Salaries, A6 and other unknowns

If you end up with 41k in tax class 1 as a single person, you are a) at the beginning of your career, b) have a poor degree or have negotiated badly, c) have neither motivation nor ambition, or d) have a miserly employer. For every employee (whether educated or not), there should be at least a 5 in front medium-term.

If you are single in tax class 1 with 41k

What does gross income have to do with tax class? In the end, you only get 24,000 net.

For every employee (studied or not), there should be at least a 5 at the front in the medium term

The great thing about an average value is that if someone has a 5 at the front, there is also someone who only has a 3 at the front.

b) has a poor degree/or negotiated badly c) has neither motivation nor ambition or d) a ridiculously stingy employer

*shakes head*

If you end up with 41k in tax class 1 as a single, you are a) at the beginning of your career, b) have a poor degree or have negotiated poorly, c) have neither motivation nor ambition, or d) have an incredibly stingy employer. For every employee (studied or not), there should be at least a 5 in front in the medium term.

You are out of touch with reality!

: Your conclusions from a) to d) are already a bit extreme and certainly far too general. In particular, "there should be at least a 5 at the beginning in the medium term." I would also call that unrealistic. There are many very important professions where there will never be more than a 3 at the beginning.

To clarify one thing here: I am not criticizing low incomes!!! Or did I write that somewhere? My criticism is regularly only directed at people who practically "whine" about their income and thus, for example, do not explain existing equity capital. There I say "keep your eyes open when choosing a profession." I take my hat off to everyone who really does their job out of passion alone and completely independent of the possible salary. Right at the forefront is my wife as a kindergarten teacher in the public sector. Modest income but totally happy with the job. I think that’s great. But it’s not my path... I already said as a child, "I want to earn A LOT of money later... so much that I don't have to think about it anymore." So far it hasn't worked out... but I still have a bit of time.

you are really incredibly arrogant and obviously have no idea about the normal employee life at all! and you probably don’t have any employees either, or does everyone earn over 3000 netto with you? or are you unaware of the difference between gross/net?! employees earning 3000 net belong to the top earners and even with a degree you can’t earn 3000 net in areas with little industry, even as an engineer...

If anyone here has no idea, it’s probably you. 3000 EUR net per month is about 65k gross per year and that is DEFINITELY not a top income. Of course, it is a very good income and well above average. But I have spoken about “graduates.” Everyone I know who studied started with around 30,000-40,000 in their careers here in the East. After 10 years that should be quite a bit more… after 15 and 20 years definitely!!! Besides, this forum is about homeowners. Just do a survey about income. I bet: The income of the homeowners here (especially the men) is also well above the German national average. I will gladly abstain from voting so as not to distort the result.

My statement that the savings rate does not depend on whether I am employed or self-employed, but solely on how much income and expenses I have, is of course correct as well. You’re welcome to continue arguing and presenting completely false arguments.

but as an entrepreneur, where anyone earning 3000 net already belongs to the laughably low earners, that’s no problem.

Where exactly did I write that?!!!!!!!!! Please show me the passage!!!! I don’t judge anyone by their income! Why do you accuse me of that? I will simply assume that you have a huge problem with my income!

but the average full-time employee (40-hour week) earns something like 1600-1800€ net per month. more graduates may appear in the construction forum because the average “joe” with 1x 1600€ + 1x 1000€ part-time can’t afford a house anymore. most people fall within this range.

That may be statistically true. But this forum is about homeowners and I would like to remind you of the origin of the discussion: “no equity due to income.” Hello??!!! So what? Then one should have learned something else or simply cannot build! It’s as simple as that. There is no expectation that everyone has to build/buy a single-family house etc. Many people are perfectly satisfied as tenants.

nonsense! an employee earning 1600 net cannot get rich that way

Oh, same old story… so WHAT? Maybe not every employee earning 1600 net wants to get rich or live in a single-family house? Maybe the employee is happy with that salary because the work fulfills him. That’s great. I also believe that many professions are underpaid and the minimum wage is far too low. I’d rather see 14 or 15 EUR minimum wage! But that basically has nothing to do with this discussion here.

in addition, the deductions to the state are simply way too high. the ratio of one’s own net compared to the paid skilled worker hours bears no relation. an engineer himself earns hardly more than 15€ net per hour, but the plumber who services your boiler every 2 years costs 150€ per hour. so the engineer has to work more than one day just so the plumber can provide one hour of service. if the same plumber came after work, he’d get 50€ in hand. the plumber, who normally earns 10€ net per hour (although he cost 150€), suddenly gets paid for more than half a day, and the customer also saves 2/3. and the service is still the same. (except for warranty, which in most cases isn’t even worth the paper the invoice is printed on + with the saved 100€ you can fix potential errors yourself.) and THAT is exactly why undeclared work is so widespread. the state obviously doesn’t like this, as it is the main winner and feels cheated when it is circumvented. (who wouldn’t be)

Oh God… that is completely adventurous and then the evil, evil state on top of that. The moment you lump hourly earnings with the payment for commercial services, the discussion is over for me. Learn some basics in business administration and then we can continue the discussion here. Regarding undeclared work, please study the basics of economics.

Steffen

Raising the minimum wage is pointless, it only increases purchasing power and that in turn is a price driver.