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$€360K, No Pension, Age 50: The Brutal Math Behind ZZP Early Retirement Dreams$

Netherlands

Feb 20, 2026

€360K, No Pension, Age 50: The Brutal Math Behind ZZP Early Retirement Dreams

A 50-year-old Dutch self-employed worker with €360K assets wants to retire at 60. The numbers reveal a harsh reality about pension catch-up limits, Box 3 taxes, and why paying off your mortgage might be the worst move.

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