Saving or building, which is more sensible?

@Gohst thank you for your helpful contribution, that really helps me a lot. Many thanks again.

A big thank you for the equity I dedicate to my parents because in my eyes they raised me very well and taught me how to handle money properly and not live in full consumption which is completely unnecessary. Who always needs the newest car, phone, apartment, etc.

I never said that building helps against it. I merely pointed out my perspective on why MAYBE THE MONEY COULD DIE OFF. And before that happens, I prefer to start building.

Approximately 16 years. So, 1.5 decades.

No, I haven't been on the bench yet. What would I do on the bench?

Well, your equity simply isn't enough to finish building the house

MAYBE THE MONEY COULD PERISH. And before this happens, I prefer to start building.

If a situation should arise where the money goes completely downhill; then property owners will also be held accountable.

Law on Burden Equalization from 1952 might be. At that time, redistribution occurred in such a way that those who retained significant assets (especially property owners) had to pay half of their assets as of June 21, 1948, into a compensation fund in 120 quarterly installments, distributed over 30 years.

2000 net and 1710 saved...respect!

You have the best conditions. The case of a lot of equity but rather "normal" income is rare.
Nevertheless, I consider the idea of building now as not sensible. You yourself say that it actually doesn’t fit. What you could save later or get advantages from if you had more time and leisure you won’t make up for today in any way.

A half-finished house? You know yourself that it only causes problems. Your real argument is your "German Angst."
You shouldn't believe everything you read. In the 90s, the "Club of Rome" claimed that oil would run out sometime in the early 2000s... the only reason for shortages at the gas station is low water levels in the Rhine.
But you already said the solution yourself...buy gold. It goes up. (Always a question of the timeframe you look at.)
But don’t be surprised if suddenly, strangely enough, you end up having less.

By the way...some say you should have debt when money dies...

By the way....some claim you should have debts when money dies..

Also not a good idea. It has happened before:

“Revaluation Act” like in the year 1925. At that time, mortgage debts from the Weimar Republic were subsequently revalued. Those who were happy to have gotten rid of their liabilities were held accountable again two years later.