Construction costs are currently skyrocketing

I prefer to form my own opinion and actually was quite right with it.

I'm happy for you. Eventually, the interest rates will work out too. P.S. Don't trust any statistics you haven't faked yourself. Below is the chart since the late 1990s for the rates of the 10Y Treasuries. This shows well that we currently do not have a crash, but at most have left behind the extraordinary low-interest phase and reached the average.

And last but not least, a little episode.

The Sparda Bank wanted to close my current account in the summer of 2022 after 25 years because I had not given my consent to the charging of negative interest on my deposits. I refuse to be blackmailed, especially not by a bank.

First of all, the interest rates were no longer negative at that time, and secondly, I am not going to pay the bank so that they can lend out my money.

They were very insistent on getting my consent. In the end, though, they didn’t dare to close my account. Today, of course, they don’t want to know anything about it anymore. Those bastards.

The chart shows the yields of the 10-year US Treasurys over the last 100 years.

Oh wow, so the yields are currently at 110%. Where can I buy these things? I'll take them right away...o_O

This clearly shows that we currently do not have a crash

No crash, no panic, and without panic all the rescue-from-doom phrases become useless.

Seriously: This doomsday mood has existed for decades and the doomsdays have been absent just as long. Please search with your trusted search engine for "Unmoralische Chronik der (verpassten) Weltuntergänge" and you will see how often we were supposed to be dead already – according to Dr. Coldwell, of course, even much more often. My studies are also decades ago by now and even back then, panic was stirred up using very similar means and correspondingly doctored charts.

Those who absolutely want to keep listening to the eternally same phrases of our doomsday prophets – well, you can do that, but you don’t have to.

Presumably, it is pointless to argue with you, at least on this topic, but I have looked up 2 current charts showing how economists actually expect the development at the moment. Including labels and source citation ;)

You can pretty much throw all forecasts in the trash. It's like going to the doctor. 3 doctors and 5 diagnoses. You can always find something that fits. I'm not predicting a crash or anything like that. But I'm also not complaining about high interest rates. I'm actually happy that I can once again invest in fixed deposits at fairly reasonable rates. That doesn't completely offset my personal inflation, but it does to a certain extent. With an interest rate of 7-8 percent on savings, life would be quite comfortable.