How quickly should one pay off a house?

For example, I have already tried various sports (at a level with teachers and courses for at least 6 months, sometimes years, including golf, tennis, and swimming, but also many other things). I always ended up back in the gym, where I can work out individually at my own pace, have balance, and do something for my health. Sometimes alone or with friends – depending on the mood of the day.

And I have checked out all the hip and expensive gyms in the city and still ended up where I always was – simply the best choice in terms of clientele, equipment, occupancy, etc.


We (the adults) have already been to the USA several times (together, alone, during our relationship, even before... NYC, LA, Chicago, Las Vegas, SF, California, Florida... and also smaller, unknown places). As soon as it’s possible with the kids, we will certainly take longer, bigger trips again. Our little one is 2 years old – I don’t want to subject her to long trips and lots of walking through cities (too big for the stroller, too little to walk a kilometer at a stretch). Therefore, we currently restrict ourselves to Europe and tend to do city trips rather afterwards (we have already been to many places in Europe... London, Paris, Amsterdam, Brussels, Rome, Milan, Venice, Monaco/Nice/Cannes, Prague, Budapest, Sofia, etc... and also many smaller towns/cities/secondary cities like Lyon, Bergamo, Antwerp, Marseille, Rotterdam, etc... – you still have to save a bit for 40+, or we will surely visit some cities again).
Currently, the best vacation with the kids is simply some beach and pool in Mallorca, Greece & Co. – 4 stars and up, family-friendly and close to the beach. We usually book without food and then always go eat somewhere nice locally that appeals to us. Different place every day.

Disneyland, without having dealt with it intensively, would really be the exact opposite of a nice, authentic vacation for me. Disneyland & cruises... – because for me those are really completely artificial environments

then you can stand in line for hours for a mediocre roller coaster ride or whatever.

The expression did not come from me.

what others may have fulfilled in terms of material desires

Note 1: Invest 2000€ per month in retirement provision (including house repayment, EFT and co).
Note 2: Invest 1000€ per month in retirement provision (including house repayment, EFT and co) and 1000€ per month in quality of life.
Note 3: Invest 2000€ per month in quality of life.

But how do you do that? How are you supposed to "buy" quality of life?

Sure, always bring on ideas...

Normally, every person has some dreams that can only be financed with money.
Whether it’s special travel destinations, a certain dream car, or other purchases/events/hobbies, it varies a lot.
Also, how expensive these dreams are varies greatly.
If you say for yourself that you are completely happy and still have money left over every month, then that’s okay.
Then put your money into the loan to pay off the house as quickly as possible.
Once the house is paid off, you build up assets further, and if you are still completely happy in old age, then your children will eventually be happy about a nice inheritance.

You ask "How quickly should you pay off a house?"
I think the thread has shown that there is no right or wrong answer to that question, since everyone can have a different opinion and it always depends on one’s own life and situation.

[...] already experienced and tried so many things. On every hand countless friends with whom you can go for a drink anytime or go to the gym as you please.
But at the same time completely insecure, uninspiring and unimaginative.

Maybe I'm also trying to put you in a box and just can't find the right one. I admit that. In any case, I don't know anyone like you.

Do you really have children???

Do you watch a Disney movie with them and get upset [...]

I repeat myself... something is not right here.

No father makes such statements.

and always remember: people are different.

I, for example, have saved up for a musical instrument. An instrument and lessons are both an investment and a fulfilling and challenging, relatively "immaterial" hobby. Depending on the instrument, the instrument will probably outlive its owner.