@mrs_oberland My first choice is Switzerland (if only due to the fact that kids will naturally want to stay here when they’re older), but if the stash isn’t enough we could retire to a nice place in the south of Portugal.
Retiring in a region like Jura is interesting, especially if you don’t especially like big cities and prefer nature. I do think about proximity to health care, especially as we get older. But it is true that you can get a house there for a cheaper price than what I pay for an apartment in the Fribourg canton (currently ~2000 CHF for a 4.5 pièces).
The reason I was surprised by the FI date in Spain is that I thought those estimates were with the salaries you had in each of those countries, but if that’s with your income here, then no surprise there.
I also have a family of 4, and I think our expenses are a bit lower (~4000 CHF/month) - the rent is really the limiting factor at this point. It helps that we rarely do stuff that involves services here in Switzerland (except for the supermarket). As an example, we bake our own bread at home, change and store our own winter tires, don’t really buy stuff we don’t need at the supermarket, are into the zero-waste philosophy, you get the picture. This is the first year that I’m calculating savings rate, but I think we’re on target to reach almost 60% by the end of the year.