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@cankosker If I were young starting out again, I would travel. There is a BE-NE-LUX ( Belgium, Netherlands, Luxembourg ) Working Holiday visa. You work up to a year.

@monsoon The problem is that if the markets are down, you might be selling at a loss. Actually, if you had done started this 2 years ago, you would have been paying the higher interest rate for nothing. If you do it in a taxable account, you can at least write off the interest.