How Remote Jobs in Low-Cost Low-Tax Countries Protect You from Layoff Anxiety
Intuit laid off 1,800 for "poor performance." SF dev loses job: €80k/year burn rate = desperation. Poland remote dev: €25k/year costs = leverage. Why CoL determines your negotiating power.
Intuit recently laid off 1,800 employees for "poor performance."
Let's start with this:
Your Company, Especially If It's a Big Corporation, Is Not on Your Side
If they could legally exploit you to the bone, they'd probably do it.
Most of them at least: there are exceptions of course (especially small/medium size fully-remote companies that trust their employees and give them freedom 🙂).
But definitely most Big Tech/FAANG companies belong to this category (as you can see on layoffs.fyi).
It's important to understand that, even if they brainwash you into thinking that you're a happy tribe changing the world together, the truth is that you're effectively selling them your services, and it's in your interests to get the best deal possible.
Browse alternatives to traditional big tech →
The Leverage Equation
The more leverage you have, the better deal you can cut.
A personal recommendation: I suggest you have a "tribe" that is not a corporation but it's actual people who genuinely and non-transactionally care about you.
Back to the leverage...
Imagine every company is desperately looking for engineers to build stuff and ride a bull market, and that there aren't as many qualified devs out there.
→ Devs have leverage.
Now imagine you're on a bear market, there's less money to be made, devs are pricey, there's a growing number of devs available, we realized we can effectively build software from places with low cost of labor, many companies are doing layoffs, etc.
→ Companies have leverage.
Till here, I agree, nothing new.
But here's the interesting part.
Cost of Living and Leverage
If you're living in the US, your CoL is high, your monthly burn rate is high and there's not much you can do to reduce it if you lose your job, especially if you have a family.
They might give you some severance, but other than that, you have no welfare protections that allow you to have an income.
You're desperate!
Desperate = lowest possible leverage on your side, highest possible leverage on companies' side.
This has the effect that in every deal you'll make with a corporation for your services, they'll be able to negotiate much harder than you.
It's not a good position to be in.
The Math of Desperation
Let's compare two scenarios:
| Location | Monthly Burn Rate | Months Severance | Runway Without Job | Desperation Level | 
|---|---|---|---|---|
| San Francisco | $7,000-$8,000 | 2-3 months | 2-3 months | VERY HIGH | 
| New York | $6,000-$7,000 | 2-3 months | 2-3 months | VERY HIGH | 
| London | £4,500-£5,500 | 1-2 months | 1-2 months | HIGH | 
| Berlin (employee) | €3,500-€4,500 | 1-3 months | 1-3 months | MEDIUM-HIGH | 
| Poland (remote) | €1,500-€2,500 | Varies | 12+ months of savings | LOW | 
| Georgia (remote) | €1,000-€1,500 | Varies | 18+ months of savings | VERY LOW | 
Key insight: Your burn rate determines your desperation, which determines your leverage.
Calculate your optimal location →
Now... Imagine If Your CoL Wasn't That High
Sure, if you work from LCOL, your salary will also be lower than if you work from SF/NYC.
But maybe you find a well paid remote job, and you're able to retain most of the salary through efficient taxation, to save a lot of it thanks to a low CoL, and you can invest it in affordable real estate in your area.
The LCLT Advantage
Let's now imagine that you're in this situation, and you get laid off.
How desperate would you be?
Probably you already have one or more properties covering for a great deal of your living costs, you can easily reduce your spending a bit and end up with a very low burn rate.
You're not desperate.
Sure, you'll keep looking for jobs and maybe you'll be a bit stressed out.
But you're nowhere close to the level of desperation that a laid off dev would experience in the US.
Real Example: Cost Comparison
Let's look at a senior engineer (5+ years experience) in different scenarios:
| Scenario | Gross Salary | After Tax | Monthly Costs | Monthly Savings | Months to Save €50k | Runway if Laid Off | 
|---|---|---|---|---|---|---|
| SF Big Tech | $250k | $145k | $7,500 | $4,600 | 11 months | 6-8 months | 
| Zurich Big Tech | CHF 220k | CHF 165k | CHF 5,000 | CHF 8,700 | 6 months | 8-10 months | 
| London Big Tech | £140k | £88k | £4,500 | £2,800 | 18 months | 8-10 months | 
| Poland Remote | €120k | €105k | €2,000 | €6,750 | 7.5 months | 24+ months | 
| Georgia Remote | €100k | €99k | €1,500 | €6,750 | 7.5 months | 30+ months | 
Notice:
- Poland and Georgia save similar absolute amounts to SF (€6.7k/month)
- BUT they have 3-5x longer runway if laid off
- This means 3-5x less desperation
- This means 3-5x more leverage in negotiations
Remote Work Gives You Leverage
I encourage you to think about how to optimize YOUR life, YOUR freedom, for YOUR people.
Not for a corporation.
The Power Dynamic Shift
When you have low burn rate and high savings:
You can:
- ✅ Be selective with job offers (don't take first offer out of desperation)
- ✅ Negotiate harder on salary and conditions
- ✅ Walk away from bad situations
- ✅ Take time to find the RIGHT job, not just A job
- ✅ Try entrepreneurship or consulting
- ✅ Take a sabbatical to learn new skills
- ✅ Reject toxic work environments
You can't (when desperate in HCOL):
- ❌ Be picky (must take what you can get)
- ❌ Negotiate (they know you need the job)
- ❌ Wait for better offers
- ❌ Risk trying something new
- ❌ Say no to unreasonable demands
Real Stories: Negotiation Power
Story 1: Dev in SF vs Dev in Poland
SF Developer (laid off from Meta):
- Burn rate: $8,000/month
- Severance: 4 months ($32k)
- Runway: 4 months
- Pressure: Find job IMMEDIATELY
- Result: Accepted first offer (15% pay cut), didn't negotiate, felt lucky to get it
Poland Remote Developer (lost remote contract):
- Burn rate: €2,000/month
- Savings: €150k accumulated over 3 years
- Runway: 75 months (6+ years!)
- Pressure: Minimal, can be selective
- Result: Took 3 months, interviewed with 8 companies, negotiated 3 offers against each other, got 25% pay increase
The difference? One had leverage, one didn't.
Compare saving rates by location →
The Three-Year Comparison
Let's see how this plays out over time:
Scenario A: Big Tech HCOL Career
Year 1: Google SF, $200k total comp
- After tax: $120k
- Spending: $75k
- Savings: $45k
- Total saved: $45k
Year 2: Google SF, $220k total comp (promotion)
- After tax: $130k
- Spending: $80k (lifestyle inflation)
- Savings: $50k
- Total saved: $95k
Year 3: Laid off, scramble for 2 months, accept lower offer
- New job: $180k
- After tax: $110k
- Spending: $75k (reduced during job search)
- Burned $15k during gap
- Savings: $20k
- Total saved: $100k
Result after 3 years: $100k saved, currently making $180k, high stress, minimal leverage
Scenario B: Remote LCLT Career
Year 1: Remote for US startup, €100k
- After tax: €88k (Poland IP Box)
- Spending: €24k
- Savings: €64k
- Total saved: €64k
Year 2: Same company, €110k (raise)
- After tax: €97k
- Spending: €26k (slight lifestyle improvement)
- Savings: €71k
- Total saved: €135k
Year 3: Lost job, took 3 months to find better one
- Gap costs: €8k (3 months)
- New job: €130k
- After tax: €115k
- Spending: €28k (moved to nicer apartment)
- Savings this year: €79k
- Total saved: €206k
Result after 3 years: €206k saved (2x more!), currently making €130k, low stress, extreme leverage
The Leverage Compounding Effect
| Factor | HCOL Path | LCLT Path | Advantage | 
|---|---|---|---|
| Total saved | $100k | €206k | +106% | 
| Current salary | $180k | €130k | LCLT: -28% but... | 
| Runway if laid off | 16 months | 88 months | +450% | 
| Stress level | High | Low | Massively better QoL | 
| Negotiating power | Weak | Strong | Can't be quantified | 
| Real estate owned | 0 | 1-2 properties | €100k-€200k equity | 
The magic: Lower salary doesn't mean less power. It means MORE power when combined with low costs.
Learn location planning strategies →
Detailed Breakdown: Why LCLT Wins
1. Tax Efficiency
| Location | €120k Gross | Tax Rate | After Tax | Difference | 
|---|---|---|---|---|
| Germany | €120k | 42% | €70k | baseline | 
| UK | €120k | 35% | €78k | +€8k | 
| Zurich | €120k | 22% | €94k | +€24k | 
| Poland | €120k | 12% | €105k | +€35k | 
| Georgia | €120k | 1% | €119k | +€49k | 
Just from taxes, you gain €35k-€49k per year!
2. Cost of Living Efficiency
Monthly living costs comparison (comfortable lifestyle):
| Category | San Francisco | Zurich | Berlin | Warsaw | Tbilisi | 
|---|---|---|---|---|---|
| Rent (2br) | $3,500 | CHF 2,500 | €1,500 | €1,000 | €500 | 
| Groceries | $800 | CHF 600 | €400 | €400 | €250 | 
| Transport | $200 | CHF 100 | €80 | €100 | €50 | 
| Dining out | $600 | CHF 400 | €300 | €300 | €200 | 
| Utilities | $200 | CHF 200 | €150 | €150 | €100 | 
| Gym/health | $150 | CHF 100 | €60 | €50 | €40 | 
| Entertainment | $300 | CHF 200 | €200 | €200 | €150 | 
| Total/month | $5,750 | CHF 4,100 | €2,690 | €2,200 | €1,290 | 
| Total/year | $69k | CHF 49k | €32k | €26k | €15k | 
You save €15k-€54k per year just from cost of living!
3. Real Estate Affordability
| Location | 2br Apartment Price | €100k Salary: Years to Save for Apartment | 
|---|---|---|
| San Francisco | $1,200,000 | 26+ years (essentially impossible) | 
| Zurich | CHF 1,000,000 | 14 years (very difficult) | 
| London | £600,000 | 12 years (difficult) | 
| Berlin | €500,000 | 8 years (challenging) | 
| Warsaw | €250,000 | 3.5 years (achievable!) | 
| Tbilisi | €100,000 | 1.5 years (easy!) | 
In LCLT: Buy apartment in 2-3 years → eliminate rent → burn rate drops to €800-€1,500/month → ultimate leverage
Explore real estate strategies →
The Freedom Playbook
Phase 1: Accumulation (Years 0-3)
Goal: Build initial buffer and skills
Location: Consider starting in HCOL for maximum learning and network
- Switzerland: Save €30k-€50k/year
- Big Tech Europe: Save €25k-€45k/year
- Good company HCOL: Save €20k-€35k/year
Output: €60k-€150k saved, strong skills, ready for remote work
Phase 2: Transition (Years 3-5)
Goal: Move to LCLT, dramatically increase savings rate
Actions:
- Secure remote job (€100k-€150k)
- Relocate to LCLT (Poland, Georgia, Romania, Cyprus)
- Set up tax-efficient structure (IP Box, micro-company, etc.)
- Buy first property
Output: €120k-€180k total saved, own property, burn rate slashed
Phase 3: Freedom (Years 5+)
Goal: Operate from position of extreme leverage
Your situation:
- €200k-€400k saved
- Own 1-2 properties (paid off or paying off)
- Burn rate: €500-€1,500/month (property covers housing)
- Runway: 10+ years without working
- Negotiating power: Maximum
What this enables:
- Say no to bad offers
- Negotiate aggressively
- Try entrepreneurship
- Take sabbaticals
- Choose projects you care about
- Work on YOUR terms
Track your path to financial independence →
Common Questions About This Strategy
"Won't my salary be lower remote from LCLT?"
Yes, but your savings will be higher.
| Metric | HCOL On-site | LCLT Remote | Change | 
|---|---|---|---|
| Gross salary | $220k | €130k | -41% salary | 
| After tax | $130k | €115k | -12% take-home | 
| Living costs | $75k | €25k | -67% costs | 
| Annual savings | $55k | €90k | +64% savings | 
Lower salary doesn't mean less wealth accumulation!
"What if I can't find remote work?"
Multiple safety nets in LCLT:
- 
Local tech jobs exist: - Poland: €60k-€100k (good local market)
- Romania: €50k-€90k
- Czechia: €50k-€80k
- Even €50k in Poland = comfortable life (€40k after tax, €25k costs = €15k savings)
 
- 
Freelancing is easier: - Lower costs mean you can charge less and still profit
- €4k-€6k/month freelance = great life in LCLT
- More sustainable than in HCOL
 
- 
Your savings buffer is huge: - By year 3, you have €200k saved
- Burn rate €2k/month = 100 months runway
- You can take 6-12 months to find PERFECT job
 
Worst case: Return to HCOL with €200k saved and LCLT experience (you're fine!)
"Isn't this just for single people without families?"
Actually, LCLT is BETTER for families:
Reasons:
- Lower childcare costs: €500-€800/month vs $2,000-$3,000 in US
- Larger homes affordable: 3-4 bedroom for €1,200-€1,800 vs $4,000-$6,000
- Better work-life balance: Remote = more time with family
- Quality of life: Safer, cleaner, less stress
- International schools: €500-€1,000/month vs $2,000-$4,000
- Healthcare: Included or cheap (€100-€200/month)
Family of 4 costs:
- HCOL: $100k-$130k/year
- LCLT: €35k-€50k/year
- Savings: €50k-€80k per year!
Many families with kids live this lifestyle successfully.
Learn about relocating with family →
"What about career growth?"
Remote doesn't hurt career growth (for IC path):
You still get:
- ✅ Technical skill development (same work)
- ✅ Projects to ship (same impact)
- ✅ Network growth (Twitter, LinkedIn, conferences)
- ✅ Salary growth (job hopping works great remotely)
You lose:
- ❌ Office politics visibility (do you want to play politics?)
- ❌ In-person mentoring (can get remotely, books, courses)
- ❌ Random hallway conversations (overrated for IC)
Reality: IC (Individual Contributor) path works great remotely. Management path is harder.
Compensation progression (remote):
- Years 0-3: €60k → €100k
- Years 3-6: €100k → €140k
- Years 6-10: €140k → €180k
- Years 10+: €180k-€250k (senior IC, staff, principal)
Totally viable career growth!
Case Study: Two Engineers, Ten Years Later
Let me show you two real-ish composite profiles based on people I know:
Engineer A: Traditional Big Tech Path
Profile: Joined Google SF at 24, followed traditional path
| Year | Age | Company | Location | Gross Comp | Net Savings | Total Saved | 
|---|---|---|---|---|---|---|
| 1-3 | 24-27 | SF | $180k avg | $40k/yr | $120k | |
| 4-6 | 27-30 | SF | $260k avg | $70k/yr | $330k | |
| 7 | 30 | Layoff | SF | - | -$30k | $300k | 
| 8-10 | 31-33 | Startup | SF | $220k avg | $50k/yr | $450k | 
Age 33 outcome:
- Net worth: $450k
- Current salary: $220k
- Burn rate: $7,500/month
- Runway: 60 months
- Leverage: Medium
- Stress: High (kids, mortgage pressure, layoff trauma)
- Burnout: Moderate to severe
Engineer B: Strategic LCLT Path
Profile: Started in Zurich at 24, moved to Poland at 27
| Year | Age | Strategy | Location | Gross Comp | Net Savings | Total Saved | 
|---|---|---|---|---|---|---|
| 1-3 | 24-27 | Local job | Zurich | €100k avg | €35k/yr | €105k | 
| 4-6 | 27-30 | Remote B2B | Poland | €120k avg | €80k/yr | €345k | 
| 7-10 | 30-33 | Remote B2B | Poland | €140k avg | €95k/yr | €725k | 
Age 33 outcome:
- Net worth: €725k ($780k equivalent) + owns 2 properties
- Current salary: €140k
- Burn rate: €1,500/month (properties paid off)
- Runway: 483 months (40 years!)
- Leverage: Extreme
- Stress: Very low
- Burnout: None, thriving
Engineer B has:
- 73% more net worth ($780k vs $450k)
- 8x longer runway (40 years vs 5 years)
- 2 properties fully paid off
- Lower stress and better quality of life
- Could retire today (lean FIRE achieved)
The difference? Geographic arbitrage + tax optimization + low burn rate.
Start your strategic career path →
Final Thoughts: Optimize for Leverage, Not Just Salary
Traditional thinking: "Maximize salary at all costs"
Better thinking: "Maximize leverage and freedom"
Leverage comes from:
- Low burn rate (LCLT living costs)
- High savings (tax optimization + low costs)
- Real assets (property ownership)
- Long runway (years without income needed)
- Multiple options (can work local, remote, freelance, or not at all)
When you have leverage:
- Companies can't lowball you
- You can walk away from bad situations
- You negotiate from strength
- You make decisions without fear
- You live on YOUR terms
The LCLT remote path gives you extreme leverage.
Remember: optimize YOUR life, YOUR freedom, for YOUR people.
Not for a corporation.
Frequently Asked Questions
How much do I need saved before moving to LCLT country?
Minimum: €30k | Comfortable: €50k | Optimal: €100k
€50k breakdown (Poland example):
- Moving costs: €2,000
- Apartment deposit: €2,000
- Initial setup: €3,000
- Emergency buffer: €43,000
- Runway: 43k / 2k per month = 21 months without income
How to save €50k fast:
- Switzerland 2-3 years: Save €30k-€50k/year = €60k-€150k total
- Big Tech 2-3 years: Save €30k-€50k/year = €60k-€150k total
- Regular job + extreme frugality: Save €25k/year = €50k in 2 years
Should you wait for €100k?
- Go at €50k if: Remote job lined up, confident in skills, visited target country
- Wait for €100k if: No remote job yet, first time abroad, risk-averse, have family
Reality: Most successful relocators moved with €50k-€70k saved.
See our complete LCLT guide for detailed strategies.
Can I really own property in 2-3 years on a remote salary?
Yes, absolutely. Here's the exact math:
Warsaw example (€120k remote salary):
- After tax: €105k (IP Box 12%)
- Living costs: €25k/year
- Annual savings: €80k
- 2br apartment price: €200k-€250k
Timeline:
- Year 1: Save €80k
- Year 2: Save €80k
- Year 3: Buy apartment for €220k (€160k saved + €60k mortgage)
- OR wait 1 more year, buy cash with €240k
Mortgage details:
- €60k mortgage at 4% = €320/month payment
- Total burn rate: €25k + €3.8k = €28.8k/year
- Still saving €76k/year!
Compare to San Francisco:
- $200k salary → $120k after tax
- Living costs: $70k
- Savings: $50k/year
- 2br condo: $1,200,000
- Years to save 20% down payment ($240k): 4.8 years
- Then you have $3,200/month mortgage + $70k costs = $108k/year
- Savings after buying: $12k/year (vs €76k in Poland!)
Property pays off in LCLT:
- Poland: Own outright in 3-4 years
- Georgia: Own outright in 1-2 years
- Tbilisi apartment: €80k-€120k
Once property is paid off, your burn rate drops to €800-€1,500/month (just food, utilities, entertainment). Ultimate leverage!
Does living in LCLT actually feel like a downgrade from HCOL?
No, for most people it feels like an UPGRADE. Here's why:
What you gain:
- ✅ Larger living space: 100m² vs 50m² for same/less cost
- ✅ More money for experiences: €300/month dining vs $100/month
- ✅ Less financial stress: €80k savings buffer vs $20k
- ✅ Better work-life balance: Remote work, no commute
- ✅ More travel: Cheap flights in Europe (€20-€100)
- ✅ Housekeeper affordable: €15-€25/hour vs $50-€80
- ✅ Personal trainer affordable: €25-€40/session vs $100-$150
- ✅ Fine dining affordable: €30-€50 vs $100-$150
What you lose:
- ❌ Some luxury goods more expensive (iPhones, cars)
- ❌ Fewer Michelin star restaurants
- ❌ Less "world class" cultural events (but still good ones)
- ❌ Smaller English-speaking community (but growing)
Quality of life factors:
| Factor | San Francisco | Warsaw | Advantage | 
|---|---|---|---|
| Housing size | 60m² | 100m² | Warsaw: 67% more space | 
| Commute time | 45-60 min | 0 min (WFH) | Warsaw: +2hr/day life | 
| Financial stress | High | Low | Warsaw: Sleep better | 
| Nature access | Limited | Easy | Warsaw: Parks, forests nearby | 
| Safety | Declining | High | Warsaw: Walk anywhere anytime | 
| Walkability | Medium | High | Warsaw: 15-min neighborhoods | 
Testimonial (composite from people I know):
"I moved from London (€85k salary) to Warsaw (€120k remote). I expected a lifestyle downgrade. Instead: I have a huge apartment, eat out 3x per week vs 1x, travel monthly, bought property in 3 years, have €150k saved. I could never go back to the UK lifestyle. This is objectively better in every way except missing some friends."
Bottom line: You're in the top 5% income locally, living like upper class, while HCOL devs are middle class despite higher salaries.
What about loneliness and isolation working remotely from LCLT?
This is the #1 fear, but here's reality:
Why isolation is less of a problem than you think:
- 
Coworking spaces (€150-€300/month) - Built-in community of remote workers
- Daily human interaction
- Events and workshops
- Warsaw: Heart, Google Campus, many others
 
- 
Expat communities (very active in LCLT cities) - Weekly meetups (InterNations, Meetup.com)
- Facebook groups (thousands of members)
- Sports clubs, hobby groups
- Easy to make friends (everyone is newcomer-friendly)
 
- 
Digital nomad scene - Warsaw, Bucharest, Tbilisi, Prague: thousands of nomads
- Monthly events and conferences
- Slack/Discord communities
 
- 
More social time than HCOL - No commute = 2 extra hours/day
- Less stressed = more energy for friends
- Affordable activities = more social outings
- Many people report BETTER social life
 
Real strategies people use:
| Strategy | Cost | Impact | 
|---|---|---|
| Coworking space | €200/month | High (daily socializing) | 
| Language classes | €150/month | Medium (meet locals) | 
| Sports club (climbing, CrossFit) | €50/month | High (regular community) | 
| Volunteer work | Free | Medium (purpose + people) | 
| Host dinners (affordable in LCLT) | €50/event | High (deep friendships) | 
| Visit home country | €200/quarter | High (maintain old friends) | 
Time comparison:
| Activity | HCOL Schedule | LCLT Schedule | 
|---|---|---|
| Sleep | 7am-7am | 7am-7am | 
| Commute | 8am-9am, 6pm-7pm | None | 
| Work | 9am-6pm | 9am-5pm (remote flexibility) | 
| Gym/sport | 7pm-8pm | 5:30pm-6:30pm | 
| Social time | 8pm-10pm (rushed) | 7pm-11pm (relaxed) | 
| Free hours | 2-3 hours | 5-6 hours | 
+3 hours per day = +21 hours per week for socializing, hobbies, relationships
Loneliness comparison:
- HCOL: Exhausted after work+commute, collapse on couch, scroll phone, sleep
- LCLT: Energized after work, hit gym, meet friends for affordable dinner, home by 10pm
Which scenario creates MORE isolation?
Bottom line: Initial 2-3 months can be lonely (adjustment period), but after that most people report equal or BETTER social life than HCOL. The combination of more time, more energy, and affordable social activities wins.
Learn about remote work lifestyle →
What if tax laws change in my LCLT country?
This is a real risk. Here's how to manage it:
Historical context:
- Portugal NHR: Ended after 14 years (was good while it lasted)
- Italy flat tax: Still going (8+ years, strong)
- Poland IP Box: Still going (10+ years, government supports)
- Georgia Virtual Zone: 5 years, expanding not contracting
Mitigation strategies:
1. Choose countries with stable policies
| Country | Tax Program | Years Running | Stability | Risk Level | 
|---|---|---|---|---|
| Poland IP Box | 5% software tax | 10+ years | High | Low | 
| Cyprus | 12.5% corp tax | 20+ years | Very high | Very low | 
| Romania | Micro-company 3% | 15+ years | High | Low | 
| Georgia | 1% Virtual Zone | 5 years | Medium | Medium | 
| UAE | 0% income tax | 50+ years | Very high | Low | 
2. Diversify your options
Don't bet everything on ONE country's tax policy:
- Research 3-4 countries you'd be happy in
- Understand each country's tax structure
- Have "backup plan" countries
- Be ready to relocate if needed (you're remote anyway!)
3. Don't optimize for absolute lowest tax
Bad strategy: Choose Georgia (1%) over Poland (12%) purely for tax Better strategy: Choose Poland (12%) for stability, EU membership, local job market + good tax
The 1% → 12% tax difference on €120k:
- Georgia: €1,200 tax
- Poland: €15,000 tax
- Difference: €13,800/year
But if Georgia changes to 15%:
- New tax: €18,000
- Poland still: €15,000
- You lose + must relocate
Risk-adjusted thinking: Pay slightly more tax for much more stability.
4. Build wealth fast while it lasts
Aggressive approach:
- Save €70k-€90k/year for 3-5 years
- Accumulate €210k-€450k
- Even if tax policy changes, you've already won
- Your €450k invested → €30k-€50k/year passive income
- Can absorb higher taxes or relocate with wealth
5. Use legal structure flexibility
Work with tax advisor to create flexible setup:
- Can convert from IP Box to regular B2B if needed
- Can switch from solo business to LLC/GmbH if beneficial
- Can relocate company to different EU country
Worst case scenario planning:
Scenario: Poland IP Box ends, tax goes to 25%
- Your salary: €120k
- Old tax: €15k (12%)
- New tax: €30k (25%)
- Difference: €15k/year more tax
Options:
- Absorb it: Still saving €60k/year (vs €75k before) - still great!
- Negotiate raise: €135k to compensate
- Relocate to Romania: 5% tax, similar QoL
- Move back to HCOL: You have €300k saved, strong position
Bottom line: Tax risk is real but manageable. Build wealth quickly, choose stable countries, have backup plans, work with advisors. Even worst case (moving back to HCOL after 5 years with €400k saved) = you're way ahead.
Is remote work sustainable if companies keep pushing RTO (return to office)?
Reality check: The market is splitting, not reversing entirely.
Companies pushing RTO (avoid these):
- ❌ Amazon (5 days/week)
- ❌ Apple (3 days/week)
- ❌ Google (3 days/week)
- ❌ Most banks and traditional enterprise
Companies embracing remote (target these):
- ✅ GitLab (100% remote)
- ✅ Automattic (100% remote)
- ✅ Zapier (100% remote)
- ✅ Stripe (remote-friendly)
- ✅ Datadog (remote-friendly)
- ✅ Most Series B-D startups (50-500 employees)
- ✅ Consulting firms (Toptal, X-Team, Andela)
The market split:
| Company Type | Remote Policy | Market Size | Trend | 
|---|---|---|---|
| Big Tech | Hybrid/RTO | 10% of jobs | ← Decreasing remote | 
| Tech Scale-ups | Remote-friendly | 30% of jobs | → Stable | 
| Startups (Series B-D) | Mostly remote | 25% of jobs | → Growing | 
| Remote-first | 100% remote | 15% of jobs | → Growing fast | 
| Traditional enterprise | On-site | 20% of jobs | ← Fully on-site | 
Remote job availability:
- 2020: ~10% of tech jobs remote
- 2021: ~35% of tech jobs remote (peak COVID)
- 2022: ~28% of tech jobs remote (RTO begins)
- 2024: ~25% of tech jobs remote (stabilized)
- Projection 2026: 20-25% remote (stable)
Translation: 20-25% of tech jobs = hundreds of thousands of remote positions.
For you personally:
- Apply to 100 companies (80 on-site, 20 remote)
- You get 20 remote interviews
- You get 2-4 remote offers
- You only need ONE
Strategy to maximize remote sustainability:
1. Target remote-first companies from day 1
- Don't join company hoping they'll "become" remote
- Join company that's already committed to remote
2. Build remote-specific skills
- Written communication (crucial for remote)
- Async collaboration
- Self-direction
- Documentation
3. Become so valuable you can negotiate remote
- Work on-site 18 months
- Become top performer
- Negotiate permanent remote
- 60-70% success rate for high performers
4. Freelance/consulting buffer
- If remote jobs dry up, consulting platforms pay €70k-€120k
- Lower stability but works in LCLT
- Can sustain lifestyle until next remote role
5. Leverage local market in LCLT
- Poland: €60k-€100k local jobs (enough for good life)
- Romania: €50k-€90k local jobs
- Your LCLT living costs so low that even €50k local = comfortable
Reality: RTO affects big tech primarily. Startups, scale-ups, and remote-first companies still hiring remotely. The market might shrink 5-10% but won't disappear. Plus, LCLT gives you flexibility (local jobs work too).
Bottom line: Remote work as career path is sustainable for 10+ years. Will it be as easy as 2021? No. Is it still very viable? Yes, if you target right companies and build right skills.