How long have you been saving equity for your house?

It's always your direct circle of friends/relatives/acquaintances that you compare yourself to: car, salary, house, social status. You quickly end up being the "poorest", because, for example, you only have household equity of 6,000 euros net, since all your friends are entrepreneurs. However, your direct circle of friends doesn't necessarily reflect the average of society. Still, you feel poor when they all tell you about the Audi S8 Plus as a company car, or the trips to Bali three times a year. The best thing in this situation would be to find a circle of friends who all earn around 4000 euros net — then you'll immediately feel better. That's human and completely okay, everyone compares themselves to others (and if not, then that has been very hard work :) )

We are in the "midfield" friend circle — with about 7k net per month.

I don't understand how house prices can increase by 5% to 10% every year without salaries rising similarly.

Cheers to the ECB and its monetary policy. Before I, as a bank, would have to park my money at the ECB for -0.5%, I would also rather throw around loans at +1%. I can't explain it any other way. At the moment, people are getting loans who wouldn't have gotten any 10 years ago. You can also partially see that here in the forum, looking at the amounts being approved and granted, sometimes with only 2% repayment. Apparently, only one question is being asked anymore: "So, how much would you like?" As long as the money sits as loose with the banks as it does currently, the development will, in my opinion, continue.

A toast to the ECB and its monetary policy. Before I, as a bank, would have to park my money at the ECB for -0.5%, I would also rather throw around loans at +1%. Otherwise, I can’t explain it. Currently, people are getting loans who wouldn’t have gotten them 10 years ago. You can partly also tell here in the forum what amounts are being approved and granted, sometimes with only 2% repayment. Apparently, only one question is being asked: "So, how much would you like?" As long as money is that easy with the banks as it is now, the development will, IMHO, continue.

2% repayment is okay – why should you repay more and throw money after the property when you can make much more money with it?

The discussion was about two teachers with full-time jobs, therefore two full incomes, and not about families with only one income. However, the median family income simply averages out these effects... So if the question is "is 67k net a lot for dual earners without children?" the answer must naturally be different from the question "is 67k net a lot for an n-person family with only one income?"

If a family has to live off the family income, it does not matter how many bring it home. The comparison is only correct if the income of a family is considered independent of the number of earners in order to then compare it with all other family incomes.
The difference between median vs. average additionally has nothing to do with this.

Please remain statistically accurate when arguing! Otherwise, we end up at the level of the joke calculator from one of the economic institutes in one of the older posts.

The difference between median and average has nothing to do with this either.

Please stay statistically accurate when arguing! Otherwise, we end up at the level of the fun calculator from one of the economic institutes from one of the older posts.

This was not supposed to be a debate about the fair distribution of income in Germany. My point was that the salary of the two teachers does not correspond to 80k; a normal employee also does not add their statutory health insurance contributions to their net income. If you subtract the private health insurance, the salary of the two shifts to an "average" level—which, of course, as expected from two academics, is significantly above the median.

Neither. I am still against private health insurance, but this goes even further off track.

As a student, staying at home is unfortunately not always possible. What do children do if a university with the desired field of study is too far away? What about children from rural areas without a car?

Scholarships modeled after the American system would be even worse. Those who don't get one would have to take out expensive loans for even more expensive tuition fees.

Complaining at a high level. Studying / school / education in Germany is cheap. In other countries, people study at high prices and start their professional lives deeply in debt. For example, the USA.

Why do all these foreigners come to us? Exactly, best education and cheap.