When the dream of the house bursts

Doesn't help the OP either. What I would be interested in is, you mentioned Ing and 2,500 net / month together.

First of all, thanks for interrupting Stivikivi's self-promotion madness. It was so embarrassing that I almost had a vomit bag ready. On the topic: I also think that maybe just a little push towards a career is missing here. At 33, one should tackle it now. That is a good age to really get started. Maybe you can still negotiate something or complete further training or perhaps become self-employed? Now is the best time to explore what is still possible in life. You don't have to turn everything upside down right away. But gathering information and getting advice, I would definitely do that.

First of all, thanks for interrupting Stivikivi's self-presentation madness. It was so embarrassing that I almost had the puke bag ready.

On the topic: I also think that maybe just a little push towards a career is missing here. At 33, you should tackle it now. That’s a good age to really get started. Maybe you can still negotiate something or complete further training, or maybe you start your own business? Now is the best time to explore what is still possible in life. You don't have to turn everything upside down right away. But gathering information and getting advice is definitely something I would do.

I changed employers for the first time after my studies 2 years ago (at 34) and it’s true what (almost) everyone says, the biggest salary jumps over time only come through changing employers.

So just be brave, look around, apply, and practice selling yourself. This will definitely help you move forward.

Good luck with that! And my respect that you were able to pay off such a large amount. That says a lot about you and your down-to-earth attitude, which is needed for a future house-building project *top*

4800 net?! Yeah, right. I also work in the chemical industry and am on a first-name basis with our shift supervisors. No one earns that kind of money, even with a nice shift allowance.

By the way, a little story: Yesterday we met our neighbors who are building a semi-detached house. I presumptuously guess that the two of them together earn as much as I do alone. So the dream of a house had to be approached a bit "smaller." 130 sqm. Completely enough.
My parents built just under 120 sqm (not counting the usable basement) and we two kids lived with them for a while. It was quite relaxed.

Don't make fun of the boy. It's not his fault that he can't distinguish gross from net!

I changed employers for the first time after my studies 2 years ago (at 34) and what (almost) everyone says is true, the biggest salary jumps over time only happen through changing employers.

We are off topic anyway, so here is my experience on the matter. (not meant to be rude, just something a bit interesting, I hope : ) I’m glad that at our company salary negotiations happen annually. I’ve been here 2.5 years now, so that’s 2 raises. I have to say I came fresh from university. First raise was 5%, I was very satisfied. The second was 7%. Since I was a member of IG Metall before my studies, I appreciate that. I think there it was always around 4% over 3 years? I can’t imagine a job change being helpful in my case : ) And in general regarding this thread >>> ignore the troll "don't feed the Troll" Regards : )

Regardless of the amount of income -> Not everyone has to become a homeowner. As an investment, it is not worth anything at all... One of Germany's great achievements is many many rental apartments. So... don't get upset... rather enjoy the advantages of the rental apartment