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I can't realistically manage the 3 million (for a monthly withdrawal of €5,000) in ~ 20 years by being employed. So what the heck, as much as I can 🤓✅
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@Papiertiger Is €5k your pension gap?
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@KevinE for 2 (better half only part-time) roughly estimated with inflation 4-5k. You still have to roughly deduct 15-20% (full contribution AG/AN) for health insurance, if I'm not mistaken 🤯
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@Papiertiger How many years would you have to pay KV yourself? Depending on the case, this is usually covered again when you retire.
At https://frugalisten.de/krankenversichert-als-privatier/

there are some clues. Sorry that I can't be more specific, but of course I don't know your individual situation.