How much money do you have on the edge?

You probably also don't have nearly 100 times your net salary as "debt"...

For example, I didn't mention explicit numbers, only percentages, as that is easier to read. But if you know the numbers behind them, you'll realize that not all that glitters is gold

Nope, 200k left with 6000 net and only 9 years left to pay. So 33 times. I'm the advocate here for buying and building smaller and not letting yourself be enslaved. We pay down very aggressively, but also like to consume and go on vacation

I would like to know who benefits from this discussion or what it is supposed to be helpful for.

We all have very different perspectives and attitudes towards life, different environments (profession, family/children, ownership structures, etc.), beliefs, nationalities, different upbringings and above all risk mentalities and definitions of "being on the edge."

Above all, we are anonymous here. One is supposed to be a millionaire, another earns 6,000 euros net and another has 30 times that net income as a reserve, regardless of the fact that much of it cannot actually be verified. Who does this discussion benefit at all, if one does not present his being as a basis or if this is not known individually?

A different question, since we want to discuss something like this here: who among you is happy with what he has and is?

Are there also people here who have a great wife, great children and great friends on the edge? Who is happy with his investment in real estate, who looks positively at the circumstances that may come because he thinks not in problems but in solutions, who trusts that there will always be solutions? Simply happy with what he has and does not have to make everything materially beautiful?

Someone wrote, who actually calculates their living value, precisely the children growing up and being able to play in their own garden, not being dependent on landlords and who enjoys their life and being calmly with their own condominium? Having little material possessions on the edge, but being willing to accept certain risks for ownership, but that this fulfills his life and he sees it as his task?

So that this does not sound ambiguous, reserves are important; it also reassures some people to be millionaires or to earn 6,000 euros net or to have 109 times the net income on the edge, but what is all of this supposed to tell us, what is it representative of and what does it say about person A, from which B derives any benefit or added value, especially anonymously and in a forum where everyone presents themselves in their own way and seeks their purpose in precisely this?

I would like to know who benefits from this discussion, or what it is supposed to be helpful for.

We all have very different perspectives and attitudes towards life, different environments (job, family/children, property ownership, etc.), beliefs, nationalities, different upbringing and especially risk mentalities and definitions of "being on the edge."

Above all, we are anonymous here. One is supposed to be a millionaire, another earns 6,000 euros net, and another has 30 times that net income as a reserve, regardless of the fact that much of this cannot actually be verified. Who gains anything from this discussion if one does not simultaneously present his being as a basis or if this is known in each case?

A different question: since we want to discuss such things here, who among you is happy with what he has and is?

Are there also people here who have a great woman, great children, and great friends on the high edge? Who is happy with his investment in real estate ownership, who faces the circumstances that may come positively, because he thinks not in problems but in solutions, who trusts that there will always be solutions? Simply happy with what he has and does not have to justify everything materially?

Someone wrote, who actually calculates the value of living, namely that children can grow up and play in their own garden, that one is not dependent on landlords and enjoys his life and being in his own condo? That one has little material on the high edge but is willing to accept certain risks for ownership, but this fulfills his life and he sees a task in it?

So that this does not sound ambiguous, reserves are important, it also reassures some people to be a millionaire or to earn 6,000 euros net or to have the 109th-fold net income on the high edge, but what is all this supposed to tell us, what is it representative of in any way and what does this say about person A, from which B derives any benefit or added value, especially anonymously and in a forum where everyone presents themselves in their own way and seeks their purpose in exactly this?

I only have one friend and that is enough for me. Otherwise, it was an open topic. Those who don’t like it don’t have to participate. It’s also about money here and not about the social environment.

So, it’s about real estate ownership and about arranging the appropriate financing, and not about the social environment as well? OK.

I didn’t want to shut down the discussion at all, on the contrary, I expressed my opinion and only questioned this discussion and pointed out that, in my opinion, it’s not just about money, at least if you want to consider the matter holistically, and here, the topic of money also includes the most diverse people with their being and actions.

By the way, you do confirm the most diverse perspectives, maybe you can briefly answer or clarify the questions I asked and tell me how one is supposed to gain a benefit from these different perspectives, or what this discussion – which, from my point of view, should be carried out – is supposed to serve?

Apparently I didn’t understand something and I’m questioning that!

As a millionaire, it is stressful too, really: As soon as you have the first one, you immediately think: Two would be better, and the stress starts all over again. And so on. Actually, it never ends. What according to Piketty should the long-term average return on capital be again? Somewhere around 4 to 5%? More would be better? True. But last year I only had 2.9%. Oh, I’m a loser, but I don’t want to be one, I have to do something! New stress. It goes on forever.

Someone here once wrote very rightly: Whoever has something, also has something to lose. Very true! Below a certain level, you can’t lose anything anymore. On the contrary: That’s when Father State comes and helps you get through the worst problems. Seen like this, the poorer person is the happier one. Actually.
Money does not make you happy at all, it only gives you, from a certain amount on, the opportunity to think about other things besides covering the most basic needs (housing, food, medicine), to spend a whole weekend just reading, traveling, etc. You don’t have to go far; just south of the Alps many people have COMPLETELY different problems than we do here. That can already make you grateful for how you live here. And whether or not there is more or even more or yet more money in reserve: If you’re not clever, it only pleases the heirs. The last shirt has no pockets. In this sense, I say goodbye from this forum. It has been an entertaining and interesting time here. Thanks to some folks here (ypg, zaba 12, nordlys...) Don’t forget to live despite all the interest, percentages, and repayments, folks! Ciao!

Well, even here, being a millionaire does not necessarily have to lead to problems

Especially for this

Forget about living because of all the interest and percentages and repayments, guys! Ciao!

but my approval, both are possible, living and enjoying this and property and you certainly don't have to be a millionaire for that.