How much house is in it?

Why should one no longer be able to work full-time with 2 children? Those who can and want to afford this luxury just have to make compromises elsewhere. In the end, it is also just a matter of balancing individual priorities.

That's not serious, right?

Why should one no longer be able to work full-time with 2 children? Those who can and want to afford this luxury just have to make sacrifices elsewhere. In the end, it’s just a matter of weighing individual priorities.

Who says anything about "not being able"? The "not wanting" predominates. Of course, not until the child is 18. Basically, you are right. There are many "levers" to react.

Basically, my assumptions are also only observations from the daycare/kindergarten/school environment.

Most take 2 years of parental leave, then work part-time for 6-12 months and then have the 2nd child so that the gap is not too big. Then the story repeats itself. So about 5 years have passed in which one full-time salary is lost.

@TE the topic of expenses is understood!

Increase your expenses by 200€ and calculate with parental allowance and 400€ daycare. Usually, there is also not much difference between parental allowance and part-time "earnings" (except that bonuses and Christmas pay come on top).

Well, he is right after all. Even at the risk of making myself extremely unpopular: There are enough single mothers who prove every day that working and having a child is manageable. Even though it is almost certainly never wanted, it is possible. And when I see that there are still guys walking around who don’t even pay child support...

But aside from that: rents are also getting more and more expensive. Although nowhere near as extreme as building land, especially in metropolitan areas you are no longer really on the safe side.

Also, I don’t think it will come to that. As I said, children are not planned for at least the next 5 years, probably rather towards the end of my 30s. In any case, planned only when I can confidently say that it is financially manageable. And that includes that our standard of living is secured even with one parent working part-time.

Well, he's right. Even at the risk of making myself terribly unpopular: There are plenty of single mothers who prove every day that working and having a child is doable. Even if it is almost never truly intended, it is possible. And when I see guys walking around who don’t even pay child support...

But aside from that: rents are also getting more expensive. Not nearly as extreme as building land, but especially in urban areas, you’re no longer on the safe side.

Also, I don’t think it will come to that. As I said, children are not planned for at least the next 5 years, probably rather towards the end of my 30s. Definitely planned only when I can confidently say that it is financially manageable. And that includes that our standard of living is secure even with one parent working part-time.

30 years of financing and 10 years feel planned. You can plan having children just as well as a divorce.

Basically, such things have to be planned, just like financing over €560k over this period. What becomes of the plan afterward, no one can say, but viewed with concrete numbers, it has to work!

30 years of financing and 10 years are planned, as it feels. You can plan children just as well as a divorce.

Basically, such things must be planned, just like financing €560k over this period. No one can say what will come of the plan afterward, but judging by concrete figures, it must work out!

Your argument is flawed: that mentioned family model is not financing a house for €560k.

Topic Divorce: Therefore, we would apply for the loan together and also register ourselves together in the land register. If I then stayed at home because of possible children and only worked part-time, the rest would be covered by spousal support, so that it would still be enough to live on (plus of course child support). Or the husband would stay in the house with the children, then his rent would be offset against my child support.

If I plan now for over 30 years, I end up with 10 plans that work and 5 that are so bad with death, divorce AND children that it feels like only 0.5% of all Germans should even consider building. Who does that help? I have no idea at all what will happen in over 10 years. Sure, it could be that one of us dies in a car accident (probably me), gets run over by a train (more likely the husband), ends up in a wheelchair, we separate, we have 10 children because of insufficient contraception and suddenly appearing fertility, we inherit debts (from wherever), SAP goes bankrupt and we can no longer find jobs, etc. But just as well, it could be that we are professionally successful, have secure jobs, both keep our heads (here it currently reads as if that has a 3% chance), have planned children and can continue to pay the installments wonderfully or even increase the repayment rate at some point due to higher salaries and parental childcare assistance and thus pay off the loan after 20 years.

Both are possible, of course I would prefer scenario 2. Apart from that, I think that in scenario 1 the house should be our least problem...