Plan the house first and only then buy the land?

Wow not bad. Now I feel bad.

Definitely the property first! So much depends on it. And even though I always shout first that ideally you build before the child - with a child, many planned corners and stairs suddenly look quite different. Suddenly you’re tempted by a bungalow because the stairs get on your nerves or the children’s rooms are planned a bit bigger or there’s a playroom on the ground floor after all, and so on and so forth.
So feel free to look intensively for properties already. Your equity is a dream in that regard. Then calculate how your girlfriend (soon to be wife?) will work with a child. Make sure to choose the property also so that you can accommodate the child (daycare, kindergarten, school, sports facilities). Unless you have no problem constantly shuttling your child back and forth.

The other half of the equity comes from my girlfriend. But it could also be that she brings 300k or 500k equity, everything is open.

Wow, if your girlfriend is around the same age, two super-savvy savers have met, incredible how much money that is for such a young age

I can’t imagine how that’s supposed to work and at the same time I feel really bad because I seem to be the biggest wasteful person

One thing I can say: You’re not alone.

Always worked overtime. [...] Bonuses [...] In the industry [...] As a skilled worker [...] a high wage group that would make some academics wonder what they studied for. [...] good starting conditions in life.

I’ve mostly left that as it is from my perspective. By the way, that in no way diminishes your achievement! Impressive! And, well, I really don’t earn badly now, but ... studied “forever” before, now “trust-based working hours.” If the (young) engineer is at the company on weekends, that’s already paid. His foreman earns a ton of money during that time. In the end ... Well, I’m not complaining, it’s all okay! The “good start” complements that ... Of course, not everyone has that ...

By the way, I still maintain that the house could be a bit more modest. You should also diversify your assets a bit ... The really tough ones would now build a duplex and rent out the second half.

The really tough ones would now build a duplex and rent out the second half.

The really tough ones would buy apartment buildings with their equity and pay for their personal palace out of petty cash in 10 - 15 years.

No, seriously: impressively determined. You should also treat yourself to what you really want. Regarding the size of the house, I have said everything and I agree with Bieber0815.

. The "good start" completes that then ... Of course, not everyone has that ...

That is probably one of the decisive points. Free housing - grandma's car. Well-paid job. - What most people only achieve at around 40 was already the starting point here at 18. Apparently, an upbringing towards thrift and diligence – everything done right, I would say.

By the way, I still maintain that the house could be a bit more modest. You should also spread your wealth a bit ...

Yes, over several houses. For example, the additional holiday bungalow on the Baltic Sea. But...

The really tough ones would now build a duplex and rent out the second half .

not something like that!

I would go into stocks, much less work than owning real estate and more diversified. But whatever, that's not really the topic ... Although ... In what form was the savings made? How is this capital currently held?