Home ownership and kids were the thing for me. While studying I was netting 800€ a month in a 400€ rental apartment and never had worry about money, and had a d

Home ownership and kids were the thing for me. While studying I was netting 800€ a month in a 400€ rental apartment and never had worry about money, and had a decent buffer in the bank. Now working and having a 2 + 2 sized family, we net 5000€ month, and pay 1500€ a month for the house (loan + other costs), and and still we have to very carefully budget our every month, often running on fumes when a payday arrives. (I have no regrets, this was more of an observation.)