Can we afford this? Income / Investment / Equity

Just want to give you a little nudge again ... what do you think the prices are when a construction company is at full capacity 120%? and what do you think the prices are when the boom slows down? THE construction companies have expanded capacities that now have to be covered by the small order volume ... and that’s exactly when it’s construction time!!!? Everyone who is smart seems to be able to build whenever they want ... the smart ones build when no one else is building

Just want to give you a little nudge again ... what do you think the prices are when a construction company is operating at full capacity of 120%? And what do you think the prices are when the boom slows down? THE construction companies have expanded capacities which now have to be covered by the small volume of orders ... and that’s exactly when it’s construction time!!!? Every smart person seems to be able to build whenever they want ... the smart ones build when no one is building

The smart ones consider more than one factor when building, just to make a little leap, e.g.: interest rates, income situation, equity (and interest again – what if negative interest rates for large assets arrive here?), comfort and lifetime (what use is a house with a garden if the children are already grown up, especially the prepubescent children really use it!) to name just a few from the large mass... if it’s purely about money, by the way, there’s no need to build at all.

Since the Finz. receives over 80% rating in the criteria list, it must also be weighted the strongest ...80/20 everything in the world always works with 80/20 ...Do you get paid here for your text so you can afford the single-family house? no I don't want to know ...I'm logging off here for good goodbye

And what would remain for the contribution if a child comes and the 45% disappears?

Why should the 45% disappear? A few months before the birth, there is full salary during the employment ban, then maternity pay, after that there is parental allowance, and even after that there are incredible tax benefits for the spouse. It is never the case that the entire other salary really disappears. The tax benefits alone are 300-500 EUR net plus child benefit on top.

And that is really a very temporary, short-term situation. So then for example from the 15th month to the 18th month (4 months), if you stay at home for 1 1/2 years instead of the usual one year.

We have just been through this "dry spell," i.e. me being the sole earner for a few months, and I have to say, you barely notice it. And our daughter only went to the childminder at 1 1/2 years, so rather later than others. You hardly notice it financially. Parental leave is also hardly noticeable, thanks to parental allowance. This is not about the complete loss of a salary, but about a few hundred less or more. Just the fact that because of our daughter we couldn’t spend 3,000-4,000 EUR on the annual vacation (because city trips across half of Europe are not for small children; we stayed in a down-to-earth holiday home in Germany with a 2-hour drive by car) more than compensated for the situation.

One should consider something like this in the planning, but please don’t fall into panic fear now because for a few months a small part of the total joint income disappears.

. And our daughter only went to the daycare mother at 1 1/2 years old and thus rather later than others. You hardly notice it financially.

This is quite a matter of attitude. I would say: rather earlier than others! My children stay at home for 3 years. Much earlier, developmentally speaking, meaningful social interaction with peers is not possible. I know that this is not always possible. But I just don’t have children so that others take over in the most important stages and also in the most beautiful ones.

Since we had numerous activities with other new parents (from Facebook groups; local mommy meet-ups at the mommy café; sports courses before and after pregnancy, where you also meet privately, talk, etc.), I can tell you that here, in the absolutely most child-friendly neighborhood in the city, the norm is that children are placed in daycare or with a daycare mother by about one year old at the latest. Our 1 1/2 years was definitely the absolute exception. And my wife is also glad because being there for the little one every second from early to late is exhausting.

With the daycare mother, she plays in the sandbox with other children in the mornings. Even if no cliques form or anything like that, she already interacts with other children. They exchange toys, fill molds together in the sandbox, or chase each other a bit. I have also read that "real" social interaction comes later, but at 1 1/2 years old, it is not the case that every child plays alone, definitely not.

There was once a book about children and upbringing among indigenous people, and there it was described that children were definitely not with their mother all day. They were often carried, yes. But also by other female caregivers like the grandmother, the older sister, or other women from the village/tribe.

If someone wants to stay at home until 3 years old, they are welcome to do so. But it is by no means the norm. The norm is daycare/daycare mother at about one year old. That does not mean you do not see your children during the week. Our daughter will then be picked up 2-3 times a week directly after her nap and 2-3 times a week around 4:00 or 4:30 p.m. She definitely does not go to bed before 8:00 p.m.; that would lead to relentless rebellion and definitely no sleep. So we have at least 4 hours per day with her after work or longer and, of course, the entire weekend. I do not think that is little or too little.