Salaries, A6 and other unknowns

That has nothing to do with employee/entrepreneur. The amount of the savings rate depends solely on income & expenses. If I am studying first, then I simply come into the single-family house at 40. The employee maybe already at 30. But the graduate then might be finished paying earlier and has a significantly better income "at the back end." Whoever as a graduate "only" earns 3000 net... -> open your eyes when choosing your degree or just accept it and live modestly. With 3000 EUR net, I would probably also be fine as an IT specialist (3 years of training... no degree, no high school diploma)

You are really super arrogant and probably have no idea about normal employee life at all! And you probably don't have any employees either, or does everyone earn over 3000 net with you? Or are you not aware of the difference between gross/net?! Employees earning 3000 net are among the top earners, and even with a degree there are no 3000 net earnings in industrial-poor areas, not even as an engineer...

A LOT OF OFFTOPIC: For 30,000 EUR a 2..3 year old A6 Have fun...then it has 200,000 km or what? Hope you can/want to pay for the maintenance too. 2..3 year old A6 in good condition are traded for 45k to 55k.

Have you considered that I might possibly put in my current car? It is currently a pretty new A3. For 35,000€ there are nice A6 with well under 100,000 on the clock. So what if it is 3.5 years old?! And maintenance? If I can save 500 euros just for the next car right now, I will be able to maintain the car too.

Such nonsense... always this pointless argument. We've had this x times. The difference is: You shouldn't build a single-family house with zero equity! You need equity for the conditions and so that more of the house belongs to you right from the start and you are in a better position right from the start.

Maybe, 10 years ago that was still quite speculative. But the fact is that for several years houses have become much too expensive thanks to state insulation nonsense and can only be maintained because of the low interest rates. And that was not speculative but completely clear. The additional costs for more insulation will not be recovered in 5000 years and are, like the energy transition, a waste of money at the expense of the citizens.
But as an entrepreneur, where anyone earning 3000 net already belongs to the ridiculously low earners, that is no problem.
But the average full-time employee (40-hour week) earns somewhere between 1600-1800€ net per month. More graduates might appear in the construction forum, since the average "commoner" with 1x1600€ + 1x part-time 1000€ can no longer afford a house. Most people fall into this range.
The always published average income is completely worthless because the value is highly manipulated and the conditions are not indicated at all. If you were to exclude the top and bottom 5%, you would get a much more realistic value. And that would probably correspond more to the median, which is exactly in the stated range.

Aha... the really rich people (I don't count myself among them) I know all come from the moon? None of them are dishonest, anyway. What rubbish... who told you that? An 8th grade graduate helper construction worker? Did he pour his heart out to you... how unfair the world is? Luckily we don't have such "bright sparks" on our construction site.

Nonsense! An employee earning 1600 net cannot become rich this way. The contributions to the state are simply way too high. The ratio of own net to paid skilled worker hours is not in any relation. Even an engineer barely earns more than 15€ net per hour, but the plumber who services your boiler every 2 years costs 150€ per hour of work. So the engineer has to work over 1 day just so that the plumber works 1 hour for a service. If the same plumber came after work, he would get 50€ under the table. The plumber, who normally has 10€ net per hour (even though he cost 150€), suddenly gets money for over half a day, and the customer saves 2/3. And the service is still the same. (Except for warranty, which with invoice in most cases is not worth the paper it is printed on + with the saved 100€ you can fix any possible errors yourself.)
And THAT is EXACTLY why moonlighting is so widespread. The state does not really like that, of course, since it is the main winner and feels cheated when it is circumvented. (Who wouldn’t?)

and you probably don't have any employees either, or does everyone earn over 3000 net with you? or are you not aware of the difference between gross/net?! employees with 3000 net are among the top earners.

90% of the employees I am responsible for are ordinary employees and earn over €3000 net. I wouldn't call them top earners now, although they are certainly above average. If the partner also works, a house is usually possible, but otherwise I see relatively few Porsches and co in the parking lot.

The problem with all these income stories, as with house size and equipment, is that everyone declares themselves the standard. Whoever has more is either snobbish, doesn't actually need it, or, as in Payday's worldview, even criminal. And people who have less and plan ahead are then looked down on with a smile. A genuine exchange of opinions and experiences then becomes difficult.

Otherwise, in my opinion, your posts could certainly not hurt from a bit more respect and politeness.

Now I don’t dare to come out as a top earner at all. And I’m also "only" in the middle with us. What is considered the upper half?

Is the top half top? What are the top football clubs in Europe? The best 16 of the CL? Or just the top three or four?

: I am too tired today for a detailed answer. But I will gladly do it tomorrow. Just this much in advance: You urgently need tutoring in business administration and economics. Your arguments and conclusions are quite mistaken...

Gn8

I am there at payday:

average gross salary of German employees in the year 2016:

41,000 euros gross. However, many employees do not reach this salary threshold by far, while others earn significantly more. Those who count as average earners with around 41,000 euros have about 2,000 euros net in their pocket each month and come to 24,000 euros net over the course of the year.