How long have you been saving equity for your house?

30k remain.

And even the 20k that remain are, sorry: a lot.
If you put 75% of that into an ETF savings plan etc. and take advantage of compound interest effects for 30 years, you'll have a nice extra income when you retire. And because of the high salary, not a bad pension either.
AND hobbies lived out for 13.5k per year (honestly, I don’t spend that much per year on the expensive hobby of gourmet cooking!?)
And all of that in expensive Bavaria.
So where exactly was the problem again?

One can also overdo forced independence. I see absolutely nothing wrong with supporting one’s own children. Usually, one has also experienced this support oneself beforehand. If you don’t have the possibility, okay. But then you don’t need to point fingers at other parents, claiming that they are raising absolutely dependent children.

The question is until when you support someone. Until the end of school - in my opinion definitely. A 15 or 16-year-old in vocational training - I also think yes (although it would already be legitimate to collect household money). A 27-year-old long-term student - I have my doubts that supporting him does good.. Looking back, I have to say for my own development that I was supported too long (namely until 27). I only really took off when my father could no longer support me. At the time, of course, I found it annoying, but today I can say that I needed that push into the cold water to finally learn to swim. And even to learn that I enjoy it.

I believe saving behavior really depends heavily on the circumstances you come from. With my parents, money was never a problem; from today's perspective, I would describe them as wealthy, and so naturally, in young years, you get used to a standard of living where things like new cars, nice and frequent vacations, and for example, eating out often are considered completely normal.

I would not only call it circumstances but also the lifestyle one is shown. My parents did not go to restaurants with us because neither they nor I felt like it. As for cars, there were normal yearly models, and there was exactly one vacation every year.

But that does not mean that all these things were not possible. The wealth is simply correspondingly high now. If my income were to increase by 1000 or 2000 net, I would make exactly the same number of restaurant visits as now and buy just as much clothing, and my choice of car would not change either. I assign zero value to these things. But I might actually travel more often or reduce my working hours because that is valuable to me. Or simply save for the next generation ;-)

The question is until when you support them. Until the end of school - in my opinion definitely. A 15 or 16-year-old in vocational training - I also think so (although deducting household money would already be legitimate). A 27-year-old long-term student - I have my doubts that doing so does him any good.. Looking back, I have to say for my own development that I was supported for too long (until 27, that is). I only really took off when my father could no longer support me. Back then I thought it was stupid, of course, but today I can say that I needed that push into the cold water to finally learn how to swim. And even to learn that I enjoy it.

Same here. Although my parents also came from the other extreme and therefore thought they were doing us a favor. They also saw too many friends and relatives die too early - between mid-40s and late 50s - and consciously asked themselves what one wants to live for and when. I almost have to force them now to earn their own money instead of always saying, "but you’re supposed to inherit something!"

If you put 75% of that into an ETF savings plan, etc., and take advantage of compound interest effects for 30 years, you will have a nice extra income when you retire.

I always read here about making money with money,
since we are in the house-building forum, only people who have managed this or have not done it at all are here,
the rest are in the debt forum or something.
Making money with money is a bet on the future and not a predictable income.