Construction financing: sensible or nonsense?

I think we're drifting off a bit. I didn’t want to start a topic to "argue" about furniture.
About us: we will take quite a few pieces of furniture with us and not buy everything new. Therefore, I didn’t rate the furniture aspect as highly as some here do.

Sorry, but the discussion is really pointless. Especially since you don’t even fully quote me. I also wrote that it is rather difficult to predict times in advance. This is just the rough plan. And of course there are breakups during the construction period. I think this often happens because of false hopes, a relationship that is already intact anyway, a everything-will-be-fine-when-the-house-is-finished relationship is built. It can be different, I don’t know, I have never been in that situation. I would never speculate about it, and certainly not let an architect tell me something like that. Also, to be honest, I don’t understand why the relationship between my girlfriend and me is being brought up here... incomprehensible.

With the intended construction time, I just wanted to say that we are not stressed. The reason is the NON-existent double burden that you mentioned. About living frugally: we live frugally. We didn’t just save €30k in equity for nothing + the €1200 that we set aside monthly in another account. This €1200 is there to get us used to the financial burden and at the same time to build up another buffer. As I already wrote, we don’t blow the rest of our income either, so I don’t know how you come to the conclusion that we spend €2500 monthly. Anyway. I just wanted an assessment and am grateful for any hint.

Regarding frugality: The calculation is relatively simple. You have €3700 available and save €1200 monthly. What about the remaining €2500? You actually pay hardly any rent. If I now subtract the mentioned €250 from the €2500, you still spend more than we do as a family of four on rent, living expenses & insurance, etc., assuming.

You didn’t say whether you also set aside anything from the remaining €2250 for vacations, etc.

Basically, €30k is also equity, but in the context of a construction project (not meaning the construction financing here; several thousand euros already make a difference) of several hundred thousand euros, it’s more to be seen as spending money or at best a buffer.

I don’t want to attack you now, even if it might come across that way.
But some thought constructs must also be put into perspective and viewed soberly. Feel free to also consider mine.

Regarding frugality: The calculation is quite simple. You have €3700 available and save €1200 monthly. What about the remaining €2500? You basically pay hardly any rent. If I now deduct the mentioned €250 from the €2500, under the assumption, you still spend more than we do as a family of four on rent, living expenses & insurance, etc.

You did not write whether you also set aside some of the €2250 for vacation, etc.

Basically, €30k is also equity but in the context of a construction project (which does not mean the construction financing. Here, already several thousand euros make the difference) over several hundred thousand euros it should rather be seen as pocket money or at best a buffer.

I don’t want to attack you now, even if it might come across that way.
But some trains of thought must also be relativized and viewed soberly. Gladly also mine.

I always find it fascinating that in this forum a "frugal," obviously even stingy, lifestyle is stylized as heroic. Apparently, there are many people here who have declared the maximum accumulation of capital as their highest life goal. Maybe this is also a societal problem. Total delusion.