Special repayment, saving or consumption?

I recommend taking a look at the early 2000s. Anyone who got in shortly before the Dotcom bubble burst did not really make money for 10 years. Of course, it's stupid to enter just before the peak of the bubble, but most people come to the stock market for the first time at such times anyway ;) If you choose the period +-5 years differently, it naturally looks better again ;)

Or the 70s, that didn't go so well either.

I recommend taking a look at the early 2000s. Those who entered shortly before the dotcom bubble burst hardly made any money for 10 years. Of course, it's stupid to enter just before the peak of the bubble, but most people come to the stock market for the first time at such times ;) If you choose the period +-5 years differently, it naturally looks better again ;)

That's why never go all in, better to save monthly. These are currently nice buying prices for every savings plan. And: Anyone investing in stocks, bonds, ETFs, funds, etc. should be aware of what the opportunities and risks are. You should only save amounts here that you don't need in an emergency.

I recommend taking a look at the early 2000s. Those who entered shortly before the dot-com bubble burst did not make money for 10 years.

The probability of hitting exactly such a period is significantly lower than the opposite, but precisely for this reason, an investment period of at least 10 to 15 years is always recommended. Watching money lose value in the bank account is not an option either.

A practical mix of saving and consumption is, by the way, investing in things from the blue and yellow furniture chain. I have already had the experience several times that used items from them - in my case, among other things, bed linen - can be sold years later for more than double the original price. This way, you have consumption, can enjoy the items when they are new, and when you have had enough of them, you make an above-average market return on resale and also act sustainably. If you want to do this on a large scale, however, you need a big attic.

I have already experienced several times that you can sell used items from them - in my case among other things bed linen - years later for more than double the original price.

Try that with used underwear.
That also solves the storage problem.