Own property right from the start? A beginner needs straight talk...

Then the funds can be quickly turned into cash there you have your equity

The crucial point has already been asked three times:

Does your wife work?

If yes, great; if no, then you can still afford the house, but in the event of a divorce, you start from scratch again and the house is gone. ... only about 45 percent of marriages end in divorce ... ; and if you work 60-70 hours, you will have quickly drifted apart. That is not a long-term lifestyle for you!

So make sure your wife gets moving too.

If yes, great; if no, then you can still afford the house but in case of a divorce you start again from scratch and the house is gone. ... only about 45 percent of marriages end in divorce ... ; and if you work 60-70 hours, you will quickly grow apart. That is not a sustainable lifestyle for you!

Not the same old story. If you factor in divorce, then 95% of homebuilders wouldn't build a house. If both earn the same amount, it's usually not enough for one to take over the house completely and pay the other the equity invested.

I'm a bit old-fashioned when it comes to finances. That means I actually don't like loans. Either I can afford something or I save up for it until I have the necessary amount. (When it comes to the car, I made the only exception.. oops.) I also always need a certain "safety cushion" in my checking account at the end of the month. Otherwise, I sleep poorly. I've only ever overdrafted my account once in my life (by €50). As I said, pretty old-fashioned.

If you keep your feet on the ground and only finance "major projects" (car, house), you already have very good conditions for a successful construction loan.

... in the case of a divorce ....

You might very well believe that in the case of a divorce the house usually has to be sold, but is completely right.
Almost no one here would build - all marriages could fail.

The same applies to financing: Very often there are salary differences between spouses, so that in the event of a long-term job loss of one partner, the other cannot afford the installment alone. (for me this would be the case if I lose my job - my wife could NEVER keep the house alone - but the other way around it works). Should everyone then bury their wish for their own four walls? Then probably 75% of all owner-occupied houses would never have been built.

I’m not saying that!

Here someone is asking to have their rose-colored glasses taken off.

Regarding remote diagnosis (60-hour week) and planned children, I am pointing out certain connections – nothing more.

Maybe the OP will soon take a part-time job with 40 hours and his wife will compensate the rest to the previous net income.

Large disparities occasionally lead to disaster. I wish that on no one, and a prenuptial agreement might also help – but in the rose-colored phase, a man usually sees no need for that.

I don’t want to discourage the OP – he will do it! But maybe I can create a certain awareness so that he doesn’t look back after 10 years of life and analyze his past mistakes.