When the dream of the house bursts

, you’ve misunderstood something. I admittedly chose the wrong stylistic device of exaggeration for an internet forum. I get really annoyed when people who obviously think a lot about money (which I personally find very strange) morally judge others who, for example, finance a wedding or a vacation on credit. Then you get comments like “I literally saved up for my first kitchen by cutting back on food, when will you finally learn how to manage money?”

That’s arrogant. That may be your way and the way many people handle money, but it is not the only right way. Other people have just as much right to take out a consumer loan to afford nice things in order to improve their well-being. As long as they can pay off the loan, everything is fine. There’s nothing wrong at all about that. But that’s how you act.

I know that I am in a very comfortable financial situation myself, and that I am better off than many others. But it is not important to me to create any sustainable assets. What matters to me is that my family and I are doing well. Back then, we bought our house with no equity; we still finance our cars today because we simply haven’t saved much capital. So what? We can comfortably pay the installments, it doesn’t hurt anyone, and we feel good about it. I have something against people like you trying to convince others that their (and by that you mean my) way of handling money is somehow wrong. I work for my money, I get to decide what I spend it on. And people like you shouldn’t care whether I save forward or backward. As long as, in the end, my life balances out at plus or minus zero, I have done everything right. And above all, I have enjoyed my life to the fullest and enabled that for other people as well. That is much more important to me than being the richest dead person in the graveyard.

Cool, some call it "debt," others "financing." The latter also sounds more sophisticated and contemporary. Also somehow busy, modern... The others, they have debt. They don't get a foot in the world... And then the discussion in connection with dignity and values ... What values are actually imparted in the parental home? Since we are already a bit off topic

"Backward saving"

"Backward saving"

That is then the conservative option [emoji2]

What values are actually conveyed in the parental home?

yes, I wonder that too. For some, the "right" handling of money seems to be a priority. I and my children were raised so that taking care of oneself and others, care and well-being, as well as respectful treatment of people and nature, are the focus. My children are the kind of people who always make others feel special; they are equipped with high emotional intelligence and are very socially well integrated. I would say everything was done right.

That is then the conservative option [emoji2]

What is the problem with that? Is anyone suffering from it? Does it cause pain to anyone? Is anyone disadvantaged by it?