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

Don't forget capital gains tax ...

Don't forget capital gains tax ...

yes, a dream.. only 25%

No expenses/advertising costs may be deducted for this either. You can do the math yourself and compare, if you tax your sales at 25%, which option would be better for you.

25% plus solidarity surcharge and possibly church tax

However, I would like to emphasize again that "fuck you money" is not to be equated with financial freedom (= enough money/cash flow to live without employment (exchanging lifetime for money)). It is about being able to start anew elsewhere at any time and not being dependent down to the last penny. This could be, for example, €10,000 to survive 2-3 months without income, to pay for a move, etc. Simply the necessary money to press the "reset" button without losing stability.

No expenses/deductions are allowed for that either. You can do a calculation to see which option is better for you if you tax your revenues at 25%.

My expenses/deductions are somewhere between 2 and 3%

It's about being able to start anew elsewhere at any time and not being dependent until the last cent. That could be, for example, 10,000€

So it's not primarily about money, but about one's own market value. As an employee (who needs the money because no capital is available), I can say "screw this..." whenever I find something new without complications. That partly depends on me and partly on external circumstances (economic conditions). The same applies accordingly to freelancers and self-employed people, who can only let clients go if there are enough other paying clients providing the necessary revenue.

A certain liquidity helps with that, true. Just like frugality. Since I now have to pay off a house for more than 20 years, I am far less free to say "screw this" than before. But that's what we wanted.