Portugal verdict
Portugal usually works when reserve is strong enough for housing and timing pressure
In Portugal, the first stage often matters more than the long-term average on paper.
Portugal works when
Income still leaves room after Lisbon rent, deposit, tourism-driven housing and the mismatch between local salaries and popular expat prices are priced honestly.
Portugal starts to strain when
The plan assumes Lisbon costs but keeps a reserve that only works in a calmer city.
How much Lisbon changes it
A lot: Lisbon, Porto and Braga can turn the same income into three different relocation answers.
When visa costs bite
It matters most when visa and residency timing lands on top of a city budget that already feels close.