Construction costs are currently skyrocketing

I therefore do NOT believe that you come off much better as a homeowner IF compared on the basis of consistent saving and investing. YES an investment in well-being. But often financially calculated optimistically.

What exactly is the goal of this thought - in my case, I am Swabian: "save save build a little house." And what is the plan as a renter? "save save" - but for what? To be a rich retiree? Does this rich retiree ever say to me "look here I have 400k€ and you don't. I can afford the nursing home!"? During the time of "save save" I couldn’t even invite a sibling + family = 4 people because there was no space with us (3 people). The thought "oh I save so much compared to a homeowner" did not comfort me! Again the final question, what exactly does a renter save for? (He is not allowed to buy a Porsche either, since he is supposed to save consistently).

best regards

One thing is saving, the other is getting the maximum out of your money.
In the end, it all gets spent anyway.
Whether now or in old age

One more time the final question, what exactly is a tenant saving for?

You don't take anything with you on the last journey.
I also prefer to enjoy our little house for as many years as possible. True happiness exists only in the here and now.
I always have to think of my poor uncle, who died alone with all his saved money, and in the end left an inheritance to a nephew he might have seen once every five years. :/

Hehe, some people here have ideas. The tenant pays the full cost bill for the apartment, including maintenance, provisions AND profit for the landlord.

You take nothing with you on your last journey.

Who knows, maybe our entire life is just a simulation and a placement test for real life. The "heritable" wealth is given to you as starting capital for your real professional life or serves as a score for the first job level. Those who start out with 0 EUR clean toilets, those who start out with +1 million become executives, and those who start out with -10 million (minus ten million) become railway chiefs.

You don't have to be the richest dead person in the cemetery, but a certain level of wealth also allows for a nice retirement. After all, you no longer sit at work 5 days a week but can do something during that time... assuming sufficient liquidity for your own wishes.