Saving or building, which is more sensible?

Good morning to you ALL.

I have also already invested in gold and silver.
But here too, you have to find your own right path.

As Spritti123 clearly writes, silver is also important, if not even more important than gold.
The reasons for this are obvious. There are almost no silver mines; if you will, it is a byproduct of metal extraction.
Furthermore, there is more gold than silver on our market. Silver prices are currently rising sharply.
In an emergency, it is easier to buy something with silver than with gold.
What do you want to buy in an emergency with a gold bar that you bought now for €6,000?
Or with one ounce of gold???? Smaller quantities are sold too expensively.
The disadvantage with silver is the huge amount. Where do you store all that????

I could write a whole novel about the pros and cons here.

But dear members, I thank you for all the answers here, but we are veering completely off the original topic.

2000 net and 1710 saved.

Not that I wouldn't be happy for you, but how does that work? That's 290€ expenses per month.
I already pay more for insurance and retirement provision. I also have to eat and drink, let alone other fixed costs like [Handyvertag], internet, electricity, car (!). The latter often burdens the wallet monthly as much as your total expenses.

I would really be interested in a breakdown. I can hardly believe that it is possible nowadays in Germany to get by permanently with 290€ and less, housing costs notwithstanding...

Thanks!

Your topic was: Should I build now or later? Your inner attitude is clearly for now. But now means overpriced. You know that professionally. Therefore, you hesitate but look for arguments to do it now anyway. Is your life really settled where you are? What will happen to grandma's house when she goes where everyone will go? Yours? Would an investment property also be possible? Buy a condominium or a duplex for rental purposes? Vacation apartments? At Lake Constance? Check everything, discuss everything with her. Then act carefully. It doesn't matter if it takes 6 weeks. K.

I knew this question would come eventually. Few people believe me when I say that my savings rate is about 80%. So my monthly expenses. Mobile phone/Internet 50 €. I share the internet with my neighbors. For food and drink, 100 € each are put into a fund. I cook everything fresh and do not eat any ready-made products, and I never eat out, and at lunchtime I go home. But I buy sausage, cheese, and meat from the butcher. In summer, I live a lot off the garden. That means on average about 85 € per person is used. The rest of the money is saved, and with it we sometimes go out to eat or something similar. I only have two insurances, which cost 150 € per year. Then I give myself 200 € pocket money per month that I use to live on, for example for clothes (no Kick NKD. I only buy decent things, usually only shirts and trousers), fuel for chainsaw and motorcycle (125 cc) etc. People, believe me, 200 € is totally enough if you don’t live a consumer lifestyle. I have everything carefully listed in an Excel sheet. Anyone interested in saving can contact the frugalists. I also don’t go on vacation, it’s unnecessary for me. When I have vacation, I go to my parents in Bavaria. So it costs nothing, I also have a company car. Maybe, no, I have to admit that I am stingy in many things and I consider whether I really need the device or whatever. My income: Salary Internet Tax Vacation pay Spesen and performance bonuses (unfortunately very low) Money gifts at Christmas and birthday. If you have any questions, I am happy to help you. The first paragraph applies 100%. But now only because I am AFRAID that my money could possibly go down the drain. I know myself that it is suboptimal. It is 99% settled; I have everything I need here. The house will be inherited by my father and uncle. There are also two semi-detached houses owned by my uncle and father, also inherited here in my village.

You do realize that your costs will rise massively in your own house, right? Or will grandma also pay

-property tax
-water/sewage
-sewer
-insurance
-electricity
-heating
-GEZ
-telephone
-garbage
-etc.

for you?

I won’t say anything about your costs; you probably eat at grandma's once a day, right?

Taxes are income for you? And you are a site manager? I rather believe it's a troll. If not...respect for living frugally. It wouldn't be for me...what do you want to become? The richest person in the cemetery? Life is way too short for all the nice things..e.g. traveling and seeing a lot of the world. But to each their own..