Some pretty harsh stuff that certain users are letting out here. Under the belt. Most of the posts wouldn’t have been said in a personal conversation with the OP. I’m sure of that.
My goodness, just calm down. People like the thread creator come to the forum precisely because of the anonymity and especially because it’s not a personal conversation. The thread creator consciously did not ask the house bank, a broker, friends, or colleagues, but us here. Voluntarily and fully aware of their situation.
I’m at a loss for words about this behavior here. I’m not used to that at all here. There’s a person who has probably suffered more than one stroke of fate. Trying to provide a better life for their family, and here they’re told to try contraception?
Well, the OP has dismissed their own debts and those of his wife as youthful indiscretions. That implies to me, in a completely neutral way, that it was not a stroke of fate, but self-inflicted. The only real stroke of fate is the need for care, but apparently they are managing that very well, the care level is even decreasing.
Most of the “mean” comments probably arise from the misunderstanding that unrelated children were taken into the family as foster children. Obviously, that is not the case. That was just awkwardly expressed in the opening post. These are not foster children, but their own children who require care.
What many here find strange is that there is still such a high savings rate. Because if care allowance is already being paid, I would first assume that the children actually require higher care expenses. I only know it like this: that the subsidies never seem to be enough. Instead, a lot of money remains. And then the father even has time during vacation for internships in craft businesses? Aha. No offense intended, but the situation is quite unusual and portrayed rather glossed over.
Anyway, there were also good tips here regarding buying property aside from new builds.