I wouldn’t even mentally touch the parents’ retirement provision. That will probably be eaten up very quickly by care and nursing home costs. In some homes/residences, you have to buy in expensively if you don’t want to fall socially, and that only works through selling. Not much is left to inherit. Also, the 24/7 scheduling of the grandparents should be reconsidered. Otherwise: even though I doubt that 25% will come out quickly due to the step increase, I would say: Do it! The parents could support in times of need if they wanted to. If necessary, you can always sell.
You are absolutely right there. But somehow you always have this security in the back of your mind anyway.
The parents-in-law should only help in emergencies or if they feel like it. There is already a 45-hour daycare place.
The (expected) approx. 25% consists of my step increase and my wife’s promotion. The latter, of course, is not planned as certain.
Nevertheless, we probably have the courage to do it.
