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January 12, 2026

Living the ‘Privatier Light’ Life in Austria: Tax, Insurance, and Withdrawal Strategies

Exploring the feasibility of semi-retirement in Austria with a seven-figure portfolio, focusing on self-insurance via ÖGK, tax-efficient withdrawal using the 3% rule or dividend income, and potential deductions for insurance costs under progressive capital taxation.

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Austria

December 13, 2025

Underpaid by Your Austrian Employer? The Backpay That Could Bankrupt You

Claiming your legal salary under Austria’s collective agreement might trigger retroactive taxes and insurance that cost more than you’re owed. Here’s why the system punishes you for demanding fairness.

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