european personal finance is mostly fees taxes and pretending this is simple

every time i try to make one clean money plan for europe i remember europe is not one country someone says just buy a global etf then another person shows up like yes but in my country accumulating funds are taxed weird then someone else says use the tax wrapper then another person says we do not have that here then a broker fee appears then currency conversion then dividend taxes then exit taxes then some guy with 900 spreadsheets says actually the optimal answer depends on your residency plans