Hi, thanks for your many replies so far.
You are right, our monthly expenses are quite high, but I suspect that's because I generously round up almost every expense for my calculations, so I don’t cheat myself and end up making the credit look better than it is.
Insurances (500)
We are probably a bit overinsured with disability, life, and accident insurance; there is probably still saving potential here. There was also a mistake because a Riester of 175 then flows into the home Riester and would no longer have to be paid here. So about 500 per month will be paid here (because an additional risk life insurance is added).
General consumption + children’s consumption + ETFs (500)
Only the ETFs are monthly mandatory expenses here; everything else are precautionary write-offs for clothing and “fun” – a new phone every few years or clothes/shoes, etc. for the kids also need to be bought. I roughly averaged it out monthly over the year, probably it’s actually less, but as I wrote above, I prefer to calculate it pessimistically rather than optimistically.
In short: I don’t think we live extravagantly or excessively, but currently we don’t worry too much because every small additional expense is easily covered each month. The points for “consumption” in the list above are all items added for safety and do not represent mandatory expenses.