I have set the daycare fees quite low at 250 euros. With food and full-day care (otherwise they can’t both work nearly full-time twice), you’re more likely at 400-500 euros, at least in his income bracket (there won’t be any discounts there). For the <12 months category, I’ve also heard of amounts over 1000 euros, and the OP probably wants that too if the wife already wants to go back to work after half a year. Ultimately, the OP can easily find out the costs for his desired community online. Usually, it becomes relatively cheap only with kindergarten or with multiple children also in daycare.
Yes, 600 euros is a lot for one child. But that’s because I took the previous lifestyle as a benchmark. If wellness vacations were normal, that will also have to be paid for the child in the future. Of course, if the general consumption level decreases, then 400 euros for the child without care is enough. But then I would also have other savings. However, these are precisely not to be taken into account, but the status quo is to be assumed.
Raising a child heavily in debt without any insurance? You can do it, but I consider it irresponsible. Until the child, I only had liability insurance as well. But I don’t want to leave my child with poverty and parents who need care in case of misfortune just because I was too stingy.
Yes, a house usually causes higher consumption expenses for furniture etc. Who as a tenant treats themselves to a designer kitchen, a wellness bathroom, or even just high-quality kitchen appliances or high-end furniture? As a homeowner, that’s quite normal. You furnish your own place comfortably because you don’t live there for just 3 years but plan for eternity.
Yes, we also treated ourselves to a few more expensive vacations before the child, which now fall away. We don’t have to go away at all with a baby, completely unnecessary. And if we do, a week in a holiday apartment in Bavaria is enough. But many don’t change and go on a world trip or at least a small European trip with the baby. Flights are also taken despite the baby. Whether the expensive trips and dinners really fall away with the baby, only the OP knows. Some parents quickly invest huge sums in their children’s education. Piano lessons, riding, course XYZ etc. That just shifts the expenses and quickly explains why 400 euros for the child can easily become 1400.