It's perfectly justified to get that off your chest once in a while.
However, you don’t gain anything if someone just sugarcoats a project for you. Since no one here knows you or how you handle money, it’s actually not surprising that people are initially skeptical of you. Personally, I was very relieved by the harsh manner even of my house seller, who has absolutely no interest in talking me out of the plan. But it was precisely these hints: 20,000 is pocket money, that made us pause and think during the initial euphoria.
It’s about a lot of money, and I would argue that we can handle it well, but we were completely unaware of what else awaits us. As I’ve written before, we estimated 200,000. And now it’s almost 400,000. So 20,000 really no longer matters.
I also see this forum more as a “what haven’t I thought about” – worst case finder.
What’s the point of making yourself a nice plan, only to have to add 50,000 or more at the end because you haven’t thought of many things?
A good example is parental leave. With the first child, that’s great because there’s 65% of the mother’s net income. But what if the second child comes along without the mother having had a full net income for 12 months? Then the parental allowance is around 300 € per month. And if you calculate with that, many a dream bursts.
That was just one example. I’m sure no one wants to talk you out of the house, but no one wants to take on responsibility either if you sign – after all, everyone said that it would definitely work.
The alternative is that you won’t get any more feedback here in the forum on financing questions.
Personally, I will continue to respond to these kinds of threads and always be the critical “observer.” At least I have learned many perspectives through these and similar hints.