How to make FI/RE like Estonia? v2

You can read more about FIRE, or financially independent/retire early here.

/u/VogonJeltz42 made the first one 4 years ago FIRE topic, I guess there is no topic after that r/Estoniamore discussed in

I thought I could bring the topic back to life and this time discuss a bit about the RE part, not only how to optimally scoop up money, but if anyone has something useful to add from the accumulation point, you can still write it down.

Personally, I would most likely be able to in Estonia within the next 5 years /r/LeanFIRE-ima, although I don’t think it will work because I like the job, the pay is good and I’m still quite young (mid twenties). Still, I think it’s at least an interesting thought exercise.

From my point of view, pros & cons in Estonia retireabout what

Pros:

• The home owner does not pay land tax.
• There is no property tax (except for land tax, which is quite mild at the moment).
• Low cost of living.
• Assuming you are Estonian, your family/relatives probably live here (maybe this is a con for some?).
• There are no natural disasters.

Cons:

• Climate (subjective).
• High capital gains tax (capital gains tax), 20%. There are a bunch of countries in the EU where (on long-term shares) the capital gains tax rate is 0%.
• The neighboring country likes to fight.
• Medical insurance.

Health insurance seems to be the biggest problem for several reasons:

• Voluntary health insurance is expensive compared to other EU countries (€238.20/month).
• The price of voluntary health insurance is indexed – the price of health insurance is 13% of the average gross salary of the previous year. Since Estonia has not yet caught up with Western Europe in terms of wages, it is not science fiction to think that wages can grow at a faster pace than inflation in the developed world. So it would be wise to increase the FIRE number to withstand the increase in the monthly health insurance payment.
• Health insurance coverage does not seem to be very good – NGOs are always collecting money for cancer treatment. If health insurance didn’t only cover very rare and difficult-to-treat diseases (like Annabel had a few years ago), it would be okay, but browsing "A gift of life" posts, then it seems that very many cancer cases that do not pay science fiction sums need crowdfundimist. In richer and larger EU countries with universal health insurance, you probably don’t have to rely so much on the goodwill of the people.
• Assuming that you last earned your bread abroad, it may be difficult to get national health insurance at all, even if you are willing to pay (conditions here).

Maybe I missed something or made a miscalculation somewhere?