Is the financing volume for our construction project realistic?

Pool I would only get once the kids can swim anyway

You can only agree with that. My ex has a pond... The little one almost drowned there once. I turned my back for a moment and it happened. I immediately pulled her out. But it was quite a traumatic experience. You don't need that. And with three non-swimming toddlers who seem to scatter in four different directions... That's hardly manageable to supervise. Very dangerous.

You can only agree with that. At my ex’s place, there is a pond... The little one almost drowned in it once. I turned my back for a moment and it happened. I immediately fished her out. But it was quite a traumatic experience. You don’t need that. And with three non-swimmer toddlers who seem to scatter in four different directions... That is hardly supervisable. Very dangerous.

With small children, I would always fence off a pool.

There are many ways to secure a pool. That is not a problem. A garden of this size can also be "easily" managed (e.g. robot, lawn...). I see a certain imbalance between the house and the exterior. I don't think one restricts themselves so much inside. That means it will be more expensive. I also find the equity ratio too low compared to the income. I would rather continue renting, keep saving, and then buy an existing property when the market crisis arrives. You can still build a pool then. I don't know which industry you are a CEO in, but it's not easy anywhere. Personally, I wouldn't take this adventure. But it is doable.

Cool maybe, but economically it would be pretty stupid to pay that much tax for such an old car.

It’s not a T5, but similar. Taxing the T5 at the list price would really not be good, but it definitely makes sense for me with a new car. Due to the taxation, I have almost 400 euros less net per month, but with the leasing rate, maintenance, insurance, broadcasting fees, tires, and fuel, monthly costs amount to about 1,100-1,200 euros, which the employer covers. The difference remains as a cost benefit, and what is hardly payable is the feeling of being mobile at any time and not having to worry about the later risk of disposing of the car. In the past, I used to think very carefully about whether to drive 20 km to a store and how to combine it sensibly with other things to use kilometers and fuel efficiently.

You can only agree with that. At my ex’s place there is a pond... The little one was almost drowned in it once.

The tendency probably now leans toward the pool in order to keep costs under control. If not, the pool definitely gets a cover. That is also our experience from the three years with a pool that did not have one. The cover keeps children and dirt (leaves, insects, etc.) out, but retains the water temperature. Without a cover, it doesn’t make sense. Attached is an example photo; you can even keep the cover closed and still use the pool because it is >2 m deep. There are also nicer systems without the one-sided guide rail, which seems somewhat sensitive to dirt.

One should keep in mind that the expensive part of the pool is not the purchase but the maintenance...

But I think you have received enough input. Ultimately, the decision is yours...

In the past, I used to think very carefully about whether to drive 20 km to a store and how to reasonably combine it with other errands to use kilometers and fuel efficiently.

This argument really makes me hopeful that the Greens will actually get a majority and that the nonsense with company cars at everyone’s expense will simply be abolished.