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@lovegod033 There are various rules of thumb regarding cars - one is that it should not cost more than 1/4 of you annual take home pay (a rule I live by as well). Get your income up. Until then drive old beaters, it's simply the financially responsible way to go. Get a tesla when you're 45.

@lovegod033 Long story short - if you cannot pay cash for a car you cannot afford it. This is financial suicide.

@tpevy2 Exactly- I would go with accumulating. Just remember to keep some cash in the bank because you pay some KESt for the dividends accumulating.

@lovegod033 yes, everything is done for you. However, there is a smallish part - due to double taxation you are entitled to get some parts of the tax back (withholding tax, "Quellensteuer"). the witholding tax basically shoots your capital taxrate up to ~40%, if you use single stocks from...

@lovegod033 A thing regarding Degiro - do not use it. It is not "steuereinfach", meaning you have to do your taxes for it by yourself. You need to figure out A LOT of German language legal lingo, which you say yourself you are not quite capable of. Get Flatex or dad.at, they do your taxes for...