Yeah.
Anyone knows about similar resources for, say, the EU? Or it just varies too much by country here?
Anyone knows about similar resources for, say, the EU? Or it just varies too much by country here?
Most of these are not applicable where I live: you can’t cash out your pension fund, stocks are taxed separately from income, there are no high-yield savings accounts or health savings accounts, credit cards are rarely used and have no cashback.
Regarding tax I just go to the tax authority's website and declare my expected income, assets, debt etc and my employer gets a "tax card" from them which they use to pay taxes for me. At the end of the year the tax authority does a final calculation, sends me an overview and either returns some money or sends a bill for what I owe. I can overestimate my income if I want to avoid that bill, then the tax return is like a bonus but I personally prefer to operate with a healthy emergency fund so that a $3000 tax bill doesn't really bother me. Usually it's like +-$1000 at the end of the year.
The UK (temporarily too embarrassed to be in the EU) has some very generous tax advantaged accounts which match the US ones, so you can map "401k" to pension and "Roth IRA" to ISA to get something similar.