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Am I being irresponsible??


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OP, I know it is hard. But just because *this* isn't the right opportunity to move home doesn't necessarily mean that another -- better -- opportunity won't come by some other time. But, I have to say, given all the info in your post, I wouldn't move home right now either.

 

:grouphug:

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OP, I'm confused. Swiss houses cost $1M and require a 25% down payment, which you say you can't do. But then didn't you say you could afford to buy a $200-300K house in CA for cash? Isn't that the same amount of money? I guess the difference is that you'd still have a mortgage in Switzerland. Guess I just answered my own question. :)

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