Securing construction financing

There is an RLV for me as the main earner. The amount is enough for about 15 years to survive without me, after which the house would probably have to be sold. The children will be independent by then and the wife will have to support herself.

How do you remain the main earner if the wife is no longer there and the children need care? You can only be the main earner because the wife enables this by taking care of the children. If she is no longer there, you have a problem too, don’t you? Why isn’t the wife secured in the same way? I somehow don’t understand this logic.

How can you remain the main earner if the wife is no longer there and the children need to be cared for? You can only be the main earner because the wife enables this and takes care of the children. If she is absent, you have a problem too, right? Why isn’t the wife secured in the same way? Somehow I don’t understand this logic.

Through flexible working time models and childcare services. So exactly as it is already today.

Your assumption that you can only be the main earner if someone else steps back is wrong. Those times have long passed.

Through flexible working time models and childcare services. Just like today already.

Your assumption is wrong that you can only be the main earner if someone else steps back. Those times have long since passed.

Even if no one steps back, it is still a difference whether the workload is shared or whether, in addition to work, full childcare and the entire household burden rests on one person.

Of course. I only wrote how it is with us, not how it must be with others/everyone. Everything is (externally) compensable. Washing clothes and cleaning the house do not necessarily have to be done personally. Alternatively, hours could also be reduced.

I simply have no need for a one-time payment if my wife dies prematurely. Therefore, there does not need to be any RLV on her. For me, there is one because of the income gap. Without me, there would be no house, and without me, there will not be one either, or as a temporary solution, there is a one-time payment. This is not meant to give someone a paid-off house as a gift, but to (generously) soften the blow until one has reoriented oneself.

I see it a bit differently. When something horrible like that happens, it is an enormous burden for the family and especially the children. If they then have to go quickly and preferably full-time into external care because the house still needs to be financed, that is pretty tough for the children. I just wonder why you don’t invest a few euros a year to simply not have to work so much in case of emergency and be there for the children. And honestly, I think many men imagine it too easily what all has to be done at home. Either you want to basically do two jobs afterward, namely your wife’s and yours, or something gets neglected...

I see it a bit differently. When something so terrible happens, it is an enormous burden for the family and especially the children. If they then have to be placed in full-time external care quickly because the house still needs to be financed, it is quite hard for the children. I just ask myself why one doesn't invest a few euros a year to simply not have to work so much in case of emergency and be there for the children. And honestly, I think many men underestimate what needs to be done at home. Either you want to do basically two jobs afterwards, namely your wife's and your own, or something gets neglected...

To what extent do these problems not arise with 100,000€ on the table then? Change is inevitable in any case. Although, as I said, the children are already cared for full-time. And for me, there simply is no financial risk.