How should we finance? Budgets and their distribution?

Children can also play in an apartment building with a garden.
So that should not be decisive.

A question that is implicitly hinted at here is:
What does one do with the money one earns?

One buys expensive things, travels to exotic countries, another retires earlier, and for many, owning their own house is a fulfillment. Rational reasons hardly ever argue for buying a house, but emotional reasons do.
The gain in quality of life, one hears from many homeowners, cannot be bought with money.

Regarding your last point:
They definitely have: Pillar 1) statutory pension (compulsory), some: Pillar 2: company pension scheme, direct insurance (depending on the employer) - whether anything is done for Pillar 3? Maybe a few.

More important is: They have Pillar 1?
Do you have it too (my question above)?`

Regards
ghost

There is a lot of truth in what you write and it really gets straight to the point.

To answer your question in advance about the pillar of retirement: yes, as an employee, I am a completely normal member of the statutory pension scheme.
I do not have a company pension scheme or direct insurance. The direct insurance is offered, but through Allianz with, in my opinion, very poor conditions, meaning a high cost ratio. Therefore, I remain self-sufficient when it comes to an additional pension.

Hence also my further thoughts on what it would look like with a house in the portfolio.
Sure, it is a form of retirement provision but still a high luxury with additional payment obligations.

To answer your question about the pillar of retirement: yes, as an employee I am a regular member of the statutory pension scheme.