I have definitely been very, very lucky financially in life. Nevertheless, I claim that in the long run, this is not enough to be financially "secure."
After my bachelor's degree, I saved everything from my first salary except for 1,000€ monthly. One year later, alongside a 50-hour workweek, I started a master's degree and got married. Another year later, we started planning/building a house, invested a lot of parental allowance [EL], and with moving in, we had our first child. Additionally, there was a job change, completion of the master's degree, and the second child. The job change was an absolute jackpot. Work-life balance perfect, climate great, pay fantastic. Yes, I gladly admit that we received 180k from our parents for the land. It would never have been possible otherwise. Nevertheless, more is involved. In 2017, an investment in the cryptocurrency sector and now a net salary well over 4k with tax class 4 mean that at under 30 years old we feel very well positioned financially. If one of the elements—allowance, investment, or salary—had not come through, the situation would look completely different. We know about our luck and appreciate it very much. Nevertheless, we have also given a lot for it.