Special repayment, saving or consumption?

And as a PS: I follow the strategy of reducing the number of building blocks after the "initial period" in the house in order to regain financial flexibility. I will therefore not make blanket extra payments where I pay the highest interest, but rather "take care" of them one by one in a targeted manner.

In 2019, due to a small inheritance from my wife, we paid off the house. We are now saving 1,300 per month to have a reserve of 50,000 liquid. This is, in case something happens to the house, so that we don’t have to go to the bank immediately in an emergency. We will then invest this in ETFs. Next year I’m retiring, which will of course reduce our income. My wife will work a little longer; she will be done at the earliest in 2026. Consumption, yes, our boat needs money, but I do a lot myself, our annual trip to the Mediterranean is guaranteed, the visit to our son in Austria is also secured. Cars don’t matter to us, it just has to be cheap and drive, we don’t care about image. Clothing, yes, if then something good, but not so often. Otherwise, I advise everyone: first get rid of debt, then build a reserve, then consumption. K