The news article and my comments are about purchasing housing.

And we have permanent residence and are able to use our pensions but chose not to, other than pillar 3 which one does to get a tax advantage. Most people only use pillar 3 since the bank discourages using pillar 2. (basically, you funnel money through pillar 3 to the bank and get the tax break)

Saving taxes in Switzerland doesn't help us much though since we have to pay the difference to the u.s.

I think you may want to take a deep breath and go outside for awhile.