Forward-looking planning and timing of house construction

I also have respect for such calculations. But for me, there are too many unknowns and thus errors that creep into such calculations. Besides, it's too matter-of-fact for me: if 4 years isn't enough to save, so better plan for a longer time – where is the desire for a house, something of your own? You can't squeeze that into a table. If the need for a house arises in 3 years, when the child is born, but the equity hasn't increased as planned, what then??? A home is not just stubborn reason, but also a life philosophy – that doesn't fit into every life. Save a bit more than you want and see what is achievable in a few years :) And where do you get 6%??? I just wanted to quickly know that [emoji28] Regards, Yvonne

Reduce consumption, increase income. Generates equity as well as liquidity. That in turn means freedom. All without Excel (or Python).

And where do you get 6%??? I just wanted to know that quickly [emoji28]

Regards, Yvonne

OFFTOPIC (yeah, yeah..I know): I made about 120% with BitCoins this year. Sold everything two weeks ago :) I’d rather not say the amount..otherwise people will think I’m a troll again. Just this much: Our 500k loan lets me sleep very calmly nowadays..

Regards, Steffen

OFFTOPIC (yeah yeah..I know): I made about 120% with Bitcoins this year. Sold everything two weeks ago :)

But don’t forget to pay taxes on it ;-)

You have surely thought a lot about it, which is obvious from the calculation. However, I wonder why you haven’t saved any equity so far? Especially since you live quite cheaply. Therefore, I somewhat doubt that you can stick to your plans that strictly.

Sure... I'm probably the only one in the world who pays taxes on BitCoin profits... you have to be that stupid :p

So we have always saved the money that was left over until our house construction. At some point, the right plot of land was there, the right time, and the equity was right. Why commit to 4 or 10 years? :) Just save and keep an eye out for a plot of land in your desired area...