Financing plan too unrealistic?

I also thought you give a child five chestnuts and toothpicks and it is happy. Unfortunately, my bonus child does not agree. Even more unfortunately, my wife does not believe me that it was the same for me and did not harm me.

I would calculate the topic of child 2, like financing and building a house, very pragmatically. I know this is particularly unpopular with many women and is a 100% emotion-driven matter. After child 1, I would have loved to have a second and third immediately; child 1 was also a perfect beginner child, child 2 rather ahem. :D My husband was a bit more realistic, and a few failed relationships in our circle slowed me down enough that we now have a comfortable age gap of 3 years and a number of children that we can handle. Therefore my tip: if you calculate so tightly, you should approach the topic of child 2 differently than with a significantly higher income, where you can also stay home longer, cleaners are no problem, and vacations and a second car are no issue.

Here I find it a bit exaggerated. Yes, you can. But you don't have to. You can actually buy many things (e.g. toys and clothes) in very good condition at flea markets or on eBay or from colleagues. My female colleagues also do this with their school-age children: many are half a year or one to two years apart, and if it’s pink, the next girl likes it too. Value and frugality can also be taught if you live it yourself. Then kohlrabi and salad are grown, and so it can also work within the family on a lower budget. More develops over the years. I wouldn’t worry about that.

The mentioned costs are statistical values (official). And it’s not just toys and clothes. There are strollers, Maxi Cosi car seats, room furnishings, hobbies (for me that’s already about €400 base price per month for three children - horses...), activities, children’s birthday parties, vacations during school holidays instead of the cheaper off-season, regularly new bikes in new sizes, school supplies (backpacks cost a fortune too...), class trips, fuel costs for driving, extra health insurance for the kids, costs for braces, etc. included.
You can’t save as much as new expenses will come up for you.

Aside from that, I would always have more than one child :) :) :)

Experience shows that couples with almost €6,000 net per month tend to care that the children are “doing well.” So they’re more likely to take out their wallet. The OP already doesn’t necessarily live frugally today (with cash withdrawals, shopping, and other things). Saving is hard there.

I would implement the project based on the numbers mentioned in the first post. Decent salary, good equity available, 30k buffer remaining, that all fits. The housing costs would need to be calculated more precisely, but everything is doable. Statistical child costs bring nothing in such posts in my opinion. What is the use of a theoretical value that, for example, has included housing costs (rent/ house)? In the first years, there are only various initial purchases for strollers, children's rooms, etc., and that is a manageable one-time sum. The child benefit easily covers diapers and food. Children become expensive when childcare costs money. Daycare and later also the after-school care at school can be charged. That can be researched. Here, a distinction is made between care costs and catering costs, which also often occur with free care. So that must first be deducted from the statistical figure.

regularly new bicycles with new sizes, materials for school (schoolbags also cost a fortune...), class trips, fuel costs for driving, supplementary health insurances for the kids, costs for braces etc. on top.

Is all that always really necessary? Bicycles are available used and after a few years are sold again at the same price. I wouldn't know what the supplementary insurances are for and the braces are paid by the health insurance anyway if necessary (or the supplementary insurance?). Why fuel costs if you regularly buy bicycles for the children? Anyway, I don't want to discuss every cost point of children now. But you definitely don't have to be afraid of the costs. Much is in your own hands.

I wouldn't know what additional insurance is for, and the brace is paid by the health insurance anyway if necessary (or the additional insurance?).

Is it - more or less. Have you ever dealt with a brace? If the child doesn't have super crooked teeth so that health insurance covers everything, you will be stuck without additional insurance paying a smaller four-figure amount without problems. For us, the dental treatment for one child currently costs about €5,000 in total. Of that, 25-30% is covered by the health insurance :oops:.

Why fuel costs when you regularly buy bikes for the kids?

We travel about 8,000 km per year for the kids' hobbies... besides the actual costs for that. You can't reach everything by bike. For us, that means trips to the stable, trips to championship games (which exist in almost all sports), or tournaments. Etc.

Statistical child costs are, in my opinion, pointless in such posts. What use is a theoretical value that, for example, includes housing costs (rent/house)? In the first years, there are only various initial purchases for strollers, children's rooms, etc., and that is a manageable one-time amount. Child benefit easily covers diapers and food.

Children become expensive when childcare costs money. Daycare and later also the all-day school care can be chargeable. You can research that. Here you have to distinguish between care costs and catering costs, which often occur even with free care. So that also has to be deducted from the statistical figure at first.

But the statistics provide good reference values. And reflect the average. And that fits quite well.
Strollers and furniture? Go to the baby store and watch the money disappear into thin air. Costs for school? Every other year in middle and high school a class trip for €500. Day trip to Movie Park - again €100. Copying costs. Costs for clubs. Etc.

Bikes are available used and after a few years they are sold again for the same price.

That only works to a limited extent.

Don't convince yourselves that kids just run through life. They are expensive, but you only notice it when you seriously think about ALL the costs.

Statistical costs of children, in my opinion, bring nothing in such posts.

I think so too.

This includes the stroller, the Maxi Cosi for the car, the room furnishings,

You can buy those very well used…

regularly new bikes with new sizes,

These too! Etc. Used goods are no shame. You are not immediately inferior because of that, rather the opposite, since you recycle, use up, and also appreciate the value itself…

Experience shows that couples with almost €6,000 net per month tend to place value on their children doing "well."

… instead of always pulling out the thick wallet. I thought the rethink had long since begun? It is of course unfortunate that it is always the filled wallet that lacks appreciation and moderation for the finite Earth. Instead, the child is powdered. Of course, I do not mean the necessary braces, glasses, and such. Edit: I am just reading about the mama taxi use of 8,000 km/year…. Phew.