Question regarding the feasibility of financing

Our grandparents after the war had it the hardest. They managed everything with their own hands and gave up a lot. Houses huge but simply furnished. Whereas our parents with construction years from the 60s had the best opportunities. Very well-paid jobs, low prices, and support from their parents. Huge houses with good equipment were built despite vacations. Only one person had to work back then.

Generations today have more luxury, but much smaller houses and both have to work full-time. Leisure time gets lost.

That’s why I believe we need to move away from 40 or 35 hours. I think a 25-hour week would be appropriate with partial wage compensation. Companies don’t need as many workers anymore. Instead of cutting jobs, working hours should be reduced.

Since we have no inflation and money costs nothing, the state can massively subsidize.

I assume you are talking about a condominium? For €3,600/sqm you nowadays simply don't get a condominium in a metropolitan area, rather calculate €6,000 - €10,000/sqm. At least that's the case here near Mainz/Wiesbaden/Frankfurt. You simply cannot finance that healthily with your income. Vacation can also be done in many different ways. I will now assume that you haven't taken your children on 10 days of skiing in Tyrol every year and 14 days of long-distance travel to the Caribbean or SE Asia (or similar) in summer. With a low budget, a maximum of 10 days per year in Turkey or Italy is possible. Sure, for some that is enough. But if you want to see more of the world, you need a bit more budget. And it is actually the case that with €5k net income you are not a high earner in any of the aforementioned cities. There are also plenty of statistics to prove that. So they are not complaining without reason, at least when it comes to ownership and real estate prices.

Beautiful thoughts. We actually lived like that during parental leave. But of course, there were limitations. We complement each other really well, especially since I actually contribute the largest share. Currently, we manage with 100% and a 75% position. If the high daycare costs weren't there, we could reduce a bit more. It annoys me this self-evidence "the rich will always stay rich and complain." Our grandparents would never speak so disparagingly. Gratitude is becoming less and less. I really find it sad that one still has to worry with such a high income.

I have the feeling that you take my questions as an attack. I am just trying to get information. No one should feel attacked.

5TEuro is nothing in Bavaria. You can forget about a house with that. No chance!

But that's a matter of attitude. People who feel poor with 5k€ come from a family where money often didn't play a role or are from a generation of inheritance... We are happy and I just wanted to say that with our income we were able to afford an apartment for 380k€ and we still don't have that much money. Most probably drive fancy cars, have several loans running, etc...