ATM I invest 150€ a month in Vanguard FTSE All-World and 200-300€ (not a fixed amount, sometimes more, sometimes less) on Tagesgeldkonto (instant access savings account). The ETF is for when I retire in a few decades, so I won't use any of the money there. The Tagesgeldkonto is for stuff in the more immediate future (like vacations, expensive things like PC or something like that).