I wouldn’t think too much about it, just pay. Just to put it bluntly. You simply need one and then you don’t have all the stress. Just consider it as fixed costs.
I think you are right. I should save money somewhere else and not where it is actually not possible. I also don't want to have any stress later just because I wanted to save money in the wrong place in the past.
yes exactly. Now I find your speaking already much better. That's how it should be. Especially when building a house, you shouldn't save in the wrong places, otherwise you might regret it for a lifetime