Construction costs are currently skyrocketing

Yes, still. Wait a few more months. Heating oil has doubled for me, and by December at the latest I have to fill up. There is still cheap oil available. Electricity prices doubled. 100 euros so far. Without switching to basic supply, I would now be at 160 euros. And since the other costs will continue to rise exorbitantly, I don’t worry about that.

Yes, could be, although gas was just increased here (from €82 to €108), electricity was also recently confirmed (stayed the same), and water/sewage was just adjusted/confirmed as well. It’s possible that gas will be adjusted again next year. But so far it’s nothing to break a sweat over. Additional costs of €50-100 won’t kill me. I just made almost €3,000 realized profit at the stock market alone within 3 weeks plus regular wage increases. It’s annoying that the increases/profits go toward inflation, but I’m not getting worse off that way either.

2022 I wouldn't want to build anymore!

That would have been a real shame for your beautiful house. But now it is firmly and securely built and delights not only the inhabitants but also the strollers with its beauty. ;-)

That would have been a real shame for your beautiful house. But now it is set and secure, and delights not only the residents but also the strollers with its beauty. ;-)

Yes, that's true. Currently, one could sell with a solid profit (if there were no HOA) and invest the entire money minus the remaining debt well in the stock market and rent something decent from the dividend yield... but my wife would kill me

So I obviously wouldn’t have paid 50K. But it was only 2800 euros from the bankruptcy estate.

And even then, the 1500€ for the laptop are still included. :D

Yes, that's true. At the moment, you could sell with a hefty profit (if there were no homeowners' association) and invest all the money minus the remaining debt well in the stock market and rent something decent from the dividend yield... but my wife would kill me

Off topic: Dead, you wouldn't get much from the yield anyway, so in this case it's wise to listen to your wife. ;-) (And I'm not saying this just because I'm a woman myself. :) )

Off topic: You wouldn’t get much more from the return anyway if you were dead, so in this case it’s smart to listen to your wife. ;-) (And I’m not saying this because I’m a woman myself. :) )

If I were dead, it wouldn’t matter to me anyway, especially since the risk life insurance would come into effect… my wife and child would be even more carefree: profit + equity used from selling the house plus the life insurance… invested about €3,000 net dividend yield per month. That’s enough to rent in style plus pocket money on top and the chance for price increases. Owner-occupied property has always been a hobby, and without a family I would always rent and invest the equity in the stock market and live off the return or pay rent.