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About mtbiking

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  • Location Munich
  • Nationality Portugal
  • Gender Male
  • Year of birth 1979

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  1. 3G in Restaurants?

      No, it's not. If you're vaccinated and didn't test positive you don't need to isolate. A neighbour of mine had a wife and child with Covid and he went on with his normal life: he never did a test (and never felt sick, I hope).
  2. 3G in Restaurants?

      They are all 100% inflexible in this regard: Work and Gesundheitsamt. I was also "forced" to be tested and send multiple documents everywhere. It's never personal, just german bureaucracy at work. 
  3. 3G in Restaurants?

      Yep, we were imposed an isolation of 14 days as well despite vaccinated, as we had symptoms. Though mine were so light (headache) that I could have lied and likely have got out after 7 days if I had wanted to (was feeling fine after 3-4 days, and selftested negative at home). This all happens  (correspondence from Gesundheitsamt, forced isolation, etc) after a positive PCR test.
  4. 7+10 here with a German wife, working great, though the update from German girlfriend 3.0 to German wife 1.0 came with some kinks that needed to be ironed out. Pro tip: in case of major problems try to input the command ‘du hast Recht, Schatz, tut mir Leid’, it often works. Also, in the very rare instances a German wife starts crying then there’s something seriously wrong with the system - flowers and a romantic evening are absolutely necessary in that case. 
  5. We will finally buy a TV

    My Samsung is from 2008 and still going strong, it’s used by the children and to watch the occasional news. For movie night we have a home cinema setup, which all together cost me the same as a high spec TV (plus several hours of home improvement to get everything nicely in place) and provides a 102 inch display and IMO a better cinematic experience. That said, if I were to upgrade I’d buy a 4K 65 inch LG. Can’t go wrong with it.
  6. 3G in Restaurants?

    I looked for it explicitly (I‘m in the category) and 2x vaccinated + recently recovered counts for all effects as having got the booster for the first 6 months after the positive PCR test. It’s also not recommended to have the booster less than 3 months after recovery.
  7. It turned out to be a good end of the year for a good year overall.
  8. I save 60% of my income and will retire at 35

    Fully agree! I should  have mentioned that explicitly.  I’ll add that once someone reaches the first step, financial stability, barring a disaster he or she will be fine and (usually slowly) on their way to step 2. Of course, at that stage a disaster can simply be the employer going bankrupt.
  9. I save 60% of my income and will retire at 35

    The steps are the following: 1) financial stability: no debt besides the mortgage, some monthly savings, emergency fund. 2) FU money: enough security to quit your job anytime you want or your boss is an a-hole and take your time looking for a new position without fearing bankruptcy. 3) financial independence: passive income > basic living expenses. 4) Career change / Continue working and building wealth / donate / work less / retire early, though for most this means 55+ anyway. Not doing anything productive for the next 30+ years is not something normal people should look forward to.        
  10. I save 60% of my income and will retire at 35

    I’d say 10% (the media keeps talking about the top 10% households) but no argument there. People with average incomes and little inheritance aren’t going to be able to save enough to retire significantly early unless they never have children and basically live like students their whole life. They can, however, try to save around 10% and avoid unnecessary wealth killers (expensive cars, financed furniture or vacations, gym memberships, Sparkonto, etc). Unfortunately our market economy is geared towards non-stop consuming, so it’s really not unexpected when people do just that.   
  11. I save 60% of my income and will retire at 35

    If two people with good incomes in Germany (engineers, doctors, lawyers, etc) marry the savings can be 50%. There are plenty of people living with one good salary and a stay at home spouse, after all. The biggest problem is to keep lifestyle creep at bay. The two spouses really need to be in tune for that. Personally, it may take years for my wife and I to purchase of renovate just about anything because we think it’s too expensive/not needed/the old one is ugly but still works/we want it but do we really need it?/do we really want it? and basically reinforce and cancel each other 😬  That and the pay yourself first technique. I hate budgeting. For me it’s much easier to restrict the amount of available money in the first place. In contrast, we have friends with comparable incomes who renovate the looks of their apartment once a year, go on very expensive vacations and have changed cars twice this year already (and now want a Tesla model Y). And it’s perfectly fine, they’re not hurting for money, but they do have an expensive lifestyle.
  12. I save 60% of my income and will retire at 35

    We got really lucky with real estate, but we’ve also been saving and investing the equivalent to one of our salaries since 2008. Made easier in recent years do to the increase of our passive income, which is making me a bit complacent. We could *retire* from our jobs in Portugal now, or a low cost part of Germany, and with some paid activity on the side have a good living. Barring the usual possible disasters - including divorce-, with fifty (so in around 8-10 years) we can retire in luxury even with a modest extrapolation, but we’ll see- My job is fun, I just really wouldn’t  want to depend on it staying that way. Ditto for my wife.
  13. I save 60% of my income and will retire at 35

    the typical millionaire next door - meaning a household with at least one million in net financial assets (the paid for family house doesn’t count) and thus more or less financially independent- is usually not divorced because divorce is a major hindrance in having the necessary wealth to reach that status. source: “the millionaire next door, by Thomas J. Stanley”.  Obviously, many millionaire and billionaires are (multiple) times divorced.   I’m using the word academic for someone who has an university degree and used it to get a job. Not that hard to get from context.
  14. I save 60% of my income and will retire at 35

    the typical millionaire next door doesn’t get divorced and gets too much meaning from his or her business to think about retirement. He also drives a Toyota.. The FIRE movement is mostly for academics working in (for them) soul sucking corporate jobs and who don’t manage a better way to avoid the rat race.    Anyway, the principle behind it is ageless and works regardless of income: pay yourself first, avoid bad debt and don’t buy stupid stuff just to keep up with the joneses. The article posted is just typical millennial click bait, noise around a perfectly reasonable message.
  15. I save 60% of my income and will retire at 35

    Google FIRE and Mrmoneymustache and be even more offended 😛    Many followers of the movement are well paid academic TINKs or with at most one child living very below their means (and very spartanly) and with no debt, and investing the rest. It’s doable under those conditions  specially in the USA where good earners earn relatively speaking more and pay less taxes, and where sensible tax protected investment plans exist. Less doable in Germany.   The goal for most is also not to retire in the common sense of the word, but rather be FI - financial independent - leave the rat race and engage in whatever activity they find meaningful.   personally, I find it awful that so many people, including good earners, feel the need to spend all their income in lifestyle and thus remain relatively poor, and how so many even go into debt for fancy cars, phones, vacations, etc. I find that a cultural counterbalance to that (capitalistic consumerism) to be ok.