u/ComfortableDress2690

Currently in (public) accounting after 10~ years, considering to leave this job and the sector but I am not sure about the options.

I bought this apartment + garage parking spot in 2020 for approximately 228k every expense included with a 1,64% loan of 158k over 20 years (carried over with hypotheekoverdracht to keep woonbonus and the lower interest rate from a house I bought with my ex)

It was meant to be a "temporarily" place while I save up for another house.

In the last 1-2 years it seems like similiar listings from the same building (identical apartments) goes from 209k-225k (+ 20k for garage parking spot).

So the apartment I have 120k equity in has not even kept up with inflation.

I have enough to move to a 350k-400k place, but it would require me to put down a hefty sum of capital (which is currently in ETF/saving account).

In this case, does the slowly appreciating nature (+relatively high monthly cost of 220 eur a month including water and gas) warranty a move as soon as possible? With another hypotheekoverdracht + additional mortgage up to 100k and some personal capital.

Not accounting bot here for once.

I have been working as an accountant for a government entity for the past 8-9 years, before this I had few years experience at Big Four/accounting office/internal accountant position.

The job itself is okay, my colleagues are great, the work life balance is great and I have been blessed with 80%-100% remote work since covid. The downside is I don't really learn anything here that is useful elsewhere nor am I building a cv and the pay (B111) is same as a starter in an accounting office but without a company car.

As some of you may know, a minister decided that she wants all public servants to be back at the office for max 50% of the time. This wouldn't be that much of an issue if public transport were reliable, but even now with taking the train once a week I am experiencing delays/issues more than 40% of the time (I keep track). Nor does our building have the capacity to hold this amount of employees so I will actually see my colleagues less due to flexidesks.

With these equations removed there aren't as many benefial outweighing left so I have been exploring other options.

The question is, where can I go? I would prefer public sector as I somewhat do not want to spend my life doing work that gets recharged to clients or to be a chess for profit maximisation. But all the options seems bleak:

Public sector

Local government -> same issue as now

EU bubble -> basically impossible to get in if I understand correctly

HINP BS Ecofin -> very little info to be found on the actual job itself

Private sector

Accounting office -> junior roles to be replaced by AI pretty soon

Internal accountant -> been there once and did not like it

Other sectors/moving abroad -> what can I really do?