Already over €1000 for 2 full-day daycare places, then 2 cars and a rented property that is still financed. Then there are things like new glasses, dentist, a new dryer or dishwasher breaking down. Nothing lasts forever and we also don’t have the cheapest devices, but a house has potential for costs you don’t think of. PS: if there is money left over, there are still special repayments