Feedback / precaution / investment

Hello everyone. I would be happy to receive feedback, suggestions for improvement or alternatives *Key data:* - 40 years old. - Current maximum savings rate: €320 - There are already enough nest eggs - Dual nationality (German + US, i.e. ETF depot per se not possible in my name) - No property and currently not planned as it is still financially unrealistic *Current monthly strategy:* - €200 FTSE All World in my wife's depot (German), with a plan for it to be donated to me. - 70