Is financing theory practical?

Not so high.

Those willing to build are getting younger and younger, are career starters in well-paid jobs, so hardly any equity could be saved, but the desire for a house with many extras (whether it's square meters or the equipment), which stands out from the crowd, is present.
I am missing a bit of realism and humility about life!

at the latest when the first children arrive and the sterile furniture gets scratched, humility comes whether you want it or not

at the latest when the first children arrive and the sterile furniture gets scratches, humility comes whether you want it or not

I don’t know if we mean the same thing.

By humility towards life, I mean that one should appreciate what one (creates) achieves oneself. For me, this includes a few years of gathering experience as well as funds for certain personal dreams. You can only truly value what you have earned yourself. This also includes saving a part in order to be in harmony with a financing arrangement either with yourself or the financing itself. I also have parents who were at some point able to give me more than the usual gifts. But I was also proud to build something of my own. I accepted a small five-figure financial boost as an interest-free loan, which was not higher than my equity and my husband’s equity, and for that I am truly grateful. Even more grateful, however, am I that I approached things modestly and am still self-sufficient. I no longer have to calculate over and over, keep a household budget, or take every job. I don’t have to eye my parents’ property and hope to get a share of it. On the contrary: I gladly urge them to enjoy life, and I hope they will do so fully and consistently.

Life involves learning, saving, and waiting. The dream must first develop and can come true if you contribute yourself – for example, a lottery win is very reassuring but does not make you happy.

Well, a 6 in the lottery would make me very happy

A lottery win, for example, is very comforting, but it does not make you happy.

Well, a 6-win in the lottery would make me very happy

if you understand what is meant! I would be surprised if it were so

Well, I just can't be as intelligent as you, so Zen or Feng Shui isn't enough for me, only cash will do.

I also find it important to build something of your own. For us, without any support from the parents. Some couldn’t, others wouldn’t even have dreamed of supporting their children (it’s possible that any need for help in old age will then be responded to accordingly, but that’s another topic). But building something for yourself doesn’t necessarily have to happen through saving; it can also happen through paying off in installments, or at least waiting and saving was not exactly the right approach in our case. Since then, real estate prices have skyrocketed and the property transfer tax has almost doubled, from 3.5 to 6%. We wouldn’t have been able to save for that. So I don’t find it objectionable to "treat" yourself to something right away and then pay it off in installments, as long as you stay within your financial means and also forego things when it gets tight. But everyone has to figure that out for themselves.