Proactive financial planning

That would be roughly 500€ or 1000€ together per month that we would have to invest at least. Quite intense

Yes, as intense as it sounds, it is true. You can calculate which installment you need to repay the possibly necessary loan in 20 years.

Ultimately, it also has something to do with how much I want/have to save, because actually I don't need much money to live on right now.

You should simply save as much as possible. Especially if you don’t need much money now, you should put aside a lot of money.

So basically, this thread is about formulating target goals and deriving a realization savings plan from them.

Goal: Save as much as possible for the next 10-15 years. Then you can see what you do with it. Unfortunately, your starting position is not so optimal. I am also just 30, my wife mid-20s. Despite having a master’s degree, we had already built up a decent amount of equity before construction started.

What will happen in 10 or 15 years is completely uncertain. Presumably, we won’t even have the euro anymore by then. Just save as much as possible and don’t think about it any further. Currently, your combination of equity and income is unsuitable for a single-family house. Unless the income increases significantly, this will remain the case. The massive increase (50 EUR per year per sqm) in construction costs and land prices makes any calculation obsolete. Alternatively, play the lottery :)

The chances in the lottery are even smaller than in saving. Maybe the rising costs will level off, the construction boom cannot last forever. But at least Germany is one of the countries with a low home ownership rate, maybe that will change someday.

I have been reading here on and off for quite some time and you learn an incredible amount. :) Now I do have an individual question to plan my project as foresighted as possible and would like to have opinions and tips on that.

I will turn 30 this year, am still studying (M.A.), but have been self-employed in various fields (new media) for many years. I have been with my girlfriend for 12 years now, which is certainly also due to the fact that we have similar ideas about the future, like children and a nice house.

I find it absolutely great how strategic and forward-thinking you approach the matter. Both thumbs up for that! How your/your joint income and further life will develop over the next 10 years to achieve your goals is of course completely open. But it is important that you keep your goals in mind. No one can predict what will be in 10 years. For example, whether home office will dominate and everyone will work networked from home (e.g. in rural areas) or whether rural exodus will continue and prices in metropolitan areas will rise.

In any case, you are doing it right, planning early where you want to be in 5 and 10 years and saving what you can for it. The rest will fall into place.... Maybe with your saving rate you can then get a bargain at a forced auction of a 130% financing just closed these days ;):)