How long have you been saving equity for your house?

Well, for example, in Bavaria you lose at least 20k for the cold rent. Then additional costs, another 2.5k. That leaves 67.5k of the 80k. Then living expenses for 2 people around 2k per month, another 24k gone. That leaves 43.5k. Then subtract cars, vacations, and hobbies, another 13.5k. That leaves 30k.

Something like that. So you can save about 30k per year. After 8 to 10 years, you will have saved enough for a building plot in the village.

In which country do you live that you can call yourselves normal people with 80k p.a.?

Come on, that's not that much. Especially as a family income in Germany.

If I calculate it for myself: single earner, tax class 3, child benefits (4x), construction child allowance (3x), parental allowance (1x minimal rate since my wife hasn't worked for years) and the 80k in the wallet are almost reached.
Funny enough, in my case the gross annual salary is almost equal to the net family income. Crazy just before 80k. All this without capital gains, which we now have to build up again.

Actually, I don't feel rich at all, since all the government benefits will end at some point. And then it will get really expensive if all children want to study.

Come on, it's not that much. Especially as a family income in Germany.

The median family income is less than half of that. The median is used instead of the average because it is not distorted by particularly high or particularly low salaries. 80,000/month is the top 10%. Quite easily.

That doesn't mean that one is therefore not down-to-earth or abnormal. But financially, one is positioned above more than 90% of fellow citizens - in some cases significantly. That's how it is.

Knowing that couldn't hurt, right?

80,000/month

... I would like that too ;) That is probably enough for the top 0.2%. ;)

80k net household income with four children is really not much. There are nice comparison calculators on the internet. I'll post one from the "Institut der deutschen Wirtschaft":




Here, a family of six is just slightly below the top quarter. And that corresponds quite well with reality, because you certainly don't drive a Porsche in such a situation.

... I would like that too ;) It probably only suffices for the top 0.2%.

As a single person, you are only in the top 2% of all workers.

A scientist can only think of one thing about the calculator: Seriously?

Referring to a "need-weighted" income for 4(!) children to the whole is so bizarre that it isn't even wrong.

You have to have ideas...