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I've found that it's the other way around, Europeans want to call Americans refugees because they themselves use it as an insult. If I started introducing myself as a refugee/migrant worker at my tech job, people would think I'm making some kind of sick joke.

Or immigrants! I moved to NL (but took a local job at a local salary) and I don't plan to go back to the US. Obviously life happens and I can't predict the future, but I would not be surprised if I am applying for citizenship after my children become adults.

Check whether it might make sense to apply before. I don't know the situation in the Netherlands, but it might simplify your children acquiring Dutch citizenship.

It's been used whenever there were people moving out of real need rather than convenience or adventure. There was no question that Jews fleeing Europe in the 1930s/1940s were refugees even if they were white and upper class.