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So, here's my monthly Sankey diagram. 2000 is net, always fluctuates a bit due to separation pay, but 2k is the average. That's why I don't pay taxes according to this thing. 300/900€ in ETFs are a nest egg ($XEON (+0,01 %) ). I pay so little for housing because I own the apartment. Do you see anything that bothers you incredibly? I'm open to any criticism/suggestions.