You have to look at the other side of the equation too: expenses and family structures. $200k euros in the bank is a ton if you're a single student. It's a ver

You have to look at the other side of the equation too: expenses and family structures. $200k euros in the bank is a ton if you're a single student. It's a very short runway if you have 6k/month in mortgage, 2k/month in childcare, car costs, educational debt, and so on. Unfortunately, most people don't have that type of savings until they're also saddled with obligations.