Italy verdict
Italy can work well when the city choice matches the income case
Italy is not one financial answer.
Italy works when
Income still leaves room after Milan housing, uneven salaries, deposits and the north-south cost gap are priced honestly.
Italy gets tight when
The plan assumes Milan costs but keeps a reserve that only works in a calmer city.
How much Milan changes it
A lot: Milan, Rome and Turin can turn the same income into three different relocation answers.
When paperwork changes the answer
It matters most when permit and registration friction lands on top of a city budget that already feels close.