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      Run the full monthly number before deciding. Rent or mortgage is only the loud cost; the quiet costs are what wear you down. School, housing, language, and visa details are all connected, so one small delay can create a lot of stress. Also listen to the person in the family who is least excited. They often see the problem everyone else is trying to ignore. I would still make the move, but I would prepare with more cash cushion, more patience, and fewer fantasies.

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