Construction financing: Do the numbers fit?

If one assumes that the child – like 99% of all children – is completely normal, full-time work by both parents works wonderfully.

It certainly can work, but I wouldn’t know why someone would want to have children and then spend the whole day at work. Neither the children nor yourself benefit from that.

Best regards
Sabine

It will definitely work, but I wouldn’t know why someone would want to have children and then spend the whole day at work. Neither the children nor oneself benefits from that.

Best regards
Sabine

You can freely decide that for yourself.

The young mothers I know (including my wife) want to return to work sooner (3-6 months) or later (2-3 years) because they feel cooped up. Taking care of toddlers can be very monotonous and shrinks the brain a bit, as my wife says. As an adult, you also have to be able to follow your own inclinations.
But of course there are also full-blooded mothers who would rather never go back to work and see child care as their sole life mission. Our previous childminder was one of those; her own girls are over 20 and still have their laundry done by mom, they don’t go to the authorities alone, and even the older one’s wedding is now being organized by mom. I imagine successful upbringing to be something different (however, she was perfect for toddler care).

There is not only the option to either work the whole day and put the child somewhere or never work again and take care of the child for the rest of your life.

Best regards
Sabine

That's certainly true.

"irgendwohin". Well, you admit it to professionals and lots of other children with whom they can play and learn together. Our children are not cared for full-time, but when you pick them up from daycare, they say goodbye and look forward to the next day. The evening then belongs to them. I can't see anything wrong with that.

however, I wouldn't know why someone would want to have children and then spend the whole day at work. Neither the children nor oneself benefits from it

Such a stupid thing. Just ask the millions of fathers who work why they had children. Or a Norwegian woman. Or a French woman. The saying is even very selfish. My children are not here to satisfy my needs. They are allowed to develop without living with the obligation to provide me as a mother with a justification for existence. The children get nothing out of their life if the mother and father are at work? That is pathetic.

Currently, Germany lacks 500,000 educators for the planned full-time care of children. Depending on the region, one can plan to return to full-time work, but it simply doesn't work out.

So simply leaving the children out of the equation isn't an option either. I would calculate with about a halving of one salary for around three years. This often works out well. After that, about 400 euros for care for another three years.

PS: Children are supposed to cost money even later!