Even if you’ld wait until rain stops and even if you don’t go off road: there’s puddles on bike paths after it has rained!

German homes are relatively okay insulated. Very remote: burn wood or some sort of wood pellet stuff. Not clean, but it is local and renewable. Less remote: heat pumps, runs on electricity. Cities: many are planning/extending heat nets, those can be partially powered by left over heat from industry. And import nuclear electricity from France in winter I guess!

I agree but not on the debt free part. Mortgage loan at 1,45%, savings rate at 2,4 %: I’ll not try to get out of that debt sooner than planned, thank you very much :')