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@ericn American living in Germany here. In the US people are paid closer to their market worth. In the modern world a good software engineer is worth a lot. But it is not limited to that. I know plenty of people in the US that make a ton without a degree, if their specialty is in demand. The...

@deedae I've thought about doing some direct indexing too (for the same reason; US citizen in Germany). I was considering partially replicating the Global Wellington fund. My logic is that if you can only buy a limited number of stocks, then value blue chips (what the Wellington targets) are...