Construction financing without equity as an option?

With increasing salary, expenses usually also increase. With 6 or 7k, you don't necessarily have more money available for a house than someone with under 5k who spends their money more wisely. Sure, as always, now "since I have been a student I haven't changed my lifestyle, only the saving rate has gotten bigger" comes from a dozen participants :D

With rising income, expenses usually increase as well. Having 6 or 7k doesn't necessarily mean you have more money available for a house than someone with under 5k who spends their money more wisely. Sure, as always, now comes "since I’ve been a student, I haven’t changed my lifestyle, only my savings rate has grown" from a bunch of participants :D

You describe the problem accurately. More income leads to more expenses, usually by consuming more or creating liabilities. Welcome to the treadmill.

Many people unfortunately cannot distinguish between being able to and needing to. These people will never be satisfied and will never earn 'enough'.

What I find unusual is the insecurity with which people earning 6-7,000 EUR net often ask here if they can afford something. Sometimes I just shake my head because it seems many have somewhat lost touch with normal society with average salaries.

Anyone who, like däumchen11 described, increases their expenses along with their income becomes dependent. Associated with this is the fear of falling down.

Sure, this culminates in Lufthansa pilots withdrawing 6,000 EUR net from the strike fund during the strike because despite 180,000 gross, they "cannot afford" 3 weeks without income...

I don't want to judge it, I just find it interesting what kind of thoughts people with 7,000 net have and how insecure they often are.

I also hang around here and am a counterexample to the high earners. I try to keep my ongoing costs as low as possible and only invest occasionally in what seems durable to me. However, I am in the minority here in the forum and sometimes feel uncertain because of that. Nevertheless, I am quite satisfied and would recommend everyone to occasionally keep a smaller circle. That is healthy in various respects.

Normally, expenses increase as salary increases. With 6 or 7k, you don't necessarily have more money available for a house than someone with under 5k who spends their money more wisely. Of course, as always, now comes "since I’ve been a student, I haven’t changed my lifestyle, only my savings rate has gotten bigger" from dozens of participants :D

You don’t necessarily have to fall into the extreme right away. But you can live well without spending an extreme amount of money. Then you go to eat in a down-to-earth restaurant, vacation in a holiday apartment outside the well-known hotspots, and a Skoda also comfortably takes you from A to B. Sure, for some people it has to be a so-called premium manufacturer and the vehicle no more than 2 years old, vacation of course in the Maldives and skiing in Zermatt, and the children’s birthday party absolutely has to be a big event... then a lot of money is quickly gone.

Without wanting to stir up trouble. In the end, the question is always whether you get your 5,500 gross for 35 hours and overtime paid/recorded with allowances or the 8,000 for a real 50, 60 hours per week all in.

That’s why many commissioning engineers at 40 are financially much better off than their salary would suggest. They have saved that up over many years abroad through expenses and allowances. You just buy it with little private life.

100,000 annual salary for a real 35-hour week... that's even rarer than 100,000 gross in general.

PS:
Who doesn’t know the email from the bossBoss at 11:55 pm... where you wonder if he’s still okay.