Can we afford this? Income / Investment / Equity

I buy when we/I need something, pay attention to the price/performance ratio, and try not to lose sight of the value of money

That's where we differ (completely without judgment, just self-reflecting)... I buy many things because I can, not because I need them. I could give enough examples. But whatever... It's just waste. If all that weren't the case, the house would probably be paid off much sooner. But that's just how it is... I'm a big, playful child with too much money

: I like your definition of poor and rich I will probably remain poor forever

According to Grym's definition, you can get rich very quickly if you have a reasonably decent income: set your standard of living to zero, including reducing your living space to a minimum - drastically increase your savings rate - after a few years, you have enough saved to continue living like that until the end.

From my point of view, that has nothing to do with being "rich." Rich is someone who has to worry little about consumption costs and faces necessary expenses calmly, even when they come suddenly. Rich is someone who can build a home without having to give up a nice car, expensive vacations, and extravagant hobbies. Rich is maybe a small family with 6,000 euros net income. That would be roughly my proletarian definition of wealth.

Cool, we are rich

I had already considered whether to post it right away. Of course, my definition of wealth also refers to something completely different, to lifetime.

From yet another perspective, calculate your real net salary. Money per time. From the money, deduct work-related purchases (suit only for work, etc., for example) and wear and tear on the car for the commute (Golf = 0.40 euros/km; E-Class 1.00 euro/km). At the moment, you count commuting, overtime, business meals,...

And now convert a few purchases from euros into hours using the REAL net salary. Used car 10,000 euros and 10 euros real net salary? The car therefore costs you 1,000 hours or half a year of work. (40,000 euros = 2 years of additional work in this example)

Just as a calculation exercise.

who do you mean?

That was mainly a response to firecrackers. Of course, this is not a private discussion, so feel free to reply if you want...