If you have a partner and children, you should have saved 12000 euros

Saving: I can say a lot about that. I think I'm more of the yolo type (do we still say yolo? No, right?). I find saving boring. I enjoy spending money.

Sorry, but you become veeeeeery much happier from a new Isabel Marant sweater than from that 300 euros in your savings account? I certainly do. I spend by far the most of my money on clothes and then on dinners, makeup, jewelry or nice things for the house. Like a Quooker. A nice bar stool. A set of white chairs with fur throws. And let's not forget my children: I shop a lot for my sons too. They have to wear the coolest, nicest, most stylish sweater. But yes, it does cost something.

You can now calculate via Nibud as a tip how much you should have saved based on your own situation. You fill in what your joint income is; if you have a partner, that is. You fill in whether you have children to care for who still live at home. You fill in whether you have a rental or owned house. What turns out? If you have a house, a partner, and two children, you should have at least 12000 euros in your savings account as a buffer. And note: this is the minimum, more is always allowed.

A few more examples: if you live alone, without children in a rental house and earn around 4k per month, you need a buffer of 4750 euros. If you have one child, a partner, and a rental house and you earn about 7000 euros together per month? Then you definitely need a savings buffer of at least 7600 euros.

Well, let's just leave that new season of Isabel Marant for now. I'm going to do something very boring for a month or so. I'm already bored.