Unrealistic savings goals


Sure numbers are thrown around but don’t take it to serious unless you know the situation of the guy. Family is different then couple w/o kids then single living alone in flat also it largely depends on the job / income. In my point of view we should stop talking about savings rate but spending amount per month and household size to get a comparable picture.


Paying over 50k per year for daycare (2 kids) is currently killing our savings rate. That is also an unavoidable expense if both are working.

In the thread there is a lot of discussion about living further away from work (1h commutes) to get cheaper rents. Might work nicely when you are single and have plenty of free time that can be spent commuting. With a children and both parents working, it would almost be impossible to have such a long commute.


One way you can avoid it is hire a girl in her early 20s as a nanny to live with you. She will need a room, some food and 1000 chf per month. She can also clean and cook.


True, however to fully replace daycare with an au pair would kind of be illegal in Switzerland. They are only allowed to work 30h a week and it is specifically mentioned that they should not cook or clean but take care of kids (if I recall correctly).
The host also needs to pay for a language course and your apartment needs to be a bit bigger to have an own room for the au pair as well, + the 1000
Chf “salary”.
These all push the monthly costs probably above 2k already.
So one is able to cut the “daycare” costs in half, but you need to break the law, have your kids full time taken care of by an uneducated stranger and have said stranger live in your house. For the moment we opted for daycare :slight_smile:


I used to know a few nannies in Zurich area, they were of course all expats but they were nice girls. I guess it helps to have a house, then you both can have some privacy. So, sure, it’s not for everybody and it’s not immediately much cheaper.