What to do with the Riester pension insurance?

Married(33,38) + 2 children (4,2)

Do you only have one Riester contract? Or does your wife have one too?

Only I have it! A "friend" talked me into it back then, he probably needed a few signatures during his training!

with two children (allowance) it is definitely worth continuing to save... no matter what kind of anti-Riester agitation is in the media

Hmm ok. My financial/insurance advisor is just a total "enemy of the state"... he said that if I spend anything from the Riester for the property, the state owns my house. So that if I had to sell it, I would first have to pay back all the allowances/interest.

2 children each bring 300 euros allowance from the state per year...

No, no Wohn-Riester, your existing contract.