Saving or building, which is more sensible?

I have to add: For the model that we drive at home, only 4/4 makes sense. But we would do it that way after marriage as well. And as I said: No Kids

I have to add: For the model we drive at home, only 4/4 makes sense. But we would do that after marriage as well. And as I said: No Kids

We'll talk again about more kids

No kids is safe. There are biological limits that we cannot exceed.

And regarding controlling: Can marriages also fail due to very different consumption habits when there is a joint account? Just to bring the OP’s situation back into focus. Here this possibility is more likely than elsewhere, because of his frugalism.

It's very simple for us: My wife gets 1000 EUR pocket money per month for personal shopping (no own income anymore due to no parental allowance). Everything else goes from the joint account. Done. Otherwise, my wife has full account authorization for all accounts (however, I don't have any for her account... no idea why).

I see no social competence in this frugal life, and therefore no need to make decisions regarding tax classes.
My advice: live properly for once, go out for a good meal, take your girlfriend out, give her and yourself some gifts. Treat yourself.
A good vacation to relax.

Instead of autisticly chasing a dream, building a house with your own money by 30.
What do you want to do with the house? You can’t really live in it – somewhat out of touch with reality, you wander through empty rooms with everything...

Being out of touch with reality fits very well. Start living. Wait another 5 years. See where things go with the girlfriend. Grow up. Then build.