1 How do you calculate PKV (private health insurance) in your FIRE plans? Do you consider the employer PKV support to be income? Do you intend to have only the basic PKV-plan when you retire?
2 What is the upper level for side gigs income like selling stuff on ebay before you need to incorporate (Kleingewerbe)?
3 What MMM lifehacks don't work in Europe? (I know CC churning doesn't work).
4 Riester, Rürup & other tax priveleged saving plans assume you don't access your money before you are 67. As we mustachians intend to retire much earlier, do they make any sense to us?
5 With real estate being significantly more expensive in Europe (and cash being the king) do you think a house is a good investment for early retirement? (G. Kommer, the German ETF guru / evangelist, wrote a book that it isn't)
More questions will follow ;)
2. Unfortunately its not so easy.
There is "gewerbsmäßiger Verkauf", which can be quite early, even at less then 30 articles per month. That doesnt mean you need to incorporate, but you still have to respect some laws that a private person doesn't has.
There is definitely a border at 17.500€, up top this point you can use "Kleinunternehmerregeleung" but from that on you have to pay Umsatzsteuer. Next borfer is 24.500€ - Gewerbesteuer
Really, if you want to earn money the e-Bay way you have to talk to a professional who knows about small firms. Try to find someone in the Arbeitsamt that helps Existenzgründer
4) forget them. For a mustachian they dont make sense. I think I have written that in more detail 2 pages ago. Basically you pay a lot of money for somthing you can do better ;) You must have a real good income to make them profuitable, and even then theres the age problem (even if that is not a stron wall at 67, but earliest is 60 if I remember it correctly)
5) No, I wouldnt consider houses an investment. If you definitely know were to settle down, you can buy/build one, but until then in most parts of germany the rents are so low (eps. compared to US) it does not make sense to buy. Take a nice flat in a nice area in a cheap town and you save a ton of money and you are still mobile ;)
Also I guess houses are going to be a buyers market in the future because of the shrinking population.
3) good question. getting your own wood to save costs. Of course you can do it (buy it at the "wood"), but its not cheap.
changing air con temperature, because there are no ACs
craigslist - most germans have never heard of that
coupons - nearly as unknown as craigslist, also eating is quite cheap so you wont get big discounts except on somthing like a weekly special that is used to get customers into the market to buy all the other stuff