From 0 to 100 in 3 years realistic? | Building obligation

not quite. It’s 200 € per child

Maybe you paid 200 €. But I also know what I paid for years: 136 € (private).

Of course, with the same performance :) But a tariff with a single room is simply pointless, just like certain other additional services that I don't need from my point of view or at least don't want to pay for at these current costs. In my opinion, the topic of private health insurance (PKV) doesn't initially have much to do with this topic.

Actually, it does. Because you base vacations and going out on hypothetical reimbursements. You also ignore increases. People get older and the bills rise. Anyway, you should always keep this in mind as cost drivers. Also the issue of "child sick".

The topic of private health insurance, in my opinion, does not really have much to do with the subject for now.

But of course it does. The basis of any financing is a realistic assessment.
You are planning to have children in a few years. So they are fully within your financing period, and each child will then cost you money for private health insurance. The moment children are added, costs rise significantly (private health insurance, daycare, children’s equipment...) while at the same time money is initially lost due to parental leave.
With a child, you also quickly find yourself needing a car. Cycling is no longer that easy (especially in the very beginning), and in a town in Baden-Württemberg where building plots are sold for €175, the public transport can’t be that great either.
Unfortunately, you didn’t address the issue of housing costs. Your €2000 for housing doesn’t add up, you have to reckon more like €2500 + additional costs, so nearly 50% of your current net income. During parental leave, easily about a thousand of that will disappear while living expenses increase.
Now please be straightforward. In which town exactly are you planning to build, how far is that from your current location, and will your girlfriend’s job still work then? 30 minutes to Stuttgart and 150km away are absolutely not the same area.

actually yes. Because you base vacations and going out on fictitious reimbursements. Likewise, you ignore increases. People also get older and the bills go up.

Anyway, you should always keep this in mind as a cost driver. Also the topic "child sick".

I naturally agree with you! However, I also don't find it productive to include every possible problem that might arise if XY occurs in my planning. If I approached things so conservatively, I would probably never buy/build a house. Therefore, I simply apply the 30% rule as a limit here. What happens in 5 or 10 years I simply cannot estimate now. I only want to keep my standard of living so low during the savings phase. If we realize that this doesn't work for us, then the goal will simply be postponed. Nothing is signed/bought yet anyway.

Unfortunately, you did not address the topic of housing costs. Your 2000€ for housing are not enough, you have to calculate more like 2500€+additional costs, so almost 50% of the current net income. During parental leave, at least a thousand of that drops away while the cost of living rises.

Please be straightforward now. In which town do you specifically plan to build, how far is that from your current location, and will your girlfriend’s job still work then? 30 minutes to Stuttgart and 150km away are absolutely not the same area.

With an annuity of 3.5% and a loan of 600,000€, I come to financing costs of 1,600€ + additional costs. Where is my error in thinking here to arrive at 2,500€? The stated 750,000€ is to be seen minus own equity.

I work 100% from home office or in a remote-first company. As a software developer, I can basically work anywhere, which I have been doing without problems for 3 years now. I no longer see myself in a 9 to 5 office job and am very satisfied with the current situation. My girlfriend will probably quickly find a new position as a nurse in the local hospital (as well as 3 more nearby). The future place of residence is, as mentioned, near both our parents' houses and no longer in the Stuttgart area.

Back to reality: cut out unnecessary luxury. Nobody needs smart homes and stuff like that. I bought a new build twice and both times I was caught in a whirlpool that swept me along with wishes, "standards," "nice," "better equip now than later," "it's nothing special anyway." I really had to look closely to see that I didn't need all this nonsense. And that set me free. I'm glad I did the things that were really important to me, and not the rest.

Do you want to see my cut list?: second bathroom with a tub, then a tub in the bathroom, great terrace furniture from Fermob, kitchen with 2 ovens/steam oven from a kitchen manufacturer with nice fronts became Ikea with also nice fronts and "only" one oven, raised washing machine (the washing machine now stands on the floor), great curtains (became Ikea and second hand), extra door to the garden shed for storing the bike: instead of a nice door with handle, hinges, and lock, a door that was simply cut into the wooden side wall, several sockets not installed after all (I regret a few, others not), clip-on spotlights for 10 euros and clip-on spotlights bought used, regular toilet (not one of those rimless ones that supposedly flush especially well), shower without rain shower or other fixed element, only hand shower you can hang up, terrace stones bought used, moved myself (even exclusively by bike + trailer but of course that’s really not an option for everyone), great sliding door installed later myself instead of from the developer, doors largely unpainted (but that was a mistake), no video system at the front door but a simple doorbell, took all existing furniture with me and continued to use it, additional furniture second hand or Ikea (especially Ivar).

Here, on the other hand, are the things that were important to me: wooden floor, wooden kitchen countertop, kitchen sofa, wooden washbasin cabinet in the bathroom, and underfloor heating upstairs.

You see, the cut list is much longer than the really important list. Cutting feels like you’re losing something. But basically, it’s not like that at all. Quality of life doesn’t depend on whether you switch on the light at the switch or it happens automatically.

If you realize that cutting is an option that’s not so bad, then building a house can work. And if you really want to save rigorously, then start with everyday life. The big expenses are quite easy to save on, but many small things also add up. The art is to save in everyday life.