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@nomz84 3600 after taxes. 4700 before. I don't have a car. rent a cheap apartment. Don't eat takeaway. Spend like 1200-1500 a month on basics (rent + utilities + healthy food). 300-1000 some bad months goes to discretionary spending. Rest to savings.

@amethyst86purple I don't know the ISINs. XDWD, SXR1, EXXT.

@amethyst86purple Same age, 50k savings, lower salary (3600 in addition to startup options), saving like 1600-2000 a month, living in eastern EU. Have some expensive hobbies like cycling. 110 eur rent is crazy for germany. I pay like 550 a month in a smaller city. I would say mortgage doesn't...