Your coast FIRE number, with the state pension counted
Your coast FIRE number is the sum that lets you stop saving for retirement and carry on working. Count the state pension, work until it starts, and the sum shrinks.
Social Security
What the state pays when your earnings stop: unemployment benefit, sick pay, and the contribution records that decide whether you qualify.
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How to build an emergency fund for when benefits fall short
Keep must-pay bills and agreed repayments current, then build a €500 to €1,000 pot. Clear credit you can keep dipping into, like a card or an overdraft, then size your reserve.
What insurance do you actually need: subtract before you buy
Most insurance is priced above your expected loss, by design. Subtract your state, employer and savings, and only the real gap is worth a policy.
Sick pay in Europe: who pays you, and from which day
Up to two years of employer-paid sick leave in the Netherlands, none in Portugal. Nine countries, and the percentage everybody quotes rarely decides.
Unemployment benefit in Europe: when nine states stop paying
Nine European states, six numbers each. Whether your record lets you in, by when you must claim, what the state replaces, and the date payments stop.