Home financing ever possible? Probably not!

One point that I find missing in the discussion is the long training periods for academics. 13 years of school (well, nowadays more like 12), 5 years of university, and then you’re already 25 years old. Of course, you have to push yourself a bit to have decent equity saved up by your early 30s. In the past (TM), many more people started vocational training at 15 or 16 and earned money early.

Tendentially, you are even more likely to finish your studies earlier today than 20 or 30 years ago. 13 years for the Abitur, then military service, and the Dipl. Ing. were completed by very few within 8 semesters + internships. You can have your Bachelor’s degree at 20-21 and your Master’s at 23. This was not possible a generation before.

Yes, you can study a bit faster. But in the past, the general public did not study. Today, they do.

And so everyone continues to live in their own bubble.

Cosmetics can be ridiculously expensive. With the corresponding brands and products, you can easily spend 300 EUR or more per month. Just look at something like Anti Aging creams. One is not enough (if a woman is convinced of it). One jar can cost 100 EUR. But then you need one for daytime, one for nighttime, and of course special cleansing milk, which costs only 50 EUR but is used up faster. In summer you need an additional cream for UV protection and sweating, in winter one for the cold. And that’s not even makeup. You might get the DM store brand stuff for 5-7 EUR. But the brands are then easily 20 EUR or more per package.

So far, I have not met a single student who stayed with their Bachelor’s degree. Most start studying again after at most a year of work. If you’re lucky, part-time. But yes, it would be possible.

I have not yet met a student who stayed with the Bachelor's. Most start studying again after at most one year of working. If you're lucky, alongside their job. But yes, it would be possible.

In my professional bubble, there are plenty of those (IT). It’s simply because financially it’s often the better choice, and you can hardly make up for the income disadvantage of starting two years later. My PhD didn’t bring me any financial benefit either, even though full E13 positions are the usual case in computer science.

On the last ten pages, one might think that everyone spends €350 on cosmetics, has a smart home, owns two SUVs, and is unable to ride a bike to go shopping.

Here in [Schwabenländle], fortunately, it's not like that :)

Unfortunately, I am also one of the unlucky ones and was born 5 years too late to have caught the cheap phase.
So just drink tea and wait.