Home financing ever possible? Probably not!

Am I actually the only person who enjoys work? Although I am working part-time as a parent, if it were up to me, I would work more than 40 hours a week.

Certainly not.
I also really like working five days a week, but I also enjoy snowboarding, playing soccer with friends, spending time with family, going on vacation, etc. And I don’t have to do all my leisure activities full-time. So why should I work full-time if financially, due to my lifestyle, it’s not necessary? There are more worthwhile things in life than just work or hobbies. If, for you, the working hours and the enjoyment combined with the salary fit, then everything is fine.

I hope so much that we maintain our frugal lifestyle. Especially since I have always lived that way and my wife has only been earning well since this year. The goal should be to make a lot out of little, despite having a large loan hanging over our heads. Roughly, this is how I imagine it:

6-6.5k income (2 adults + 1 child) 2k loan 2.5k expenses including vacation 1-2k savings or for special repayment

You can calculate for yourself what salary increase is needed just to meet this "minimum"...

That was my point. The salary increase would have to fully compensate for inflation and also offset the productivity gains of the economy in % for the additional/better consumption. So inflation + productivity growth. At roughly 3.5% per year, that is a two and a half fold increase in 30 years. Do you earn two and a half times the hourly wage compared to your father 30 years earlier? If even more, what beyond that? Net? In reality, many hardly reach this factor. Still, today you can buy more, have more choice, more possibilities. And yet increasingly often feel "left behind."

I don't think it's difficult to afford something today because you have "more cosmetics and a new television." The expenses are just nonsense. The real cost driver is simply land.

No, the problem is rather that men and women consume until their arms bend until their early 30s, have to pay back student loans because they preferred to take the money instead of working a side job, think that getting married for 30k€ is a given, drive two leased cars and travel around the world three times a year.

Quelle: das tägliche Leben

It can be so different … Perhaps it would be nice not to generalize everything so much