Defining the financial framework, recommendations on house sale / land selection / new construction

When reading the thread, I had to reactivate my account again and reply to you . We lived in that district until two years ago and were very satisfied there. However, due to the high prices, we then moved to the neighboring district and have been very happy here ever since. Since you can afford it, go for it. Oberneuland is clearly a very privileged villa district aka prosperity bubble, although through the kids and the kindergarten we found enough parents who earned well but were not at all stuck-up. For example, we drive a very old car and were never looked at askance, and on the other hand, we know enough people with fancy new cars that do not stand out in the district at all. Since you wrote that a change would be due to the environment, I would suspect that you would feel more comfortable in the new development area. Our apartment was also directly next to the railway line, but I never heard the train. The nearby highway, on the other hand, was more noticeable with unfavorable wind. I drive past at least once a week and it already looks like a construction site. I would be concerned about the traffic situation; I don’t know if it will become too congested once the Mühlengelände is fully developed. Otherwise, the district is nicely quiet, rather rural but infrastructurally very well equipped, especially in the area with the supermarket, drugstore, and public transport connection. From personal experience, I would like to add one thing: I am really enjoying the fact that we financed way below our financial limit. That is really a freedom in your mind not to be underestimated. Although with your salary that is not yet relevant, but rather when it comes to (early) retirement.

Yes, but in the end, you don't know any of that in advance. The saying about the bird in the hand and the pigeon on the roof doesn't come from nowhere... In the current neighborhood, you belong to the top 20%, in the new neighborhood, if I estimate correctly, rather to the bottom 20%. It can work out, but it doesn't have to. You can get neighbors with 2 Porsches in the driveway who are totally nice... or neighbors with 2 Porsches who won't even look at you because there's only "audi" parked there. 3, 4 years old. You can find friends there who have also retired early... but you can also be looked at askance because at 55 you no longer work... "Is something wrong with him? He was probably once an alcoholic or had burnout..." That's why... if you are happy where you currently live... that is worth a lot. Elsewhere it doesn't automatically get better just because the area is "upscale."

I think certain selfishness simply won't be affordable anymore in 2025. Imagine all model years <1975 retiring in the next 5 years because they think it's enough after 38, 39 years of work... for many graduates, it has actually been a maximum of 30 years of work...

We are talking about China, where engineers at car manufacturers work in 3 shifts... and here people go into the deck chair at 55. I mean, it's nice, no question. But that's how we are definitely going downhill.

So one should work oneself to the bone until death and give up 40-50% of their salary so that others get the full care package for free? I can now understand anyone who doesn't feel like that anymore.

Strange attitude. If a ship sinks and there are 5 acquaintances/relatives of yours on board and 50 citizen’s income recipients. Would you then not participate in the rescue and let the 5 relatives drown because you could also save a few citizen’s income recipients? Besides, the citizen’s income is not the problem at all... the problem is the pension. Alone the subsidy from the federal government now amounts to a good 150 billion EUR.

Strange attitude. If a ship is sinking and there are 5 acquaintances/relatives of yours on board and 50 welfare recipients. Would you then not participate in the rescue and let the 5 relatives drown because you could also save a few welfare recipients? Besides, the welfare benefits are not the problem at all... the problem is the pension. Alone the subsidy from the federal government now amounts to a good 150 billion EUR.

Of course, welfare benefits are also part of the problem, after all, a double-digit percentage of the federal budget flows into this area. The mentioned approximately 50 billion euros do not include the contributions that the legally insured bear for beneficiaries through the social funds. And with that, the list of burdens is far from over.

Furthermore, I see it critically that pension subsidies from tax revenue continue to rise. Especially when considering that a large part of the baby boomer generation without their own children must be supported in old age by the public, the question of distributional justice arises.

Of course, Bürgergeld is also part of the problem, after all, a double-digit percentage of the federal budget flows into this area. In the mentioned approximately 50 billion euros, the contributions that the legally insured bear through social funds for benefit recipients are also not taken into account. And the list of burdens is far from over.

Furthermore, I see it critically that pension subsidies from tax funds continue to rise. Especially when you consider that a large part of the baby boomer generation without their own children has to be supported by the community in old age, the question of distributional justice arises.

Do you have anything else to say on the subject, or is it just your usual, DurranDurran (oh no, HoppelHoppel now)?