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Somewhat ironically my lack of debt made it possible for us to move to Europe from the US, though I do have to make sure I earn a decent living (very good by European standards, so-so by US standards) to pay off the wife's aforementioned debt (we agreed to this ahead of time).

And I can only speak from my own experience, but people here do seem to do more of the things I noted. With a month off a year and, frankly, knowing you won't die in a gutter if you lose your job, you can spend more time on music, writing, whatever. But that's pure anecdata.




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