Situation in the real estate market... madness

What’s the use of these generalizations? For concrete numbers, there is concrete help, even here in Finanzfred, and there people tend to advise against things too often. I just don’t find it productive not to differentiate. E.g. 2 cars = 1000,- / month. We both commute and together we have (yes, including proportional taxes and so on...) 500-550 euros. And now? Insurances are the same. And so on and so forth. You really have to look at each case individually to give correct advice; before that, it’s just speculation and assumptions.

Hi Matthew, well, we are all talking here about a large number of people who are affected by the majority according to every individual opinion here. If you really believe that every time you have to differentiate, then you should generally stay out of 90% of the threads here. That can’t and shouldn’t be the case. We’re just talking, sharing experiences, and exchanging ideas. I DON’T have to be right! On the contrary. I’m happy if someone points out mistakes in my thinking. But we can’t talk about every single person in detail in such a thread here…. And to answer your question: Well, generalizations in the context we find ourselves here can, if applicable, help people who are currently wondering whether or not. They can consider the generalizing statements in a differentiated way and possibly use or exclude individual aspects for themselves. If you want to know everything exactly and personally for yourself, then you have to go elsewhere. For example, to a financial advisor and a psychologist. Then you’ll know exactly what, when, why… (“Then” can possibly also take longer).

Well, with the 1500 annuity, about 1100 euros should go into amortization as a forced savings rate. This part thus builds assets and should be noted as a savings rate of similar size in the tenant household for comparison purposes. Only: the homeowner MUST do this, the tenant CAN save this additionally. Then we would be back to 4900 euros in your last example. However, the tenant will not do this (experience)...

In old age, the difference of this forced saving definitely becomes noticeable.

In old age, you definitely notice the difference this savings compulsion makes.

Understood.
But in old age, you also very quickly realize what you definitely should have done differently when you were young.

Life does not consist solely of the years from 65 to 87.
But apparently, this is where various opinions here differ...

My view is: The journey is the goal. And I want to take this journey as comfortably and relaxed as possible.

which, however, does not change the fact that you are comparing apples and oranges here. naive calculation.

There are other disadvantages to ownership than those you outlined, but you talk yourself into the latter as it suits you.

As for the 1k for 2 cars, I got the figure here from the forum, where 500EUR/car is constantly mentioned. This value then includes everything related to the topic of cars. If you now start and say "but I only pay 150,- because I got the car as a gift," then we can also assume that the person has to pay off the deceased parents' debts of 150k for it. (Of course nonsense). That's why we assume that you have to acquire everything new/used.

With 5K net, company cars as a first car should be quite common, that costs almost nothing anyway. And the second car can then be a small and inexpensive pure commuter car. Otherwise, 500 is realistic, yes. 1000 for food: destatista says on average 14% of net income for food, restaurants, drinks, and tobacco(!). So rather 700 euros.

but that does not change the fact that you are comparing apples and oranges here. Naive calculation.

There are other disadvantages to ownership than the ones you outlined, but you only talk yourself into the latter as it suits you.

Of course I am comparing apples and oranges. A single-family house is simply something different from a rental apartment.
It can’t be done otherwise.

Single-family house in Hamburg-Bramfeld with 120 sqm for 600k
Comparison with
Single-family house in Hamburg-Bramfeld with 120 sqm for 600k

What is that supposed to achieve?!

And what my example calculation has to do with a naive calculation, you will surely be happy to explain to me.

Sure, it’s not an exact calculation that applies to everyone. But it’s not that bad. I mean, it’s quite realistic, isn’t it?! If not, just tell me the naive points. Then we can talk about it...