... I suppose a court attendant usually has a portafilter .. and that requires no special features in the kitchen other than a suitable workspace.
Nailed it. ;)
Regarding commuting: kilometers are one thing, time and traffic another. I originally come from the countryside, where people drive a lot. But it's no big deal as long as you don’t have to cyclically pass through any bottlenecks. I would always prefer 30 km of fairly free driving over commuting 10 km straight through a big city.
Sometimes you can also avoid traffic pretty well by leaving a bit earlier or later. When I drive to the construction site before work, they are stuck in the opposite direction. If I’m done just after 8, I’m stuck in traffic on the way back. If I drive back 20 minutes later, I’m just behind the wave and relaxed in the office in 40 minutes.
The route is not exactly ideal to drive, but I’m also very flexible regarding start times. So I will be able to adapt well to the traffic.
At the moment I only need 5 minutes by bike, which is of course a luxury. Still, I’m always the first in the office because I like to start very early and leave earlier accordingly. It will all work out. AND: Due to home office and meeting duty, we’re only talking about commuting 2-3 days anyway, the rest I can do at home or in the small town (10 minutes, never any traffic jams).
As soon as the electronic file is implemented sometime, theoretically I wouldn’t have to go to the office anymore…
Regarding ETF: Do you want to use the capital? Then it would really be worth considering whether to at least partially withdraw it. The prices have already dropped quite a bit, but declines of 40-50% also happen more frequently. So there is still room to fall.
Yes, I’m currently weighing back and forth what makes sense. I have 2 funds in the positive, but also 3 slightly in the negative. I’m still undecided about what ultimately makes the most sense…
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The young lady is apparently also well-educated, so she won’t have to hire herself out as a hairdresser. In a few years, 7k will comfortably be on the clock and a 2.5k payment is absolutely within reason. To be thorough, let’s add 0.5k utilities, leaving 4k to live on in the Lower Saxony village. There are worse things, I would say. Sure, in the first years you might have to pinch your butt a little more, but so what, it passes.
So if everything develops normally and as foreseeable, we will exceed 7k€ net in 10 years and 8k€ in 14 years. That’s why I actually assume that maybe the first few years some restrictions are necessary (which we are aware of and accept), but then it will get clearly easier at some point…