It does, even more so in a double-income household.
Once you retire, you don’t have those buffers anymore. So eventually, I would also have to revisit my current setup, both for emergency fund and in the asset allocation.
Yes, about one years spending in USD, EUR and CHF. But then I have at least the same amount in debt. Cash is nice to make exchanging things easy but it is not a good store for value. Cash is trash…
Single, still, unfortunately, but working on changing that. No debt, hate debt.
The point is we won’t find ourselves on the street, Swiss or otherwise. If we need to leave we’ll be on the plane the second the last RAV payment is in 
Far less worried about retirement as I plan to geo-arbitrage where we own properties and it’s 3-5x cheaper than CH so the same money goes a lot longer way. Plan for JEPx + a rent or two to be covering everything, it’s just getting there that’s the worry!
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The market is at ATHs like all the time. Like really most of the time the market is close to aths.
And have you actually watched the video you posted? This is exactly what one is advised by that to not do, timing the market 
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Exactly. For some nuance, this assumes you can life happily on 70 or 80% of the max insured salary, which probably applies to many people here.
As you said, asset allocation is a different topic. Not needed for an all-in, buy-and-hold investor, but I do get there’s different strategies discussed all over the forum and elsewhere
I see and occasionally talk to Swiss parents at my kids’ schools, real homegrown Bünzli, who have combined salaries of 120k and they look fine, chill, yet I see immigrants like me with combined salaries of 150-sky level and they/we all look like nervous wrecks, all the time, worrying about money, jobs, pensions, insurance.
Edit: that’s not at all a dig on the Swiss, the contrary, us immigrants (Anglosaxons only call themselves “expats”, but I am not one of them) should learn, perhaps.
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those people each will inherit a huge mansion in 20-30 years that is already worth 3-5M CHF, so ofc, why worry? 
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I’ve thought similar but so what? I mean many of these people wouldn’t know what to do with it, or money, anyway. Many barely know of 3A, for instance, let alone anything more complicated money wise.
I am talking about middle-ish class, mostly ausbildung-only level education living well now, it’s good for them.
A better comparison would be to “regular couples” in your country of origin. They’re probably also more chill than you are. There’s something to ancestrally rooted areas that our new home by volition doesn’t have.
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I can worry about a lot of things including money and the rest you mentioned, and then some, but it’s not an existential worry.
Maybe those others have no clue about money and find bliss in ignorance or they do have that big inheritance waiting. Maybe they just look fine for public appearance, or they are, actually just more chill persons.
That’s not something I would add to my worries
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I have perfectly chill expat friends who migrated here in their late 20s, are earning 80-100k a year, living alone with no family, and spending almost everything every month and have no regrets, enjoy traveling and buying up all of available e-commerce and sipping $32 coffees every day (Hello, Emmet! 
)
I’d be worried to pieces, but they are happy. Ignorance is bliss. They might be hit later on in life big time, but hey, we might suddenly die at any time and then what was all that saving for…
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BTW real Bünzlis would never tell you how much they make 
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They don’t have to, I can tell when we’re talking about what jobs they say they do!
Swimming instructor? “Recycling”? Policeman/Grenzwächter? “Life coach”? Cashier in a bank? Nurse in Kantonsspital (first one requiring higher education)? Carpenter/Gipser (they can make good money)?
This indicates what’s written before MIGHT not be serious…
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Well that went way over my head then.
You never know on this forum sometimes though 
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Market and stock didn’t really budge. Makes me think the time of crazy AI gains, and hopefully the talk of bubbles, is coming to a close…
A better measure is how long you stick to a stable strategy.
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Exactly, @Mirager forgot a component of Bünzli.
Empowered by generational wealth, part of why it is very important to have the right thing at the right place, for the story to live on. PhD, high salaries, career progression are very optional and may even disturb the system a bit too much.
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There aren’t many European countries right now where (regular) people are chill with their finance. Switzerland is a blessing.
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Optimism is hard to beat until the recession comes…
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