Very nice contribution! I think nevertheless that one must calculate it always individually. I have already mentioned it in other articles, but here again as a brief supplement: everyone must see for themselves what their goal is. Dividends do not make sense for bringing forward the pension by 3 years or closing the pension gap. If one is increasingly concerned with FIRE (financial independence retire early), one naturally has completely different goals. Sure, few people make it like Mr. Money Moustache to be financially free at 31. 40 is still a very ambitious goal, but for many it is within reach (assuming a good salary and sensible handling of money, see e.g. Florian Wagner "Retirement at 40" - also as a podcast on Spotify). I believe that the proportion of fairly well-off 35-year-olds is not that low. If you take a look at the "abundance" videos from Finanzfluss, you would think that 150k€ at 30 is absolute mediocrity (which of course is a distorted picture!). If to a good salary still an inheritance comes (or parents, who invested a depot already early for the child), completely different options are open to one naturally. Here in Germany, the topic has not yet taken off, probably also because it is more difficult than in the USA to get really good wages. But it is still possible. Whether one wants it at all (i.e. the possibility to see one's job only as an income component by limiting oneself somewhat for 10-15 years), is of course something everyone has to evaluate for themselves.
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•@KevinC and, to classify the whole thing again: with 500€ / month investment it definitely does not make sense yet to focus on dividends, since the investment horizon in all probability has to be > 25 years until you really get larger sums distributed.
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