Salary increases are almost annual on the agenda, and as an engineer, €2600 is by no means the end of the line.
But conversely, there is still room for salary growth with more professional experience as an engineer, which should even out in the future.
We know that there is still considerable room for improvement in the salary. The current employer is not known for generous starting salaries but grants a salary increase every year. The "lack" of salary is compensated by other freedoms (working hours arrangement, flexibility, etc.). Nevertheless, we still need to discuss the pros and cons of changing employers.
By the way, one usually also has a family in the background that supports you in such situations.
One part of the family is already supporting with €40k plus a kitchen. The other part of the family would rather support with labor.
Calculate what net income remains during parental leave and later if one works part-time.
That will definitely still be done! But it’s pointless if full-time doesn’t work right now.
I find the high equity and clean setup positive, also that reserves for a new car are included. Good planning is always important when things are tighter.
The planning also showed how much money simply flows away unconsciously. Here 5 euros, there 10 euros. That adds up quickly. However, I also see several saving opportunities in our consumption. For example, streaming services can be (temporarily) canceled, ticket costs reduced, and savings for vacations scaled back.