Saving or building, which is more sensible?

His lifestyle is none of our business. Whether his numbers are correct is none of our business. What his bank says is none of our business. --He wanted advice whether to build now or later. I gave it. End—for me. Karsten

But you do know that the tax class does not decide who pays how much tax? We all pay taxes equally! Even I, as an entrepreneur, without any tax class. It doesn't matter at all which class you are in! At the end of the year, the total amount is exactly the same. The tax class only determines the amount of the installment.

I’m talking about bottom right – nothing more and nothing less. I have worked my life with enough women in TC 5: mostly part-time jobs, starvation wages or small salaries as workers or employees: and many said that when their TC was changed, they have long cried and swallowed internally. There is no sense of value left. If the appreciation in the social environment is not exactly perfect, dissatisfaction arises: no matter how many wise words the husband with TC 3 uses. It remains a shit of what one contributes as a woman.

Yvonne, you may have felt that way, but objectively it is as Steffen says. I 70 p.A., wife 30 p.A., logically we choose three and five, what else. She is heavily taxed in the process. Income tax return, I will do it with her around February. Together we have 100, from which we deduct what we can write off, taxable will remain about 70-75 according to the splitting table. Will result in sum x. The office will offset this against what both of us already paid in the year 18, that was our advance payment. From human experience, that was significantly more than what we now have to pay together according to the splitting table. Ergo, there will be a nice refund, her conservatory is getting closer. Karsten

You also have to increase your income. If the loan installment exceeds 50% of the net income, there will be problems. And don't believe that if you are so insistent, your girlfriend is allowed to become a co-owner.

I'm talking about bottom right - nothing more, nothing less. I have worked with enough women with SK 5 all my life: usually only part-time workers, minimum wage earners, or low-paid workers or employees: and many said that when SK was changed, they had been crying and swallowing their feelings inside for a very long time. There is no sense of self-worth anymore. If appreciation in the social environment isn't exactly perfect, dissatisfaction arises: no matter how many wise words her husband with SK 3 uses. What a woman contributes remains insignificant.

What counts is what remains net per year, not what is displayed monthly at the bottom right. If a woman fails there mathematically... some tutoring regarding math/taxes might do her good

If a woman fails at the math...maybe some tutoring regarding math/taxes would help

Usually, it's not the women who fail at this, but the men. They then think their job is more important because they earn more money. This is then used as a reason why the woman should take the child's sick days, why the man can't leave work on time to take care of the child after school, why he can't work part-time, and so on.