Health care costs in Europe? Nice try. We are taxed for that. What he meant is that in desember you usually get a notice from the tax office about next years tax rate. In 2024 you’ll probably pay this much taxes and have these deductions. Is this correct? You’ll have time to change it if you need to and then a set tax rate is made to pay for your taxes for 2024, which is then deducted from you pay check.

Come 2025 and tax season you should have a tax bill for 2024 at 0. If everything checked out. Should be said that the tax office always tax a bit more to be on the safe side.

Only thing I have to do each year is moving half of the paid interest to my girlfriend. (if we were married that would have happened automatically)

Also in my country all charitable donations above 50 USD is registered and gets laid out the tax form. You only get deductions over 50 USD with wire transfer. Paid in cash doesn’t count.

It’s really easy as it should be.

Yes. And many homes in Europe have them. US term for them are split AC systems.