Special repayment, saving or consumption?

We will have paid somewhere between 20K and a maximum of 25K in interest for our house in the end. Still, I wouldn't know what currently brings a 100% secure return and therefore try to pay off the house as quickly as possible so that afterwards I have no financial obligations at all. However, you can see all this calmly if you can expect a big inheritance. But that is by no means the case for everyone.

We do a mix of everything. We are both not fans of consuming just because there is money. But since we are also not particularly into technology or cars, there is always a good amount left at the end of the month. In our fixed costs of €3,500, €500 are already allocated for additional retirement provision. More is not necessary because later we will receive two pensions and have various other additional incomes by then. At the end of the month, between €1,500 and €2,000 remain. So it is not difficult to make a special repayment of €10,000. Fortunately, we only needed a loan of €200,000. Otherwise, the money is initially left in the instant access savings account. Our plans for children may not be finished yet and possibly we both want to not work for one or two years at some point. Currently, we both work 70%, and you get used quite quickly to the convenience of finishing work at noon every day.

Even without an inheritance, I can view everything calmly, since at 1.63% interest over 30 years I will neither pay nor have to pay any special repayments, and my €908 installment over the entire term is a joke for a house with a 680 sqm plot and rising wages just through inflation adjustment/adaptation. Every month a small amount goes into an ETF, I have consistently held and invested in communication stocks since 2008 with a 5-8% dividend yield and sell them when prices rise and buy back cheaper during market pullbacks. Sometimes I have to wait three quarters of a year for that. But generally, I sell again at a 25-30% price increase, which is a good return for 1-2 years.

With land, incidental building costs, garage, kitchen, fence, garden, etc., most still end up at at least just under 500k.

Sounds definitely like very healthy finances and a good work-life balance. Congratulations on that