Build now or wait until more equity is available?

Hello,

please do not underestimate the burden of having a child and the double burden of loan repayments and rent. I can definitely relate to that right now. Sure, a child is not necessarily expensive at the beginning (unless they only tolerate the super expensive powdered milk from Apta**** at €14 / 3 days). But as soon as your wife goes back to work, the question arises whether you will get a childcare place. If things go badly, you might have to wait several months for it and your wife cannot go to work. Parental allowance will also be used up by then. In addition, daycare can be very expensive. We are currently paying €650 per month. Calculate very carefully whether you can still manage a double burden in the worst case.

Only you know if your relationship can withstand it. Honestly, I wouldn’t let anyone else interfere with that.

We currently pay 650€ per month.

that's almost as cheap as with us. 684 EUR...BUT that includes *drumroll* breakfast, lunch, snack..

It's almost as cheap as with us. 684 EUR...BUT that includes *drumroll* breakfast, lunch, snack..

Yeah, same here with us. You have to say: U2 child, 45h/week and day mother level. That means 9 children all under 3 years with great care and reliability. Calculated from the salary, it makes that much of a difference.
Still, I swallowed hard back then and now you can definitely feel it with the double burden. But from January it will be less, because the little one will finally turn 2 then.

yeah, screw me 700€ a month for a daycare?????? Dude!!

yeah, screw that... 700€ a month for a daycare?????? Dude!!

U2 and 45 hours. It doesn’t get any more expensive than that. The rest depends on the income.

Our fee table ends at 950€. U2 45 hours, income over 125,000€. But even with up to 80,000€ income, which is quite realistic for two full earners, you’re already at 580€. For comparison: same care duration, but Ü2 only costs 340€.

That’s really intense. Typically misguided welfare state. The care costs are so absurdly high for high earners that one of the partners simply stays at home (= loss of workforce, investment in education lost, contributors to social insurance lost, and instead recipients from social insurance (family insurance etc.)) or the high earners just opt out of the system and go into private care.

It always depends on where you live... we paid 270€/month from 12 months until the 3rd birthday.