Sometimes age is an advantage, (but usually not)

I am grateful that we sensed that the previous negative repo rate was wrongly timed and unrealistic and therefore unsustainable in the long run. We made an active choice to save the difference between the actual and what we consider to be a realistic interest rate. We lived as if there were more normal interest rates on the market and instead managed to build up a proper savings capital.

Now that we actually live in a normal interest rate reality, our mortgage rates have doubled, we can't save money the same way. Our savings will stop completely in March next year. Until I realized that the world's most perfect husband receives a pension these days, which he saves in his endowment insurance. Even if it is his money, in the future it will contribute to our common living. Going forward, "we" will be able to save $700 instead of $1,200 per month.