Youth financing feasible or too early?

Hello, in your list of monthly living costs, it is also not clear to me whether the broadcasting fees, the proportional 1/12 private liability insurance, and the proportional 1/12 of all car insurances are included or if the car insurances are integrated into what I consider to be the too low car amount? And as soon as a child comes and full parental leave is to be taken, a considerable part of the income will be lost for a while. Then daycare costs are added, which do not remotely compensate for the child benefit. Your current salaries would be personally far too low for me, or do you never want to travel but always just eat cheaply at home and hope that a new washing machine or refrigerator is never needed? How much do you pay per month into a private pension plan, I find no information on that, or how often do you want to travel in the future, maybe a long-distance trip that quickly costs 2000€/p.P. That would be 4000€ per year for vacation, so more than 300€/month to save for such a long trip. How is a new car financed? Another loan? Too tight for me, but that is my personal opinion