If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?
Buddy, you seem to have a problem around investments because again that’s not how this works. You shouldn’t be investing in individual stocks unless you like gambling or have insider information (which is supposed illegal but the US is really showing that it’s not as of late). You should be invested in broad index funds, like ETFs, which track the entire market (to simplify they own a fraction of every company on the market). The market, over the long run, always goes up so you always win (although again, with the US in very interested in understanding what happens when a country collapsed, from what I read about Germany it was actually surprisingly fine if I’m not mistaken).
You seem to be looking at investing as a way to get rich quickly, a gamble that may pay off. But good investing is slow, consistent growth that guarantees a safe retirement (but also unfortunately does not give us an escape from this capitalist hell hole of permanent work).
Every investment is a gamble is you read terms of service, it’s hidden behind this fancy word called speculation. Bank guarantee nothing to return. You recommended some financial products that you have no idea how they work. ETFs are just money machines for bankers to get double commission from selling stocks of companies you can’t afford to hedge with real stocks and get your dividend and votes. Sometimes even to fuck you up if that’s their business strategy. You buy index so you buy nothing of value, moreover you give a knife to banker so he can stab you whenever he wants. That’s even more stupid than buying company stocks. Read more kid, I know exactly how this shit works.