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there is a failure mode, for example in Sicily your first land and/or house is property taxes free and the island is small enough for you to hike around. With 20k in the pocket you can get much more than a shed and can live in it maybe even collecting rainwater or using solar. I know of similar circumstances in Eastern European countries. Yes, living in a car is debateable but in a boat? There is very cheap and shitty coast property.