Private retirement provision, occupational disability insurance (BDI), savings rate

Hello dear forum,

I often read listings of income/expenses, savings rates, etc. I notice that one frequently doesn’t read anything about private retirement provision and occupational disability insurance [BUZ]. Do you already take this into account in your net figures? Do you consider these expenses pointless?

In our case, we have - in my estimation - a decent income. We both earn pretty much exactly 3000€ net. However, we take good care of provisions, pay an expensive rent (1151€ cold rent), sometimes go out to eat well, or take somewhat elaborate trips. In other areas, we are very frugal. For example, together we only have a small car. We rarely save more than 1200€. Compared to many others, this doesn’t seem like much.

How do you assess this?

I look forward to a lively exchange.

Best regards

Hello,

we separate BU, retirement provision, property.

There are clever studies that say that a property can also be a burden because you are not mobile and in old age you also need money for renovation etc. pp.

BU = so that the standard of living can be maintained in case something happens AV = so that we (see above) can cover the additional costs, travel nicely and also enable children to study etc. Property = in our case a form of saving because we currently pay only 500 euros more loan than rent per month and our "regular" savings rate of originally 1000-1200 is reduced by this amount

Sounds reasonable! That's more or less how we imagine it too. If only we already had a property...

Sounds reasonable! That’s roughly how we imagine it too. If only we already had a property...

never let yourself be pressured. you don’t buy a property because others are doing it, the interest rates are "cheap" or you think you won’t get anything else

that should be well thought out and a list of pros and cons made

Hello dear forum,

I often read listings of income/expenses, savings rates, etc. I notice that one often doesn’t read anything about private retirement provisions and occupational disability insurance. Do you already take this into account in your net figures? Do you consider these expenses pointless?

For us, it’s like this: we have - in my estimation - a decent income. We both earn pretty much exactly €3000 net. However, we provide well for the future, pay expensive rent (€1151 cold rent), occasionally dine out well, or travel somewhat extensively. In other areas, we are very frugal. For example, we only have a small car together. We rarely save more than €1200. Compared to many others, that doesn’t seem like much.

How do you evaluate that?

I hope for an active exchange.

Best regards

What do you mean, how can that be evaluated?

What are you planning to do?

3,000 per person or together? Alone with the loss of one income due to a child, the "regular" income would be greatly reduced. If everyone earns the same amount, that is 1,500 euros per person and I don't really find that proper.