Construction costs are currently skyrocketing

So I don't lend out my tools. Over time I bought some pretty good devices and enough of them. I do a lot myself on the car and house.
Unfortunately, things then strangely disappear or are inexplicably damaged. Then money comes into play and that can strain friendships. So no thanks.
Otherwise, I am very interested in solutions. But real solutions.

A friend also had that problem and doesn’t lend anything anymore (except the trailer).
I think you also have to be on the same page there. If we borrow things from each other, then it’s clear that we replace them if they get damaged.
But that also means that I am reluctant to borrow a device that I couldn’t just buy new at short notice if needed.

Didn't you also want to minimize repayment before the reunification because of the well-known eternal price & ETF value increase and instead invest the money at guaranteed 6%+ ETF return? ;)

What does that have to do with anything? I continue to invest my money in ETFs.... how they come out of the holes because right now everything is just nonsense... no words

What does that have to do with it?

Basically, it's mostly about: It's also a risk assessment when choosing a loan, which many choose somewhat differently.

They could have quickly taken out a forward loan in February… it was foreseeable at the latest then where the journey was headed.

They could have quickly taken out a forward loan in February… it was foreseeable by then at the latest where things were headed.

sorry, unfortunately the quote disappeared. It was about the neighbors who had speculated in 2018 and had only taken a 5-year fixed term.

Didn’t you also want to minimize repayment before the reunification due to the well-known eternal price & ETF value increase and instead invest the money in guaranteed 6%+ ETF returns? ;)

What is so bad about the current setback or what changes about the concept? Honestly, for me it was a good opportunity to buy again cheaply and lower the average purchase price. Even if the stock markets are weak this year, that changes little about the average return. Average does not mean a fixed 6% return every year, but years with lower and years with higher returns, which on average leads to 6%. My opinion: in at most two years we will have new highs again and my additional purchases from this year will have 30% price gains plus dividends paid out by then while my financing continues at 1.45% and devalues itself due to inflation...