Financing: What interest rate lock? What goes into the budget?

With increasing salary, the demands and the standard of living that one wants to maintain in old age also rise.

We chose one size smaller so that we can "live" even with children. I keep noticing during the Christmas season how recklessly money is wasted on gifts. St. Nicholas, Christmas, etc. blah blah.

BUT others often don't stress about it either, an acquaintance earns endless money off the books. Yes, I don't think it's okay, but he has 1 hardly any pension and 2 consumes the stuff again. Somehow the capital has to go somewhere.

I hope I never have to save money again

Aren't you at all afraid worried about old age? Or about your children's studies (if any)? Or about repairs to the house in 20 years? I have the feeling that one must save, save, save ...

christmas time how recklessly money is wasted

Recently about 80 euros for decoration at our place. Well, I do like it to look nice after all .

Those who only save do not live. Stinginess makes one above all lonely, and not wealthy, even less happy. Some dramas are also over-stylized. Who knows what will be in 20 years. Others have also managed and survived.

In the end, you have finished everything and are sitting on the money. That serves no purpose either. The [Eichenkiste] does not help with that either.

Those who only save, do not live. Stinginess mainly makes one lonely and not wealthy, even less happy. Some dramas are also over-stylized. Who knows what will happen in 20 years. Others have already managed and survived. In the end, you have finished everything and sit on the money. That has no purpose either. It won’t help you in the oak chest either.

and Daddy State doesn’t let anyone starve either

Who only saves, does not live. Stinginess makes above all lonely and not wealthy...

What kind of generalized life philosophy is that? Currently reminiscent of Charles Dickens.

This is not about excessive saving only.
You just have to withhold some of your salary if you plan to purchase something bigger next month in order to pay for it without credit.
For things like a car, you have to live a bit reduced for several months, maybe stretch the time period so as not to appear "stingy" (to use your words).

Whether it makes you happy is up to each individual.
What is a fact, even if interest rates are very low: without any money, a loan is always associated with costs.
But these can be positively influenced with some foresight.

six-figure, fully saved equity

I don’t keep more than 3 months’ salary in the bank

From my point of view, these are already two interesting opposing positions. With my monthly salary, you certainly don’t get far if you only have three of them .

I wouldn’t describe myself as stingy, not by a long shot.