Agreed defiantly 👍
The price of food is now even slightly higher in the USA compared to Denmark (which include a higher VAT sales tax which they do not have at all on food in England) On the other hand, you earn around $1,000 less a month Net after income taxes in the UK on average compared to Denmark (and probably also to the USA), so you also have much less money to spend on grocery costs on average in the UK, which probably explain the lower prices.
The stats for this :
en.wikipedia.org/wiki/List_of_European_countries_by_average_wage
Americans have too pay tax on your income while working in a foreign country to the American government. Most Countries you only pay tax for the country your working in.
So Americans are hit with income tax twice due to the American Federal Government's
@@robertmurray8763 .. The US and Denmark have had a tax treaty since 1948 that was updated in 2001. The current treaty protects both countries’ citizens from dual taxation, but shares information about the financial dealings of their taxpayers. The agreement also sets forth the rule on which country’s tax system to follow.
So, if you are a US expatriate living in Denmark, it is important to consider the US-Denmark tax treaty rules to determine whether you need to pay social security taxes in the US, or Denmark, or both. Whether your job in Denmark is for a Dane company or a US company is the main determining factor.
Any foreign earned income for a US expatriate living in Denmark and paying taxes in Denmark, entitles you to exclude the 1st $107,600 of income from your US taxes. The expatriate scheme allows expatriates who earn a $9,000 salary monthly in Denmark to pay a flat rate of 32.84% for up to 7 years. In addition, there is a structure for expatriate taxes who are considered either researchers or highly paid. These people can choose to pay taxes at 26% of their salary for the initial 5 years they are in Denmark. But no dual taxation.
My professor in Uni and her husband moved here, to Norway, from Canada. They loved it.
Danish Guy here...
A friend of my dad moved to the states age 18. Became a business man and is very succesfull.
Growing up, I wanted nothing less but to leave Stupid Denmark behind. And pursue my Dreams, (the American dream) expensive cars several houses, pools and the fast life.
I've been traveling around the world with my line of work.
And I never appreciated being an "average Dane" more than I do now.
I'm 37. Got a Fiancé, 2 kids. (Child birth in DK cost 0$ by the way)
A new house on the country side. And will never be a millionare, as of American standarts, but I couldn't care less...
I live in a country with a safety net, if I am without a job for a while.
Where my kids can get the education they would like. And be payed to attend school.
My family has a history of bad cases of illness.
And if I am sick tomorrow, I will be taken care off, from day one. Both financial and health wise.
If I ever moved out of DK, it would only be to gain more experiences.
I can highly reconment you moving to a Scandinavian country.
Or Germany as I know many American's do.
But in regards of the Language, moving to Denmark would only be an issue learning Danish, cause every time you would try to speak Danish, they will hear you are not from here. And answer you in English.
If there are any questions regarding Denmark, I would be happy to answer.
(On the matters that I can at least. 😉)
Happy hunting for a new place for you and your husbond. 😀
You're country Denmark is not stupid it's great The Divided States of America on the other hand is stupid period just look at how they treat their own people seriously America should be ashamed of itself Denmark is awesome.
Other than that a great a comment👍
And greetings from the Netherlands🇳🇱
Hi, i'm also living in Denmark for more than a year now but i'm not sure if there are many people out there who like motorcycles; In Copenhagen most people use bikes, and some more wealthy ones cars. I have imported a 600cc second hand scooter from Greece, and it was a pain in the @ss to pass the syn and register it but being a mechanic helped me succeeded. Danish market is also very poor and expensive on buying consumables (engine oil) and spare parts, which i buy from Greece or Spain, delivered by post in home. Dba has only very old motos on sale (80s, 90s). Would it be worth if someone pushes new, second hand but not very old models and electric MCs on the Danish market?
Hi Bird.
I dont know about the electric marked. I live in Jutland. And MC's might be a bigger thing here.
Plenty of my mates got bikes. I dont atm. With the new house and everything. But I can allways borrow one from a mate, or my dad.
The marked for old mopeds have sky rocket the last years. My puch maxi and Piaggo Ciao are worth alot more now than before.
We have a mate in our circle of friends that live in Italy. He is bringing 5 back to us on his next trip.
Maybe there is a marked there...?
@@martinskytte3686 Thank you for your answer; I'm currently importing a Maxsym 600i and waiting on how much will i have to pay on registreringsafgift to get the DK plates after. I am from Athens, and that city have a ton of second hand MCs on sale for low prices. The only you need are some checks, in order not to buy one with a serious damage and not with reduced odometer. There is also an electric MC model 'Silence S01
' from Spain. It could be good for CPH, as the street parking for that would cost 0kr, because elbiler and elMCer are free on city center parking.
@@birdakasiakwvos Late answer. first, using a bicycle in Copenhagen is not influenced by your wealth. There are high paid CEO's and executives who will ride a bike to and from work because it is easy to get around town on one and you can always find a spot to place your bike while being at work. Most likely, most people also have a car standing at home if they use to go outside the city for some reason or need to haul bigger and heavier stuff somewhere on occasion etc. So, bikes are used by people of every walk of life and wealth, simply because it's much easier and more convenient for them inside the city and most of the suburps.
Second, Using Dba is good for a lot of things being bought second hand. But cars and motorcycles and mopeds/scooters are not among these. You can find a lot of websites in Denmark where you can look for a better/newer vehicle in each kind, as well as spare parts for them. There are websites for each category and even some where they combine both the vehicles themselves and the spare parts in their site, and some even for specific models of each. You only have to do a litte search for them if you don't already know them. And trust me. It's worth looking for them.
Going to syn for registering an imported vehicle of any kind is always a hassle. Because there are rules and regulations on each type that depends on age, make, model and what needs to be on each to be covered by the rules in Denmark (which is not always the case in the country you are importing from even on the same make and model and year of fabrication) and these issues have to be solved before you can actually get it approved and registered to drive on public streets. If you ever tried that in the US or Greece when you were still living there, you would actually have run into the same obstacles there, as they have the same kind of rules adjusted to American Greek conditions and specifications of legality. In fact, most countries in the Western world have these rules to some degree or other. And even a lot of countries outside the western world. So regardless of where you had opted to move, your problem with getting the vehicle approved and registered from import would have faced similar issues to overcome. That's just a common fact of life that you cannot avoid.
Hi Heidi,
You and and the whole family are welcome in Denmark in my opinion.
I have been watching multiple of your videos and I love how you visualize the the "free to use vs. tax" amounts by using your hands cutting of more and more (in the end of the video). Well, you got a subscriber from Denmark :D
Br.
Carsten
Also, I would like to mention HOW I declare my taxes in Sweden ;-)
Each year my employer, bank etc send info to ”skattemyndigheten” (IRS).
In march IRS send me a copy of my years income/debts/tax and residual tax/tax refund.
I log in to my tax account, check the numbers and - if they’re OK (usually are) - sign digitally with my secure ”bank ID” - took me 15 min last time.
Pretty similar in Norway:
Sometime in March (if I remember correctly) - you get a message that your tax calculation is ready to be checked online. You log in to the common govt. digital platform with you bank ID (this ID you use for everyday banking, online purchases, etc.).
About the same time the same information arrives in your mailbox on paper.
The calculated tax is an already filled out form that includes your income, debts, wealth and how much you have paid in tax - and how much you should pay in tax based on the numbers. The numbers are automatically reported as mandated by law, by banks, financial institutions, employers, etc.
At the end of the calculation, it states if you are getting money back or you need to pay more in taxes.
It is your responsibility to check that the numbers are correct.
If the numbers are correct (they usually are - unless you have a complicated economy) - you click the "sign" button online - before the deadline (end of April if I remember correctly).
If you think the numbers are incorrect - you change them in the online form.
Technically - you do not even have to sign. If you have not signed by the deadline - it is automatically signed as accepted when the deadline is past.
So, for most people it is as simple as logging in, look over the numbers, then click "sign". It can be done in a matter of minutes.
If you end up with "remaining tax to be paid" - it will usually arrive in the form of two bills (to make it easier to pay) that is due in two different months in the following autumn.
Denmark is typical for Europe. Affordable Healthcare, Education and Public Transport are payed partly thru taxes in many countries.
Another typical European thing is, that we are actually interested in what other people think about us. This helps to make this kind of channels pretty successful. Especially in Germany, you can find a lot of them.
Here are some Examples:
NALF (Nick Alfieri, is an American Football Player in Germany)
Feli from Germany (A German Girl that moved to Cincinnati, doing a lot of videos about the differences)
The Black Forest Family (Family that moved from the USA to Germany. They made comparison videos about cost of college between Germany and the US a few weeks ago)
Not Just Bikes (Canadian who moved to the Netherlands and talks about City-planing and Transportation)
Dutch Americano (American that moved to the Netherlands, talks mostly about the little things that make a differences in normal life)
for Poland:
Sarah Achleithner
Love My Poland!
I can warmly recommend channels Ulrich mentioned.
Denamrk doesnt have affordable healthcare and educations.
Its completely free (paid 100 % via taxes)
The public transportation system in denmark is however very expensive. Its very good. Reliable, clean and you can find routes pretty much anywere you need to go(in major cities) But its expensive, AND if that wasnt enough, they also recieve support from the government.
I personally suspect its an area were we actually have some corruption involved. Corruption is extremely rare in denmark so its a big thing with a claim like that
Great list of recommendations! These are the ones I watch on a regular basis. There are a gazillion options of Americans YT-ers who moved to Europe to choose from.
I would add Evan Edinger in the UK and will highly recommend Hayley Alexis in Germany. ‘Jovie’s Home’ is a nice one as well, as is ‘Exploring the foreign’, both in the Netherlands. There are also plenty in other European countries like Italy, France, Portugal, Denmark etc.
Robe Trotting (an American Couple from Philidelphia that have moved to Copenhagen, Denmark).
Despite the taxation Denmark and Sweden have more ultra-high-net-worth individuals($30 million plus) per capita when compared to the US. Taxes when used right are an investment and not charity.
A thing they also didn't mention is that in Denmark filing your taxes takes 5-10 minutes
Travellin' Young has made a video about that too! Miranda does the Danish, while Josh does the US.
10:30 The narrator compleatly forgot to mention that danes in Denmark, not only have "free" education, but that you actually get paid to study in Denmark from college degrees or equalevant and up.
Robe Trotting are a couple that moved to Denmark - they offer an intimate perspective of moving from the USA to Denmark and talk about the positives as well as negatives :)
*work environment, social culture and friendships, personal peeves and likes
The best way to compare countries is comparing serivces not only taxes. You pay taxes but in EU you will get part of it in services. For example healthcare but not only. Every EU country negotiate drugs prices with companies. There are some medicines that are refunded by goverment so you will pay a litte of its price. Also when you lose your job you can get some support. All of these are founded by taxes. So you pay more and get more. And there are no suprises - you know how much you will be paid every month. Also when you are sick, you dont go to work and you will be paid.... so you can be off work for example one month and you will not starve or be homeless because you will not pay a rent.
As my grandmother said "peace of mind has no price"
There's a channel called "Kelly does her thing". She made a comparison between Germany and the USA about the different use of the taxes in those 2 countries and she found a similar and entertaing way to demonstrate it. Look for "German Tax Euro Questions American Tax Dollar’s Priorities".
I am Danish , i have followed traveling Young for a couple of years , and their awesome , if you vant to move to Europe pick Denmark ,Sweden or Norway they are very similar besides geography , and you will have a life where you can live your true potentiel❤
Som slesvig-holstener kan jeg kun give dig ret. De er gode naboer. Hvis jeg var yngre ville jeg gerne bo i Danmark.
What you take home from your income is incredibly difficult to calculate here in The Netherlands, because this is calculated based on how much you earn and how much you receive in subsidies. For example, someone who earns 20.000 euros per year pays nearly no income tax and gets full governmental subsidies on housing and healthcare (for which the net amount also depends on your housing situation), and someone who earns 80.000 euros per year pays a higher income tax and gets no governmental subsidies. However, doing the taxes at the end of the year is super easy, as everything has already been calculated for you, you just have to check if it is correct. And getting the subsidies is as simple as signing up and you get the money in your bank account every month...
You asked - I moved first to London, England and than ended up in Denmark 🇩🇰. I am originally from NJ - it has been great to travel and settle in another culture - you learn so much about yourself. Just do it
I know 2 couples and 4 single people who moved away from the USA. One came back but the others are very happy with the choice they made. One guy even found the love of his life, oddly enough in Denmark.
Being a dane i will say that we also do a lot of dumb stuff.
However if there is anything is this world i would wish for everybody to have than that would be free healthcare and education.
Free healthcare means that you will never have to worry about your child dying for economic reasons (which is just sad).
Free education means that you wont have to fear your child having unfair disadvantages in life and ensure them the possibility to choose what they want to do in life.
If these two things should not be a pilar in any society then i do not know what should. :)
Great video. :)
I live also more than a year in Copenhagen, from an almost totally different world culturally (Greece). I really enjoy here and despite i was considered a middle income person in Athens, my standard of living went even higher (i don't mean the ability to buy stuff so much). A safe, clean city with few traffic accidents, not too much traffic, a not so cold - not so hot climate, calm people, a social system (i actually never used), less people are very poor and socially excluded. ...but all these don't mean that that place is ideal for everyone; It depends of what kind of life you're looking for, what are your priorities etc. The biggest challenge i faced here is everything that has to do with transportation. public transport is expensive, and many times there are delayes, cancelled routes. Private cars are expensive to own and maintain, Motorcycles are few available and most of them are very old, so i decided to import one. The first MC i imported got stolen 10 days after in christianshavn region, so i imported a cheaper model after that. Also city center street parking is paid except of Sundays.
Conclusion, if you want a stable and fairly good standard of living, and laid-back society where everyone is treated more equal than on other countries, Denmark is for you. If you like a rich, posh life with expensive cars, fast motorcycles, endless nightlife and pay for xxx pleasures, you better steal a bank and then move to Greece 😂😂😂.
We have a lot of Americans coming to live in Lisbon, Portugal. See if it would please you =)
@5:35: Basically, A skat = basic tax. Thanks for sharing another great commentary video, Hail Heidi
your yawning in EVERY video ever gets me to laugh so much :D
As I noted earlier, look up "The Black Forest Family" or "My Merry Messy Life" if you want to know what it's like to move abroad. Those two channels show it best from my perspective as a German if you want to move to Germany.
Best Regards
If you want to know more differences between the US and other countries check out Andrew Austin. He lives in Sweden. He has many videos about that topic. There are also Stefan Thyron. (Not sure about the spelling of his last name). There are also a girl named Kimberly Sorce who just moved to Sweden. Hugs from Sweden.
Also dane here, remember that all Education are free here, College, university ect. And you get around 960 dollars a month if you are older that 18 and not Living with Your parents from the gowerment when you study.
My oldest have a small apartment and a horse and she Can get by with the money from the gowerment. 👍👍
About moving abroad. It really depends on your education, language skills and what are the key values you are looking for.
Some places need different kind of skills, and without knowing the language, you might need to start at a lower level than what your professional skills suggest. Some field are regulated, so before you get approved according to local directives, it might take some time.
Without knowing your education, some fields that are easy to find a job. Marketing, programming, nursing are searching skilled workers all over Europe.
You might also decide on what kind of life you are looking for. Do you want to live in a big city, or in the countryside? Are you ready for a place with cold dark winter and long summer days when the sun never sets, or is a more stabile mediterrenian climate more for you?
If safety is a key factor, you might consider a small place where the biggest threat is the somebody got lost and is asking for directions to find back to the town center.
And if you working a field where distant working is possible, high speed internet is working well in europe and price are affordable with no limitations on the amount of data transfered in several countries.
It all depends on your life path and goals you put for yourself. All I can give as advice for now, put your skills, goals and ambitions down on paper. Once you know what you want, I 'm sure people are willing to help out to the right contacts you might need. Good luck, whatever your path leads to.
I agree with this.
And it's important to never forget to add your own country to this list.
MAYBE your own country is the ideal place for what you want.
But ideally you also don't prioritize your own country.
A lot of countries can fit a lot of different people. If you enjoy people smiling at you on the streets stay South. If you like people to leave you the fuck alone in public go North(obvious generalizing here)
Neither are wrong. Just go where things fit you.
Also, in Denmark you have 5 weeks paid vacation by law. In addition to the 50k/month salary, the employer has to pay 12.5% into a holiday fund and when you take your vacation you will get paid for corresponding days you take vacation from the holiday fund. Pension contributions are also regulated.
Typically the employee pays one part, for example 5% contribution and then the employer doubles that, 10%. Typically the salary number you negotiate is after the company paid pension and holiday contributions, but before taxes, so in reality when you get a contract of 50k, it's actually more like 62k.
But also take note that as you earn more, the tax rate gets gradually higher. So if you are a part time worker while studying and make 4000DKK per month, you only pay 8% taxes, if you make 20k the effective rate is around 31%, at 50k it's 36% and if you make 200k per month you actually cross into the territory where you pay more than 50% in effective taxes. Most people fall into the range of paying 30-35% though.
I don't know if you are faking because your audience is probably all european, but it doesn't look like it and you give me SO MUCH hope in humanity ahaha. Subscribed
another great reaction, i moved to the uk from the states and i think its an option you and your husband should consider, alot of commonalities to the us but some nice differences, as i think you have already seen like healthcare and a lower cost of living, more diverse and closer to europe, for example travelling within europe from the uk can be as cheap as $150 to go to spain or any country in europe for the weekend. loads to discover and the food choice with the many countries so close is well worth it. i would recommend it especially with the way the us is going, imagine not having to worry about crime when out on a night out. where i live in the uk we arent stressed if i forget to lock my doors at night. one love
The lack of fear and sudden costs is always going to be the nr. 1 thing about many European countries imo.
The end result stops mattering as much when you can just stop worrying about money.
An above average income family can easily live paycheck to paycheck if their jobs are in demand because basically nothing will happen that will actually put them in trouble for basically just saving say, 25k, and spending the rest by the end of the year.
My parents would just blow their money on family holidays as a nurse and teacher because having no savings from previous year just doesn't really matter.
Skiing in the Austrian Alps or staying at a nice hotel in Southern France or going to Thailand or South-Africa.
Or they would just take some time off and just the 2 of them would go to Malta for 3-4 days.
In Denmark the most expensive stuff financed by taxes are the healthcare system and the educational system. Although our politicians say otherwise, they are butchering both systems. This has gone on for years, and it is still going on, unfortunately.
Yes, but you still don't have to pay, out of pocket. It's stll free, with benefits, such as SU.
@@persimonsen8792 Not really. When they butcher those systems, we don't see a tax deduction, so it's certainly not free.
I've seen their video before. It is one of the most non-confrontational videos on this topic I've ever seen. Their approach to this is so wholesome yet also incredibly valid in their factual basis.
Sure, you can discuss the POSSIBILITY that you might NEVER EVER need health insurance, and you COULD have possibly saved all that money. But the reality is that there is an almost 100% chance that sometime in your life you WILL need serious healthcare like a hospital stay. If, like in the USA, you pay everything out-of-pocket, unless you are a millionaire or more, you DEFINITELY WILL feel the impact of those hospital bills. No-one in their right mind will think a hospital bill of around $10000 for a BIRTH is sane. That is utterly insane, and an additional burden on the mother during her pregnancy which she should not have to face, in addition to the health risks of a pregnancy, much less actual labor and giving birth. And that is even a pretty planable healthcare issue.
Other healthcare issues like accidents CAN'T be planed. At all. Unless you live your life in a huge bubble of cotton wool, never step outside, and don't live in tornado alley, then you MIGHT, potentially lead a life without any major accident risks. But is that still a life, without engaging in anything that might result in potential danger? For me, definitely NOT.
So if you engage in ANY activities that might potentially result in injury via accident, there is an incredibly high, virtually guaranteed, chance of suffering unplanned injuries. From minor like scrapes and bruises, right up to multiple, complicated compund fractures requiring months of treatment and physiotherapy. If you have to pay for all of that out-of-pocket consider yourself lucky if had a major lottery win in that time; otherwise you will be dead broke and deep in debt in the USA.
Whereas the rest of the civilized world simply hands off any bills they might recieve to the insurance company. If they actually recieve any bills, and not their insurance company directly from the hospital or doctor. Sure, we pay our insurance premiums. Yet strangely enough most, if not all of the countries around the world, levy LOWER health insurance fees than the USA, yet succeed at ensuring virtually 100% for all necessary medical bills. Very minor, two digit bills might be raised against you, but that is usually the limit. For a long term hospital stay. Period.
When you loose your job, you still are covered for health insurance; you WILL be treated, and you won't be billed insane amounts of money.
Add to that better employee safety nets, worker's rights, unemployment benefits, etc. All of those are covered in general, even when you are unemployed in Europe. This is handled somewhat differently by each country, but the endresult is basically the same. More bang for the buck, and a safety net that removes major financial fears from your life, for a more free, happier life.
For THAT safety net, no matter which European country, me, personally, I am MORE than happy to pay a little higher taxes and fees than in the USA, but that I will be certain I WILL be covered in most major parts of life and actually recieve good service for my taxes.
this says it all very well put indeed -- add in the safety factor of fewer guns you will start to enjoy life
Because health insurance is expensive in the US is your legal system, people see a good business opportunity in suing everything.
Therefore, the doctors need to insure themselves against being sued and the insurances are more expensive and therefore your health insurances will also be expensive.
It is the minus part of the Danish health system, some politicians often see opportunities in saving money, by downgrading the quality and waiting lists and generally low quality can arise. Therefore, the population must constantly hold politicians accountable.
We actually also get money to take an education. It’s called SU. SU in danish means “Statens Uddannelsesstøtte” in english “State education support”.
It is financial help while you are studying.
You already start getting SU at High School when you are turning 18. The amount of money you get depends on whether you live with your parents or with yourself.
But you only get it if you take an education.
Almost everyone will need significant health care services at some point, specially as you get older
This is where Americans really become vulnerable
And most important of all, EVERYBODY have access to free health insurance, free education, free daycare (if you are poor) etc. Even if you have never had a job, and never payed tax. And we Danish people love this fact, because we really don't like to witness our fellow people suffer, even if they have not been as lucky as our self in life.
in the whole EU the tax system is almost the same. here in germany its like in denmark. also you get in germany for each child you have "kindergeld" of about 200 euro. also if you meet some criteria you can get also "kinderzuschlag" that depends from your income and financial situation. about the health care in germany. your kids and your partner are mostly covered by this also, with no additional costs. and many more things our taxes are used for. as a student you have to pay a small fee every semester (differs from the university and region you are in but its arround 300 euro in most cases). this fee includes mostly to have a permanent ticket for the public transportation system (this alone costs more than 300 euro if you are buying it by yourself) and many other stuff like lower prices for students at many locations etc....
still not thinking about moving to the EU ? Germany is looking for ppl that wants to move and work here because we have a shortage of workers. for example, if you are a nurse you get work here in a second and in many other jobs it is the same ^^
greetings
Heidi is actually not a rare name here in Denmark. As for moving to Denmark, while I would personally welcome it, you do need to realise that Josh moved here because he got a high paying IT job in Denmark. Now I don't know what you or your husband does for a living, but you do need some kind of an in, in order for it to work, I think. It's an expensive country and even our own young couples have a hard time establishing themselves.
@Roman Gherta In a two income household, it's not much / high. I made 850DKK last year, working as a specialized tech. And the missus made 600DKK working as a lab assistant.
@@persimonsen8792 And I'm "just a low-income truck driver"... with an income just shy of 550.000. My wife is a caretaker (Sosuhjælper) at an old folks home working night shift, and she makes around 400.000 a year working part time.
A Skat (skat = tax) is the tax that a person in Denmark pays, when being in regular employment. The taxes have already been deducted, when this employee receives the money into his bank account.
B Skat applies to people who are only being temporary employed for a limited period of time. This person will usually be paid the full amount, and is expected to report the income to the IRS himself. The employer is also obliged by law to report this type of payment to the IRS.
Remember also that he said they EXCLUDE the V.A.T. that Americans are paying for services and products. That's another (hidden) added cost.
Well as a danish person i can say it's not a bad idea to move here, and friends i have either in the states or south america who wanna study abroad i often suggest my own country. Only thing to be vary of is, our weather can be quite extreme at times since we have island climate. So while doing winter you might leave for work and temps are fine, by the time you go home wind might have picked up quite a bit and now the temps feels like sitting on north pole in a t-shirt.
I'm currently a student and when i had to have my heart checked in case i had the same heart problem as my dad, the 3 blood tests, 1 EKG, the 3 day 24 hour EKG and MRI scan cost me a wooping 40 dollars taking the train to and from the hospitals.
I can advice it's not a bad idea living here. But the country is quite flat with a lot of fields and forests.
Stay safe Heidi :)
Der findes ikke dårligt vejr, kun dårlig påklædning. Tell your friends that.
A minor thing to add; If you drive more then than 24km (Around 15 miles) to work daily, then you can deduct the extra kilometers from your taxes. I take the train daily, the monthly ticket costs around 1700 DKK (240 dollars).
I can deduct around 1500 DKK a month from my taxes, which means that I'll get a nice tax return every year that acts like a bonus because I earn enough for the monthly ticket prize not to phase me.
And that's the problem with the American healthcare. Even if you had good insurance, it could still cost $450 per month or $1000 for a family of 4 per month. And even if you were lucky enough to get ill during most of your life you could, get hit by a car, have a heart attack get cancer and all of these things could happen and that's when the co pays and deductibles come in and then your health insurance rises.
Your insurance shouldn't be treated as though it was insurance for a phone as you have a lot more control of what can happen. But healthcare, well you can never know what life may throw you the next day and that's the point. It's a safety net. For everyone.
Okay. I'm an ol' Danish bugger, and not in a super great shape anymore. I went to my doctor this morning, it didn't cost me a single Danish Crown. I will be hospitalized soon, it won't cost me a single Danish Crown. My pension is also payed by the taxes, so my home and cost of living is free. And I even have enough money for travels and other good things, that makes life a little sweeter. It sucks to be sick, but here in Denmark, you don't have to worry about the bills. We take care of each other in our small nation, and that makes me a little proud to be a Dane.
And we don't have the words "In God we trust" written on our bills. We take personal responsibility for our actions, and put humanity first.
Greetings from Aarhus, Denmark.
Holiday & sick leave differences between USA & Dk have an impact. In Dk (and the rest of the EU & the developed world) there would be about 30 days holiday & unlimited sick leave.
So if you have a major illness requiring say 20 day sick leave, in the US you may loose your job and so your work sick insurance, while in DK etc you would keep your job and income while sick and have a job to go back to.
Dane here!
You said:"A Skat, what's that?" 😀 ... Skat means Tax. A-Skat is just the type of tax. It's deducted your paycheck before you get it. As opposed to B-Skat, where you are obligated to report the amount to the Danish IRS and pay the taxes of that amount .... roughly speaking!
The Danish tax system is extremely complicated, but it's also been made very simple as the employer(s) report the salary to the IRS every year, the bank reports loans, debt, interest payments, your place of residence is know, kids, stocks, if you run your own business, then of course you also need to report storage, sales, VAT, value, purchases etc....
All of these factors have an effect on your final taxes. As it's all calculated you'll either be billed for lack of payed taxes, or get a payment back for over-charged taxes...
That's why if you get a raise, change jobs, get fired, sell your house, trade more stock, have kids, purchase an additional house, rent out a summer hourse or whatever, you need to report it in advance to avoid getting a huge bill the end of the year ;-)
As someone living in Denmark, what I will say is that the US has the best healthcare that money can buy. But you get what you pay for, and most people cannot afford the best healthcare that money can buy.
As a result, poor people in Denmark are likely to have far better healthcare than poor people in the US. Likely the same with middle and upper class.
Vi have some of the higest taxes as far i know here in Denmark, we are 55-56% (clearly lower for some with lower income). Only country i know that is near us is France, like less then 1% lower. Rest of europe is 45-55%, many in the middle (50% ish). Except i think Norway and Poland is down around 35% ish area.
I would recommend checking the channel Dream Prague. It is a channel of a married couple from the USA, Jennifer and John, who moved to Prague, the capital city of my country, the Czech Republic. A nice small country in the middle of Europe, with somewhere above 10 million citizens. We are in the EU, NATO, and are part of the Schengen territory.
A standard delivery in the U.S. cost an average of $11,200 in 2017 with a c-section averaging $15,000. By comparison, a standard delivery in the Netherlands only averages $3,600 with a c-section working out at $5,000 and they are typically completely covered by insurance providers.
When you go out to eat in Denmark you also dont give tips, the staff are given a liveable income, naturally that may result in slightly higher prices compared to the US, depending on how much you give in tip. Tax are also included in the prices in the supermarket, or where ever you shop, they dont show a price plus tax.
This is not just in Denmark, but pretty much in every European country and many Asian countries as well. Actually it's almost everywhere better than in the US. When I was young I too heard a lot about the greatest country in the world and how amazing the USA must be. Growing up, getting older (I'm 50 now) and learning more about (world) politics and what is going on around the world and in other countries, my view massively shifted.
Today I don't see the USA as a great country, to me it's the richest 3rd world country and it's getting worse and worse, looking at the increasing amount of shootings, the whole woke BS, transgender ruining women's sports, kids can not play outside or go to school without worry and so on and on. The US work culture is modern slavery and a lot of Americans are brainwashed into defending (often very aggressively and hostile) this country, even against their own people as soon as someone criticize anything about the US.
You are young, get the heck out of this country as long as you have the chance to. There are so many expat channels on YT, watch them, learn about different countries and how the transition is for Americans. Look what fits best for you and your family and start packing. I watch many expat YT channels, because I find it interesting, and I'm yet to see a single expat (single or couple or family) that regrets their decision - it's quite the opposite and many regret not doing it sooner.
Best wishes from Switzerland (originally from Germany)
When I heard about $100,000/year my mind was blown out. Here in Spain my best salary as an IT technician (not as developer, but Systems/Network administration) was 25,000 euros/year, and I've been unemployed 15 years because of ageism, because IT enterprises seldom hire people over 35, and I lost my job right before 2008 Global Financial Crisis, which lasted 7 years here.
How can you not find a job in the IT in 2023?
Learn german and get to Germany ASAP :P
@@hmcredfed1836 I have applied to 1000+ job offers in the last 15 years and only got *two* job interviews, one in 2010 and another one in 2013. Recruiters *never* answer back in Spain.
In 2008, when I had been unemployed just 8 months, a HR girl told me that I had been "too long" without a job, and companies don't like to hire unemployed people. So guess...
I pay 33% in taxes here in Sweden and the healthcare is basically free I think I have to pay like $7 when visiting the doctor. And the yearly taxes / declaration takes like 10 min to do. You just check to se if you are getting money back or have to pay back and then accept it with your phone.
also check out jovie's home or soul to soul traffel. Dar to go Duchts? Greetings from Spakenburg, the Netherlands.
It should also be mentioned that people in the US actually pay a much higher sum of money a year for basic living expenses due to the taxes being basically sneaked into everything else. The tax they deduct from the paycheck is not all the taxes they pay - far from it. Then add that like the majority of that money goes to cops and military (instead of the things that prevent the _need_ for those things), and you have a problem.
When you add other directly subsidised services e.g. kindergartens and most importantly nursing homes the equation shifts even more in the danish direction - My mother ended up on a nursing home for best part of 7 years due to serious dementia - all costs was covered her very small state pension and we only had to cover occasion things like hair dresser - I cannot imagine how I could have paid for that in US or for that matter UK
One thing I wish the US would adopt more than anything is pant (or pfand in Germany) when you buy a soda or beer the packaging has a deposit and when you come back with it you get the deposit back. It's a huge help for low income families or the homeless and then there's obviously the ecological benefits of recycling. 😅
Nordic countries and the US is fairly similar in terms of take home money.
Some differences is that in the nordic countries you'll probably pay a lot more if you have a high income, so it doesn't pay to have two jobs or work a lot of overtime in the way it does in the US.
And if you have a low income you'll probably pay less, but never zero tax.
Sales taxes are higher (not just applied once but at every purchase through the supply chain)
But companies tend to pay less tax on their profit, so they can afford to pay you more pr hour, or about the same as in the US, just for fewer hours of work.
On the whole you can probably afford more "stuff" in the US then a European can, but your quality of life is likely to be higher in Europe.
In Europe you're probably going to have a smaller house and just one car.
But your quality of life when *not* using a car is higher because of public transportation, biking and walking actually being viable options here, so not having the second car ends up being a saving that doesn't impact your quality of life.
And a better house means less heating, less noise pollution, less maintenance costs, and less risk of your home being completely unrepairably destroyed in a disaster of some kind.
Each place has its ups and downs.
And there's absolutely advantages of living in the US that you won't have here.
But regarding the overall package I'm pretty sure that Europe still edges out the US and has been since the 80s.
In DK. Your Young student Will g’et paid to study about 120 dollars a Month if Living Home ore 830 dollar if Living out. ChildCare is partly paid bye the State in kindergarden so the user cost is about 500 dollars
dane here - "A-skat" is taxes for you primary income. We also have "B-skat" which is taxes for if you have like a smaller part job that dont pay that much. Like if you are a student working at a cafe or as a caretaker at a home for elderly or disabled citizen or a freelancer.
The subtitles said Corona instead of Kroner (danish currency) 🤣
Great video Heidi 😁
A thing to add here. I am a single mother with 1 child and studying at university. As a person with a single income I get paid roughly 9500kr after tax (1348$) a month and with an added child tax credit of almost 6000kr (850$) every three months. That has meant for me, that I will be finishing university next month and will come out on the other side completely debt free (without having to work on the side). Although I have not had a massive amount of money while studying, I have enough for a 2 bedroom apartment, a car and also enough for my daughter and myself to enjoy life and have some fun experiences together. So all in all I am just so grateful to live in Denmark and have these opportunities.
The bad part about Denmark is that if you don't like the service of the public system , then you can't afford a private provider , because you pay so much in taxes.
As the travelling young said: Taxes are a complicated issue, and thus hard to compare. However, one of the measures that helps to give an overview, is "Government spending to GDP". It is a measure of how much of the economy the government "controls" or "take in to spend". This covers all the different taxes + government debt issuance. I've linked below the Gov. spending of Denmark and the US from a somewhat credible source. If you click on "Max" for time period, you'll see that DK has a persistent spending of between 50 and 60% (the data only goes back to 1990 - but this has been true since the early to mid 1970ies), while the US has been between 30 and 40% with a few spikes. So taxes ARE higher in DK, though free education and health surely is a big part of that (public spending on health and education in DK hovers around 15 to 20% of the public budget each - depending on method of measurement). VAT is DK: 25% vs. US: approx. 8% and (strap in for this one) New car registration is US: next to nothing, but in DK is is: 150% (recently down from 180%). In other words. When you buy a new car in Denmark, you have to "buy" an additional car and ½ in tax.
Spending to GDP is the important measure in this debate however, so here are the links:
Denmark: tradingeconomics.com/denmark/government-spending-to-gdp
USA: tradingeconomics.com/united-states/government-spending-to-gdp
Happy country-hunting 😉
I think the guy forgot to talk about what happens when you have a health problem, and you cannot work. In some countries you will lose you job after a short time but in european countries you cannot be fired and there is an insurance that will cover your salary, here in switzerland you will get 80% of your salary when you cannot work and many company even cover the 20 % left. So if you get an accident or get sick you don't have to worry to get broke.
16:45 Yeah median household income would be higher in Denmark but mainly because stuff is more expensive there too.
Something you also need to consider, in Denmark there's a portion of your pay, consisting of several hundred dollars every month you don't need to pay any taxes on. Not sure if there's any similar system in the USA.
I also feel like it's worth pointing out that this example is someone that makes a fairly good living, so with the minimum pay in Denmark being alot higher than the US, it's much easier to survive and have fair living standards. Especially considering school and medical care is payed through tax, but in the US it's a specific amount, not a % of your paycheck, which would make Denmark seem even more favorable, using the same example with someone making a quater of this.
To top it Denmark pays student for going to highschools, colleges and universities. The amount depends on whether you live at home with your parents or not. And it depends on your parents income if you live at home. So a student would get from 200 dollars to 1000 dollars a month depending on the circumstances.
If you are interested in information about living in Germany I would recommend "the black forest family" an American family living in Germany. They have a list of very comprehensive videos about a number of topics.
Add to this, that a 5 to 6 weeks paid vacation in Denmark and if you are pregnant, you have up to 1 year paid leave and 20 weeks between you to be at home with the baby. The debt for your home is actually semi tax deductible. Any debt for that matter.
School and all hospital bills are paid through taxes too.! We never even see the bill or prize on anything from doctors and hospitals! The only thing we pay for in Denmark is dental.. and even that you can get covered!
The yawning happens when you forget to take deep breaths. It happens to me all the time when I read loud. XD
Lol maybe I just need to remember to breath deeper, take in more oxygen. I think I'm going to try this!
@@HailHeidi Haha! Yes! I know it is hard but practice makes perfect! :D Looking forward to the progress. haha!
@HailHeidi - A major part of why the Danish model in my opinion* is better.:
You do not worry, and are never concerned with Whether or not you can even seek healthcare or get it, From what I understand about the American model, people often end up having to fight their insurance company in a stressful battle to even get healthcare, something that in fact can make your health deteriorate, not just because you might wait to get healthcare in the first place, and secondly the added stress is making it harder for you to get back into good health.
In the Danish model, there is no concern, no reason to not go to the doctor and no fighting to even get treatment in the first place.
That makes your recovery go a lot faster and you can get back to earning money quicker.
Also, from a medical scientific standpoint, private healthcare research is focused on which illnesses they can make the most money on curing, where a socialized healthcare system focuses research on saving as many lives as possible irrespective of if it can make money, because it just doesn't factor in.
I always wonder why Americans don´t know how other countries work. And why they often condemn measurements that make life so much less stressful as socialistic and vote the Republican Party that keeps the unequal society intact. To my opinion then you don´t deserve better.
Hi Heidi, recently read that about 33% of all American gofundme that is being made, is people asking for help to pay bills for either medication, medical procedure or hospital bills in general....To a Dane that is just crazy that you basically have to beg for help, should you get ill...Good luck staying healthy in America...
And on top of that the taxes include like a year of parental leave and sick days. The salary includes paid 5 weeks vacation.
It's the same in Sweden more or less , here we pay 33% taxes give or take alittle (some pay 1-2% less depending on where u live in sweden and some pay up to 50% if u earn above 5000 euros / Month or 50.000 Sek and u only pay 50% on the amount that is above the limit).
In Sweden basicly everything is covered in your taxes, Healthcare (You only pay a small fee to for the apointment 10-30 euros or 100-300 Sek tho there are some specifik circumstances u might be more or less) , School (1-12 and in Uni/College you only pay for your books not the courses) , Child benefits etc.
So for each kid in sweden that you have the goverment pays u 1250 Sek or 125 Euro and an added 125 Sek / 12.5 Euro per child (So Example Kid1. 1250 , Kid2 1250 + 125 , Kid3 1250 + 125) that is meant to cover things like loss of work and added healthcare etc.
Also in Sweden you are entitled to 5 weeks of PAYED vacation every year , we are allowed 60 days of sickleave with FULL pay (Tho you loose 100% of pay for the first day, however this was removed during covid) and if u are sick for more then 60 days u get i belive its 75% (i could be wrong and its 70 or 80% but one of the 3 for sure been a while since i used it) of your normal pay.
You can be home sick for 1 week before u need a medical note from a doctor recomending a longer sick leave.
There are many more advantages we get for paying so high taxes but theese are prob the biggest ones.
Dear Heidi, when I was still working I got 50 % of my salary. But the state took care of my health insurance, education, retirement and far more. And I could buy me a house and car and go on holiday with full salary. And I could send my children to the university. And had little to worry about.
This family explained it really well.Even if the figures vary somewhat, the principle applies to the whole EU and Scandinavia.At the end of the day, you'll have more of your salary left over than in the US.Honestly, I like paying more taxes because I'm on the safe side.If I have an accident - I just go to the hospital (even by ambulance or helicopter!!!)If something happens to me abroad - I will even be flown back to a hospital in Germany!And how much does it cost me extra? Not a penny!!!All this and much more is possible if you invest in the community instead of what!? - For what is the tax money being spent on in America???
Military.
The average cost in the U.S. for an MRI scan was $1,119, compared to $811 in New Zealand, $215 in Australia, and $181 in Spain. However, data showed that the 95th percentile in the price of this procedure in the U.S. was $3,031, meaning some people are paying nearly $3,000 more for a standard MRI scan in the U.S. than the average person in Australia and Spain.
Generally spoken it´s like this. If one is in the "normal" income area below DKK 500.000,- a year, one pays app. 35-37% in tax as an average. There can be differences due to different deductions, but as an average this covers most. We have 6 weeks of payed vacations. A portion is added to your paycheck and saved to pay this., Maternity leaves for both wife and husband when a child is born. But the pay here is on a lower level. App. DKK 20.000,- monthly. Schools are free, but we have private schools also where the parents have to pay some but the state pays the largest part per child. On university level education is free but one have to pay for books and some exams fees. etc. Health care is free but some medications have to be payed for. Here we have some kind of private insurances via the job we have. This makes one to come quicker through the system. One can allways argue the reasonable in this arrangement. There is an un-emplyment fee to pay if one wishes. Via this one can have app. DKK 20.000,- monthly in 2 years. Alternatively there is the social security system to support.
Socially we do not depend so much on the churches as in USA. Church and religion does not play the same social role in DK as in USA. Rarely people talks about this topic. Most visits the church when babtised, married and at funerals. Generally spoken. We tend to be a bit more pagan I suppose. Socially one have to find friends, social contacts etc. via kolleagues, neighbuhrs, sportclubs etc. And one have to be active to this. Danes are very private. Some even says difficult to open up when you come as a foreigner. So its not allways easy.
Living standards is generally high if one has a job with a normal pay. Buying real-estate is relatively easy in DK compared with many other countries. Cities is offcourse much more expensive as in rural areas.
From what I have seen from other American reaction videos where the host(s) moved or considers moving to Europe, the more popular destinations are the Netherlands, Germany, Sweden and the United Kingdom, the choice for most of those people was greatly influenced by the vibe of certain countries/people in countries that suit them. So are Californians more drawn to the Netherlands for example and New Yorkers more to Sweden or the United Kingdom (England specifically).
I also want to cover debts a bit, here in the Netherlands debt is common to have but due to two issues that cover practically all debt. Those are housing debt and student debt.
Housing debt exists longer and is taken by people who want to buy a house instead of renting one, these debts are then paid off commonly over a period of 30 years including interest.
Student debt is newer, until 2015 the Netherlands had the 'basic grant' given to each student that needed it to cover university costs and housing costs, this did not have to be repaid at the end of your student life.
From 2015 on, thanks to the largest party in the Netherlands (the VVD, our PM's party) the 'basic grant' was abolished and instead students such as I could lend money each month (around 700 dollars at most) to cover university and housing costs. A separate 'loan' for public transport expenses (free use of public transport if you study at a dutch university or university of applied sciences), if a student finished his education within 10 years after starting it including a degree, then the public transport loan would be counted as a grant. You would only have to repay the money you lend from the government over a period of 40 years. This resulted in thousands of students having 40k - 70k in debt for studying, this is so unpopular that the government had decided to reinstate the 'basic grant' starting in 2023. However the 'bad luck generation' (all students who started between 2015 and 2022) will get basically no compensation, around 1000 euros (while most have more than 40.000 euros of debt), those students were basically lab rats.
Californians seem to be favouring Portugal a lot more than other destinations recently.
@@module79l28 I read that somewhere as well, and find it pretty odd, considering how conservative a country Portugal is. PLus their English skill is not tha great compared to northern and central europe. It does have the nice weather though. The americans in the video were from IL, so Denmark can't have been a huge difference in weather.
@@herrensaar1989 - Conservative, Portugal? LOL! And even if it was, what has that got to do with anything?They're moving to a different country with its own political regime, not to a different US state run by their political "enemies".
As for our English skills, I'm not even going to comment on that because you're obviously uninformed.
@@module79l28 Compared to the most others western european countries, Portugal is absolutely more conservative. Which makes absolutely sense, since it's a republic, where a large share of the population regularly attends mass at church.
For the english speaking ability. I must admit, thst it is based on the portuguese students and yourists, that I have met in my own country, and on vacation in other countries. And very few of them, spoke english very well. And I find it funny, that on the English proficiency tests, Portugal has gone from moderate in 2014, to very high in 2021. A whole nation doesnt become fluent in english in 7 years. Usually this just indicates, that a lot og english speakers with national pride, has started tanking the test. And what is most interesting is, thst the lowest scores, came in regions thst usually gets a lot of tourists, but where the population is older, almost as if the older population isnt that bilingual.
Dear Heidi, let me give you some practical information. When I was still working I got 50 % of my salary on my bank account. You might think that is little, but the other 50 % want to health and sickness insurance, retirement fund, unemployment fund, free schools and much more. So only part of it where taxes. Did that leave me poor then? I could buy me a house and car, go on vacation abroad and live a comfortable life with little worries. So I did not complain but was taken care of by the Belgian state. But a big difference is that the sickness funds are non profit organisations. In the US they make money on your sickness.
In USA the cost of treating a broken bone can quickly add up, with the price ranging from a few hundred dollars to over $10,000 in some cases. In UE it is 100 % covered by insurance.
Hi, i'm Danish, and knows the difference about A Skat (Skat is Tax in Danish.), that is you actually incom, your main job/source of money. And theres also a B- Skat, that are payed for any other source of income like a second job. That has a higher tax perceentage, than the A Tax or Skat. 60% of the B income, is taken as tax.
But what the don't tell in the video, is all the 'Hidden' taxes.
You pay 25% of all shoppings in samething called moms, a tax on all items you buy.
And if you get a cae, things goe's ballistic...
You will have to pay a road fee. (Hidden tax) depending on how new and economic your car is. New cars is favored, and the higher miles pr. gallon, the cheaper.
But when you buy the car. (Ohh Boy...) you pay the car... almost 3 times.
The tax on cars, is 180% of the price from the cars actually cost.
Hospital and doctors is free.
But we havent even covered points as 'High income tax' etc yet...
But you still have to pay for dentist etc. Only the healt part is covered by the tax system here.
And about a month ago, Denmark, again, got into the world leading status, as beeing the highest taxed country in the world.
Yes, we actually are the most heavely taxed people on the planet, in 2022, and we will continue to be that, into the future.
But hey. Where i live, taking the bus, is free... It just don't fit with my work hours... I can take the bus to work, but have to wait 7 hours to get home from work...
So i need a car.