House buying - No idea what one can afford

All well and good ...

The thread opener, as a high earner, asked the question of how much financing he can afford - without equity!

And it must be clear that situations can develop that he can no longer manage.

House gone and initially private insolvency followed by a reorganization of his life.

This is a real risk that he can consider or not.

The less his wife works and the more children they have, the more reliably a divorce will lead to his downfall.

He partly has it in his own hands to influence these risks!

All well and good ... .

The thread opener, as a high earner, asked the question of how much financing he can afford - without equity!

And it must be clear that situations can arise that he can no longer manage.

House gone and initially private insolvency with subsequent reorganization of his life.

That is a real risk that he can include or not.

The less his wife works and the more children they have, the more reliably a divorce leads to his downfall.

He partly has it in his own hands to influence these risks!

Whether she works or not will not be an issue when it comes to savings and income. She earns 50% of the family net income; therefore, she must inevitably work.

Simple solution: the man stays at home and takes care of the children; the woman makes a career.

Simple solution: the man stays at home and takes care of the children; the woman makes a career.

Is that what the two mentioned actually want?
In most marriages, probably not!

If both want it that way, it would not be a problem for me either.

I am of the opinion that there should be more 30-hour jobs with one day of home office... if both parents had one, raising children would even be possible without grandparents. Unfortunately, in Germany there is an attendance mentality... and the fear of missing out on "politics." I am absolutely convinced that 80% of non-manual work could also be done in 6 hours a day if employees, in return, were also willing to do some off-hours tasks. Let's see how long it will take for this realization to reach the corporations... I have little hope for the middle class.