In the Netherlands your pension fund is withheld from your wages (partially a mandatory government fund, partially a fund your employer might select).
My previous employer invested about 1% of my wages into the fund, which was quite shite. My current employer invests 10% and has a significantly better return.
Health insurance is a monthly cost you pay on your own (starting at around € 120 / mo). It’s a € ~350 yearly deductible and coverage is mostly decided by the government. Any additional coverage is your own choosing and comes at a premium.
As you can only switch contracts on a yearly basis, comparing health plans is effectively a Christmas tradition for all Dutch citizens.
For some magical reason, YouTube music has less AI music than Spotify.
The playlists are significantly worse, but I haven’t really heard any AI Christmas music that has infested Spotify.