What is your current monthly savings amount

Charles · 2026-05-05T18:38:19.855844Z

We currently have around €1500 - 300 euros in Bitcoin - 1200 euros in various ETFs

5G

I am a normal earner 800 plus what is left over. Aiming for 10k a year, better than nothing and still 10k more than most people in Germany I think

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undraiser_2742@undraiser_2742

4G

@1aDNA a lot of justification for something that is far above average.

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9

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Kenny@strategy_sherpa_22

17H

I see it the same way fight fight fight 😁

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Luca H.@risk_minister_2815

5H

@1aDNA you don't have to justify yourself, 800 is a good savings rate - more than 90% in Germany.

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Klein-Anleger@Klein-Anleger

5G

120 euros in Bitcoin, I don't have any more regular investments ;(

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Charles@FinanzPapa

5G

@Klein-Anleger that's above average for your age! Mega strong... keep at it!

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CRDonkey@DonkeyInvestor

5G

@Klein-Anleger reicht

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Lukas98@Lukas98

5G

@Klein-Anleger Being there at your age is a much bigger lever than the current savings amount :)
I'd also like to take this opportunity to thank you for your contributions. Always very worth reading.

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Klein-Anleger@Klein-Anleger

5G

@Lukas98 Thank you! I am currently working on a very detailed project. It's about the impact of AI on software, society, jobs and our everyday lives...

To understand the impact a technology can have, you have to understand it. That's why I taught myself programming/Python during the Easter break. I used it to implement a few projects with the help of Claude and am now even toying with the idea of setting up a company in the software sector after graduation - the barriers to entry have fallen drastically thanks to AI.

Either way, you'll notice that my next analysis might take a while. What's more, I have almost nothing to gain from sharing my findings and observations here, as the operators are unfortunately not as interested in the community as they are in the latest wealth subscriptions...

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Aktienfox@Aktienfox

4G

@Klein-Anleger My BA revolves around the topic can and like to exchange on Discord

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Klein-Anleger@Klein-Anleger

4G

@Aktienfox I'd love to! Tomorrow the physics exam, then I'll write to you 🤝

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Aktienfox@Aktienfox

4G

@Klein-Anleger good luck I have already written you a message we will do the days

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Ahmado@ahmado1310

4G

@Klein-Anleger

@Aktienfox

I also wrote a bachelor's thesis on AI and software development. At the same time, I'm working on my zero-man-company (i.e. only AI agents). I am also interested in this topic. If you have any new knowledge, don't hesitate to share it here.

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Klein-Anleger@Klein-Anleger

4G

@ahmado1310 exciting 👍 would have lots of questions for you and @Aktienfox...
Even though I'm probably a few levels below you in terms of knowledge 😅

Do you have the platform Aktienfox is talking about?

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ACJ@ACJ

5G

600€ I try.
Children 90€ each (3x)

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Felix@Shareholder

5G

As a student, I'm currently co-financing my girlfriend, who is also studying, due to my higher income, so unfortunately it's only €200-300 a month🙈 (+€25 TDIV ETF for my girlfriend's custody account so that she can get started with something....)
But there is a basis and time together is of course the most profitable investment! :)

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AI sagt@GoDividend

5G

@Shareholder Be sure to delete the "only"

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investor_Hani@investor_Hani

4G

@Shareholder can also invest €250 per month in an ETF savings plan as a single parent with 3 children!

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Felix@Shareholder

4G

@investor_Hani wow. Very cool!
Are the three of them allowed to "participate"? :)

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investor_Hani@investor_Hani

4G

@Shareholder They are not yet allowed to open a custody account themselves, so everything runs through me as a sub-account and I only manage it until they are 18, then they have full access and can invest themselves! My eldest will soon be 18 then she can continue to invest herself or decide what to do with it! I've shown and explained everything to them - at first they didn't understand a thing and now they do. With my son I started with two pots (1. Wishes and 2. Saving) his fun pot is taken care of by mom because at 7 he is always out and about with me!

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Felix@Shareholder

4G

@investor_Hani wow cool! I take my hat off to you 🚀

I had the two pots of your little one back then too - only that the "save" pot was then used for big wishes for Christmas or birthdays😅😂

I would have been delighted if my mother had got me interested in the subject so early on....

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DerDanner@Therapeut

4G

Currently almost nothing, 100€ All Wolrd. I will be self-employed in 3 months and am currently investing in myself.

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edumar@emppsb

4G

@Therapeut 100€ is something, keep going

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Iudicium@Iudicium

5G

2000-3000€ per month
I am aiming for 32.000-36.000€ per year

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Charles@FinanzPapa

5G

@Iudicium Very, very strong! That's a big number 🤑 Stay tuned! My goal for this year is to invest €20,000 in fresh capital👍😎

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Korni@Korni1987

4G

@Iudicium yes, but he's probably not alive 🤣

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Lukas98@Lukas98

5G

600 Fix...usually between 800-1000.

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Michael Eiblmeier@Aktienstarter93

5G

750 euro

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Gerald@Irlandfan

5G

So about 12 Wiener schnitzels, 15 burgers with fries and Coke, 2 crates of beer.

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Jens@Helper84

5G

Fixed monthly 2600 ETF savings rate + occasional one-off payments according to budget and market situation.

According to GetQuin, we as a family have been able to invest between 58000-62000 p.a. for the last 3 years. p.a., i.e. between 4800-5000 per month.

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Nuqqx@Nuqqx

5G

I have a fixed monthly salary of €1,000 + one-off payments/special payments + €100 for my son's child deposit.
Last year I had a total of just under €22,000, this year I'm aiming for €24,000.

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Charles@FinanzPapa

5G

@Nuqqx Sounds rock solid! 👍 Looks identical for us🤑😍

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Nuqqx@Nuqqx

5G

@FinanzPapa yes I have to go full throttle...my wife wants to go to work part-time soon and then I don't know if the savings installments will still be inside... :D

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_EvD_@_EvD_

5G

I currently invest about 55% of my monthly salary.

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edumar@emppsb

5G

600 plus all of my freelance work , aiming for 10k-12k year

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CRDonkey@DonkeyInvestor

5G

Anything left over at the end of the month 👍

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Charles@FinanzPapa

5G

@DonkeyInvestor Have you ever thought about setting a fixed amount as soon as you receive your salary and investing it right at the beginning of the month?

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CRDonkey@DonkeyInvestor

5G

@FinanzPapa the concept doesn't appeal to me at all and doesn't make any sense to me, provided you can handle your finances to some extent and don't live beyond your means.

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Sebastian@Baisse-Jumper

4G

@FinanzPapa I think the concept makes a lot of sense. No matter how good or bad you are with finances, you should always "pay yourself first". This creates reliable continuity and you don't have to look at what might be left over at the end of the month. The savings effect is generally higher and more stable in the long term with a continuous installment. So I can only recommend the concept.

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Basti92@BavarianLion

5G

So this year I put almost all of my reserves of 85k into it! Now I only have 3 savings plans of €500 (i.e. €1500) per month on my 3 ETFs!

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David@Redfox77

4G

1500, 250 of which are in BTC, the rest is used to rebalance the individual strategies. At the moment, however, there is considerably more available due to rebalancing.

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Fff@Fff

4G

We have fixed 1300 in ETFs, 100 in BTC for ourselves, 150 each in 2 junior custody accounts

Plus another 1300 to pay off our home for a good 5 years, then it's paid off

Also monthly reserves for house, cars and vacation of approx. 1200€

(All financed from 2 salaries)

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Domi@Domi9191

4G

3500€ in the MSCI ACWI
500 in the World Momentum
500€ in BTC
And the rest in selected individual stocks

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23j@23j

4G

1000€ per month

600€ in 4 Etfs
400€ in a few individual shares

🧙🏼

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Cashcrow@Cashcr0w

5G

1522 weekly DCA into Bitcoin + Every first of the month 6638 into VWCE.

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ArtBond@artbond

5G

700€ for my 2 boys and approx. 40% of income in ETFs, div. shares, call money and a little BTC and Sol... very successful the last few years, but with the rapidly rising cost of living it will soon no longer be possible to maintain this level... there will also be a larger withdrawal here and there: The last shirt has no pockets ;-)

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Malzboy13@edihose

4G

400 euros and if there is anything left over. Then reinvest another 300 euros in dividends per month 😎

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BeachPlease@BeachPlease

4G

Zero, I invest larger sums specifically in crypto, index funds, individual stocks and commodities and try to keep the cash ratio at 10-30%.

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Ironicsw@IroNicsw

4G

600 Euro investment in ETFs
1400 Euro home loan
240 Euro building society savings
130 Euro daughter ETF

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Bee I.@bee_invested

4G

700€ in ETFs and individual shares
250€ private pension provision
2x 60€ children's custody account

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Pierre Chavet@Finance_ads

4G

2000€ in ETFs my base, then 600€ in Options ETF/BDC and 300€ in Reits.

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Susanne@Isus01

4G

600 + 100 for the children

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KyAre@KyAre

4G

250-350. My fiancée unfortunately has a lot of rheumatic attacks at the moment and can't go to work, so I'm taking some of the financial pressure off her at the moment.

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