Saving or building, which is more sensible?

The problem with 30-year-old guys is like my generation that raised their children. Pashas at Hotel Mama, driving license paid for by grandma and grandpa, Playstation, PC, cell phone, Australia trip, class trip to Rome, etc.... all without having to pay a single penny.

You are really talking nonsense today! What’s going on? I am exactly that age and was not raised like that myself. I know many peers and only a few fit what you are saying. Just like before, there were rather fewer than more who were spoiled into pashas.

I and many others worked jobs or saved allowance instead of spending it for Playstations, new PCs, and vacations.

Never worked, never delivered newspapers, worked at McDumb or something, I don’t know why my generation did that

They probably did and they didn’t. Not more than before, at least. The changes are quite different.

Yosan, the problem with 30-year-old guys is how my generation, whose children they are, raised them. Pashas at Mama’s hotel, driving licenses paid for by grandma and grandpa, PlayStation, PC, mobile phone, trips to Australia, class trips to Rome, etc.... all without having to pay a single penny themselves. Never worked, never delivered newspapers, worked a stupid job at McDonald's or something, I don’t know why my generation did that, pampering them like that, and now they behave like that in marriage too. Tough luck. Karsten

Exactly, equity comes from grandma and I married a stupid, pardon naive blonde girl from simple circumstances who is only capable of working at HuM. Why should I give up my equity? Get her out of the land register.

Why should I give up my equity? Get her out of the land register

An intention is being assumed here that I cannot recognize in the OP. Rather, what is missing here is life wisdom and something like that simply hasn’t been thoroughly and fully thought through yet. It can still happen at 25. 10 years later, I would also be very critical.

chand, you may feel wrongfully targeted. But open your eyes.

Since this whole thing is already completely deviating from the actual topic:
Changing the tax class, as described by other users, does not result in a tax advantage but only a liquidity advantage for the married couple together!
When it comes to parental allowance, however, changing the tax class really brings real money!
For calculating the parental allowance, the net income of the party who claims the parental allowance counts.
Usually the woman. Therefore, it is advisable that the woman temporarily switches to tax class 3, even if she earns significantly less, and the man to tax class 5.

Your model results in a) a large tax back payment and b) 2 years of tax prepayments. This was the case for us. Therefore, please only suggest this trick if one can afford the positive parental allowance effect retrospectively.

Just as an example: Until recently, unused fitness equipment worth 2.5k was standing in the office for us. Now, after one year of non-use, sold at a loss (as well as one or the other game console, one or the other kitchen utensil, one or the other protein powder (was purchased in combination with the equipment), an aquarium that lived with us for 1 year, etc.)

I find your examples really amusing. Something like that can be easily resolved with "we discuss every purchase together." You don’t need separate accounts for that. We don’t have such things, neither a joint account nor unnecessary expenses.

But open your eyes.

What am I supposed to see? I dare say I know more about these people in their 30s than you do. Maybe a lot more. What you assumed are isolated cases. Maybe they gather up north because we throw them out in the Ruhr area?

I see very different things. A trend toward individualization that is slowly destroying everything organized in solidarity. An education system that teaches knowledge but no longer imparts skills. Those who have gone through it no longer deliberately disadvantage any partner; they are at most too stupid to think independently in contexts. That’s no longer taught.

And I see a generation of parents (now aged 35-45) for whom children increasingly have project status, and their own life balance depends on the success of the project. So the permanent condition: fear! They’ll drive their kids to the classroom in an SUV, no matter how many other children they run over in the process. And they all mutually confirm through their own behavior that the elbow society is getting worse and worse. These kids are still dependent in their mid-20s and then crash and burn in their jobs. But since they have lived wrapped in cotton wool until now, they never learned to get up. Falling was prevented by helicopter parents—every mistake is also a flaw in their own project "model child."

THAT is what I see when I walk around with open eyes.