It has nothing to do with contradicting, it’s just that with us there is a lot of variability, that’s true. While in August we lived on my husband’s part-time salary, now we live on two part-time salaries. And from January my husband will probably work full-time again due to a leadership position. The bonus payments this year for my husband alone are expected to be 30k-40k, from now on similar applies to me. Of course, with so many influencing factors contradictions arise. And those are not even all the influencing factors. And I still haven’t inherited anything nor received anything as a gift, but a loan for which we even pay interest and which clearly sets out when it has to be repaid. That is not the same as a gift because we would have to consider it as borrowed capital in our personal financial planning. It could be called back at any time with a notice period of 3 months, even though that case is very unlikely. By the way, I am now withdrawing from this forum since our house construction is finished and I see no reason to voluntarily annoy myself. We are doing great, we both completed two degrees with top grades, both have doctorates, healthy children, great parents and are very happy as things are. I owe no one an explanation for anything.