Today something completely different on the subject of finances. I've always seen posts like "How high is your savings rate?". But on this point I look at it a little differently, namely how high is your savings rate compared to your consumption rate. I still refuse to slip into frugalism with all this investing. That's why it's important to me to use the time in my life for whatever I'm passionate about. If I had to compare my life, I would always see myself a bit like Tim Schäfer 😂Saving yes, traveling a lot yes, but "senseless" consumption no. In addition to my savings rate of €1000, I still manage to take 4 big vacations this year. But of course this also plays a role: Single, no children, no car. You should also bear that in mind, of course. So my savings rate / consumption rate is roughly 60/40.

But now to you. How does this comparison look for you? Do you already have frugalist tendencies or do you prefer to live more, have a family and save less?

p.s. I only pay €5 for the Germany ticket, so transportation is not listed separately.