@Madhatter5566 Thank you, interesting explanation. What would be the alternative if the welfare state didn't help? Anyone can very quickly find themselves in need through no fault of their own.
@Madhatter5566 I think the whole thing is really a big issue for everyone. And in the discussion I realize that it's not easy to find the right solution.
I only partially agree. So if you have 300k or more later on anyway, then you should use up your savings before the state steps in. But some people may only have been able to save 30k. Sounds very little, but if you don't have a high income, you can't save more. That's why it's unfair that these people then have to spend their hard-saved money. So it doesn't make sense to save for 30 years if you have a low five-figure income. It's better to spend it directly or have so much that you don't need the state anyway.
