Financial Discussion 26m

Hi, I’m 26m living in Germany. - own my apartment without mortgage / credit / loan, bought with cash. (Was able to get by years of saving, high interest rate savings account + 7 years of compound from monthly investment into S&P500 growth and frugal living) - No debt, no car, no loans, completely financial free, a solid 1k euro bike gets me from A to B without a worry. I’m currently rebuilding my finances after the renovations. - 15k euro invested into VUAG - 5k euro invested into INDA (but I’m