SkippingRelax

Fair enough, my point was more that people that just assume that mortgage payment is X and is less than rent therefore I'm am being robbed aren't looking at the whole picture, or aren't being honest.

Fellow home-owner, not a landlord. Not in the US but I think things are comparable.

Your mortgage repayments are less than what you were paying in rent, okay. However, do you feel that is a reasonable comparison?

Do you pay some sort of insurance? Property and or council taxes, rubbish removal, water and other things that you probably didn't even know existed before becoming a home owner?

Do you know that your roof has and average life span of 30 years? Unless yours is new, you'll need to start thinking about it at some point, and it can be pricey, together with all the rest of planned and unplanned maintenance that comes with owning a place.

Not really defending everything the person you are replying to said, but I think this topic too often gets simplified to monthly rent vs monthly mortgage repayments.

This part made me think you were saying that was an investment, sorry I misunderstood

So my bank is giving me money each month for doing nothing really

How long is a piece of string?

Depends on how much you earn, what are your expenses, and how much you have saved already.

You are barely keeping up with inflation, don't think that's an investment. That said, you are doing the right thing, keep that money available if needed.

Everything on top of 6 months expenses, you should invest in something less liquid that on the long term yields decent returns.

You seem to be in a very unique situation. And to have a pretty good understanding of personal finance and of your risk appetite. What you say works for you and a few people that happen to have access to universal healthcare, what looks like four separate insurance policies, and that can manage not to fuck it up with credit cards.

6 months liquid emergency fund remains the best strategy for most people out there.

Would certainly suck if those six months worth of emergency fund had temporarily gone down to four months because of a downturn in the stock market though.

Accidentally there might also be some correlation with stock markets going down, and an emergency happening. Eg large company laying staff off.

That said you can do the math and see how much that money would return on average on etfs compared to a bank account, and decide if that's worth the risk to you.

Experts say no, I agree with them but I see your point, and it's definitely worth to challenge these suggestions.

Celsius.

And the other one is spelled wrong too I believe, though that one doesn't really matter.

And isn't the border between Russia and Finland something like 1300km long? Good luck covering all that even if the majority of the Russian army weren't needed in Ukraine or, you know, dead.

Pints of Guinness? /s

Edit one of those three might not be that far away

I mean I'm not sure what you can do other than name and shame the restaurant, and/or boycott it

I'm against tipping culture so um not endorsing this but.. you could give her a 5 dollars/ euros/ sheckles note and thank her for what she did to deserve that?