But the roof probably won't last another twenty years either. You also have to keep an eye on the deferrable things when calculating.
But the top salary is in the public sector as far as I remember? I also believe that the blanket assumption that a parent with 3 children cannot work much anymore is no longer generally correct today. It strongly depends on the environment, the care situation, the parents' attitude, commuting times / home office, etc. We need to get rid of this 1950s mentality.Keep saying no. You are so attached to your top salary, that's not healthy. I would see it differently if the 6.5 net were divided into 4 and 2.5 or something similar; with 3 children, one spouse can also only work very limited hours.
I assumed that regardless of whether it's the public sector, with 10k gross per month it doesn't necessarily stay at 40 hours. Such a salary usually comes with (management) responsibility. Home office is unfortunately also a difficult topic here. The top earner usually can hardly cover the everyday demands. If the grandparents live nearby and are willing to step in, that's a different matter. But do they want/can they do this for 15 years?But the top salary is in the public sector as far as I remember? I also believe that the blanket assumption that a parent with 3 children can no longer work much is no longer generally correct today. It strongly depends on the environment, the care situation, the attitude of the parents, commuting times / home office, etc. We need to get rid of this 1950s mentality.