Special repayment, saving or consumption?

It probably won't be 50, unless I send my wife to work full-time. Even if it doesn't reach 50, I see it a bit differently. The bigger the house, the more work you have with it, and you're not getting any younger. I'd rather have enough money left in 10-15 years, a small house (which is definitely sufficient for 2 people), and then look at the world again. You can still live off such memories when you're old and frail in the nursing home. If you pay off until 60 or longer, you might run out of time for that.

Maybe I should label my jokes better as such in the future...

Definitely........although I handle it so that I clearly mark my rather rare serious posts as such
But....don’t worry....I didn’t "misunderstand" any of that; it’s about exchanging different opinions and also seeing how others can perceive things, even if you see them completely differently yourself.
I read too much uniformity anyway, so I find other opinions rather refreshing, as long as no one tries to convert me.

And then I retire at 50 or something like that

For that, I already recommend you have a solid plan for that phase of life, similar to how you plan the kitchen in advance, because many people really stumble there; unfortunately!
From personal experience and scientific findings, there is often a deceptive wishful image of having a lot of time and not having to work anymore. Guess why I am, among other things, building again?

It probably won’t be 50, unless I send my wife to work full-time then.

Good idea, pack the lunchbox and take her to the bus, so you can then take care of the rest of the world affairs during the day.

It probably won’t be 50, unless I send my wife to work full-time then.

Even if it doesn’t reach 50, I see it a bit differently. The bigger the house, the more work you have with it, and you’re not getting any younger.
I’d rather have enough money left in 10-15 years, a small house (which is definitely sufficient for 2 people), and then see the world again.
You can also live off such memories when you’re old and frail in a nursing home.
If you’re paying off until 60 or longer, you might run out of time for that.

Or you design the financing so that you can still travel to the Caribbean and elsewhere even during the house financing, preferably twice a year. I’d rather pay until 65 and have set aside money in my younger years before I spend everything and, like a colleague, drop dead two weeks after early retirement at 58... (RIP).

What do you suppose would happen if I admit here that our home financing runs until I am 7x old? That is, if I aimed not to pay off anything or not to fully repay the KFW loan after 10 years.

We have discussed these debates about living now or after 50+ more than enough in our private circle. There is a lot of black and white in this.

I always refer to the cases among my colleagues in their 50s, many of whom surprisingly have health problems that are no small matter. When I see that they are really in bad shape, but their house is paid off, I’d rather buy a mountain bike and ride it as long as my bones and all the other organs still cooperate.

What would happen if I admit here that our home financing runs until I am 7x old? So, if I were to aim for not paying off anything extra or not fully repaying the KFW loan after 10 years.

These discussions about living now or at 50+ we have debated enough in our private circles. There is a lot of black and white.

I always refer to the cases among my colleagues in their 50s, many of whom surprisingly have serious health problems that are no joke. When I see they are really doing badly, but their house is paid off, I’d rather buy a mountain bike and ride it as long as my bones and all the other organs still hold up.

Just do whatever feels right personally. Both directions have advantages, disadvantages, and/or consequences. I myself want to be done in 12 years, and if it takes 14 years, I won’t die from it either. Now, after 15 months of wasting money, I am back on track and feel good knowing how much I can put aside each month and pay off extra sensibly. I was not comfortable having no overview of my finances and expenses.

I see it exactly the same way. Everyone does as they think is right and feels good about it. I am simply someone who does not want to have any debt, and if it cannot be avoided, it should be gone as quickly as possible. At almost 40, I have only had to finance 2 things so far: my studies and the house, and I hope it stays that way.

Freedom and life mean to me living worry-free and unburdened without debt. I hate debt and don't want to have a creditor on my back.