Financings ETW Student + Engineer

No, if the other circumstances fit, that sounds more like a good idea. You're not broke either with a salary for a few more years. Civil servant status before pregnancy would of course be the icing on the cake. But children are better than civil servant status

Uh, no. Lifetime civil servant status is something you better have beforehand. You can always give it up, but maybe you can't get it later. Although there is a shortage, the states are ALREADY starting to save. And why should you study for 5 years, do 1.5 years of teacher training, and then not have worked even one month in your job? There was already a comment about the burden during teacher training, and if you urgently want children, studying is probably ultimately the best time for it.

Whether to do the teacher training with or without a child is something to consider. You can also do teacher training part-time with a child. The huge advantage is the social points, which keep you nearby. The best time was during the studies, but we missed that. But when is the best time? Teacher training 1.5 years + 5 years until permanent civil service status. Then I would be around 37-38. Phew, having the first child close to 40... Today it is really hard as a woman + children + studies.

But when is the best time? Ref 1.5 years + 5 years until civil servant appointment. Then I would be around 37-38 Phew, having the first child close to 40.

We seem to have almost identical conditions. Although as a man, I’m not really worried about being 40 yet. But the probation period for civil servants on probation is extended by the duration of parental leave, isn’t it? Or am I misinformed? You could start from the planned position and medical examination. You should actually manage the revision hours if you didn’t just barely pass the Ref. Since my wife got through the Ref really well but lost her nerves shortly before the exam, I don’t want to imagine what the nights with a baby would have looked like. Anything is always possible and there’s always a reason to wait. It’s like building a house. There’s always something. But there really are more pleasant times than the Ref!

Whether to do the preparatory service (Ref) with or without a child is something to consider. You can also do the Ref part-time with a child. The huge advantage is the social points that keep you close by. The best time was during your studies, but we missed that. But when is the best time? Ref 1.5 years + 5 years until civil servant status. Then I would be about 37-38. Phew, having the first child at almost 40... Today it’s really tough as a woman + children + studying.

Oh dear, with all this endless calculating, the unborn child is already getting a headache. I think you have considered all this, and when the child comes, it is welcome and should not feel like it is in the way of a financial plan. By the way, that’s not how I read your comments at all. But: of course today it’s generally easier than in the past with a child; still, I do not underestimate that this topic causes great worries and thoughts even today. The thought that it was easier before I would better forget or have a mother or grandmother tell me what it was really like back then. Social points, part-time, studying... all that didn’t exist or was rare, and yet we are all here— Go for it!

It has never been easy with a child. There have always been/will always be some kind of challenge. What is important is that you do not sugarcoat these challenges, but clearly name them and talk about them. That way, half the battle is already won.

House fees don't have to be that high. I pay 224,-, but for only 84 m². Including hot water and heating and elevator (the biggest cost trap of all). It also depends a bit on the number of units. Here it was 8? I have over 40, which helps to better distribute certain fixed and stepped fixed costs. But I think it shouldn't be significantly more than 300 EUR, depending on how the charges are in the municipality. At least not in the first 2-3 years. After that, it is common to increase the maintenance reserve, as you are approaching the end of the warranty.