Construction financing, failure, and setbacks

Whether there will be a tax payment due and how much it will be unfortunately cannot be said in general. You have to go to the tax advisor or work yourself with the actual numbers and the fictional 10-12/21. Possibly the separate assessment will be more favorable for you.

I have had quite good experiences with the [Lohnsteuerhilfe], it is definitely cheaper than a tax advisor

I have to honestly admit, I currently have zero patience to deal with something like this in depth. We do not have a tax advisor. I have to see.

The money is not lost. In the end, you file a tax return and pay. No matter what the tax classes were before. If you have no other income, then [Lohnsteuerhilfeverein].

Yes, you are right there too. In the end, only the settlement at the end of the year counts anyway. Let's see if we take any measures or just try it as it is.

The money is not broken

...it's just unclear who has it when. Sometimes I wonder if the flow of money works according to the laws of gravity... oops, off topic. sorry.