Construction financing semi-detached house 130m2 healthy?

these are all TARGET values, a controller likes to calculate with plans^^ Ever thought about general money depreciation? Ever thought that the older the children, the higher the costs?

That's how controllers are^^

Yes, of course. That's why I only calculated the increase through experience levels that are fixed for both of us and not the contractual salary increases, which roughly correspond to inflation. Those will be added later. Also, a promotion is to be expected for my wife. But that would be speculation and is therefore not included. I only calculate income that is actually fixed as of today. Or am I overlooking something?

Sure, instead of investing the money, first pay off the gas guzzler. Makes sense.

Am I reading irony there? Would you rather invest it? I'm here to get advice.

It is a balance of costs and returns. It can make sense to use money to pay off debts if it is worthwhile considering the costs, i.e., interest. Conversely, it can be worthwhile to invest money if the return is high enough.

It is a balance between costs and returns. It can make sense to use money to pay off debts if it is worthwhile considering the costs, i.e. interest. Conversely, it can be worthwhile to invest money if the return is high enough.

Yes, in this case the interest on the car loan is higher than the return to be achieved. I don’t really see it that way with special repayments.

The car costs are for 2 cars. However, the financing for one (300€) will cease in 2025. Which insurances do you strongly recommend? I am not very familiar with this area because my father works for an insurance company and has always taken care of most things. Sometimes he even pays insurances for us.

Ok, financing is removed. Following are inspections/TÜV/repairs/tires… Cars are money pits with a hole in the bottom. ;) You have the advisor right in the house for the insurance.

Am I reading irony there? Would you rather invest it? I am here to get tips.

2xNo. (Others see it differently) With the current available numbers and insights, you can readjust your calculation.