100% financing - I understand that!

My little one is just 8 months old.. now to daycare? Creepy, it really shakes me. Read up on the topic of cortisol levels and childcare. Alternatively, also check out the baby series on Netflix. Our older one is 2.5 and will only start daycare after the summer holidays.

Topic financing... yes, I sometimes find the tone here quite presumptuous and generalizing. But well, most of the respondents are also quite right.

My younger one also started daycare at 8 months, if you want to call it that, because she was there 4 days a week for 2.5 hours so that I could attend a lecture. That was her "crawl group" and her older sister was also there, so she already knew the daycare and she also saw the educators there every day beforehand. Everything was fine like that. She was "properly" settled in – with lunch and a nap – at 14 months, when I fully resumed university. Before that, it was only 1 module during the semester break, just to be able to take at least one exam.

My little one is just 8 months old.. now going to daycare? Scary, it really shakes me up. Read up on the topic of cortisone levels and child care. Alternatively, check out the Baby series on Netflix. Our older one is 2.5 and only starts daycare after the summer holidays.

Topic financing... yes, I sometimes also find the tone here quite presumptuous and generalizing. But well, most of the respondents are also usually right.

Took the little one to kindergarten at 2Y11M. Under 3 years costs = 240 EUR. From 3Y = 180 EUR.

100% financing: One has a 500,000 EUR loan. The other 200,000 EUR loan. If you can no longer pay the installment, it’s quite quickly over for both. Therefore = The financing must fit the (secured) income.

Topic car: I also drive a Skoda. If it gets tight with financing, I switch to a Dacia.

It doesn't have to be 8 months. Our daughter was 1 year old, in our opinion the best thing that could happen to her. Although it probably also depends on the child. Ours was very lively and afraid of nothing. The added value and the social contacts you simply cannot provide at home during the first 3 years. They learn rules, songs, routines that even help at home. We will do the same with our 2nd daughter.
Under 3, care costs 460 euros per month for us in Bw.

It's ok. Many parents go 100% because they have to, you because you want to. If work and care allow it, why not. Later don't be surprised if the children don't distance themselves

What surprises me most about this topic is that many always think they know the reasons behind it. I deliberately left it open whether we wanted to, had to, thought it was right, or whatever. It was written beforehand that there are so many different life models. It's not just a and b.

It doesn't have to be 8 months. Our daughter was 1 year old, in our opinion the best thing that could have happened to her. Although it probably also depends on the child. Ours was very lively and afraid of nothing. The added value and social contacts you simply cannot provide at home in the first 3 years. They learn rules, songs, routines that even help at home. We will do the same again with our second daughter.
Under 3 years old, childcare costs 460 euros per month in Baden-Württemberg in our case.

I know a lot of educators in my personal environment, NONE would put their child under 3 years in external care...

Personally, I don't see it so strictly, because I find it important that the little ones can communicate and interact socially, because then external care, as you described, brings added value, but that is neither given at 8 months nor at 1 year.

What I always wonder when these discussions come up, like "I didn't study for nothing," blah blah blah...
People, think about how long you have to work until retirement, in the best case our generation can retire at 67, or rather later...
Childcare in the first years, let's say with 2 children, takes 5-7 years of your time, depending on the age gap also less.
What do those few years matter in the big picture? Except that career steps take somewhat longer to happen?
But the time with your little kids you will never get back!!!