Desirable property affordable? Experiences?

  • Erstellt am 2023-01-23 10:28:06

kati1337

2023-02-06 10:50:45
  • #1
Children are not 1-4 years old for 15 years. They also grow older and can eventually occupy themselves alone for a while in the afternoons or attend homework supervision or or or. There are many individual factors. Maybe the spouse of the top earner can work remotely or hybrid. It has become rare nowadays to have no 2 incomes for 15 years.
 

SoL

2023-02-06 10:53:22
  • #2
True, but from experience with 4 children I tell you: you are massively limited in time with children. Doctor's appointments, check-ups, chauffeuring kids, possibly tutoring / homework supervision, more laundry, more shopping, etc. So it’s not that simple, even when the children are already 8 or older (even if they can entertain themselves / get ready much better by then, etc.).
 

kati1337

2023-02-06 10:57:31
  • #3
I'm not saying that life with children is easy living. I have some myself. ;) But I am saying that the statement one should completely leave the second income out of the calculation for the next 15 years is quite pessimistic. There are certainly a few families for whom this may apply, but for many families, a daily life with at least 1.5 incomes is common and feasible once the kids are past the worst.
 

cschiko

2023-02-06 11:08:14
  • #4
So if the top salary in the public sector is supposed to be, then I do wonder a) where you can already get that at 31 and b) such a salary jump then seems very unlikely to me. The salary increased by 1100€ net, so you know what gross amount must be added.
 

kati1337

2023-02-06 11:14:34
  • #5
Maybe I confused that with another thread?
 

mayglow

2023-02-06 11:16:32
  • #6


I would say, precisely because it is a very good salary and not divided, I see it as less problematic. With a 4k/2.5k split and a planned 3rd child, a 3k installment hurts significantly more in my opinion (since the loss of the 2.5k is already foreseeable), than when you’re currently at 6.5k/0k anyway. Of course that would be hugely problematic if something happens to his job, but who isn’t affected if the main earner loses their job? You can plan a buffer and keep adjustment options in mind (which could then include an earlier return to work for her), but ultimately you also have to consider how realistic you think that scenario is.
 
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