Preparation of monthly additional costs. Can I find something like this somewhere?

Back to the topic: I did not write that I will only save 1€ for the next 30 years. This must adjust over the years and really only for the house. The money for this is now in the construction account, which is now a regular checking account. And yes, we still have over 1000€ left per month, which goes into the [Tagesgeldkonto], for garden, car, etc...

hm I don't necessarily find that necessary - My father always said: your school/your studies are your job, so learn properly for it to get through quickly and not dawdle. You don't need to work besides that. It certainly wasn't much what I got, but sufficient. And I learned to only count on the money I have. That was also ok and although I started working relatively late, I can still manage money ;) on the topic: we haven't finalized that yet, but I would find it sensible to set up a separate account/subaccount for it, directly with a standing order from the salary account.

To Topic: I would generally recommend a savings rate that includes, besides reserves for the house, also asset building. If something needs to be done on the house, you should simply take what is needed for that. I wouldn’t use a separate account for this. Especially for renovations in 15+ years, I wouldn’t let money accumulate in a daily allowance account; in my opinion, that’s not sensible.

And if special expenses for the education and studies of the children arise, that’s just how it is, and the asset building is correspondingly smaller – that's life and children give you meaning in a non-monetary way.

A paid-off house does not put food on the table. Of course, retirement planning also includes a type of pension that ensures liquidity.