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Do I understand correctly that you can set aside 35-40% of your income each month?
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@Redfox77 That's how he wrote it. Whining at a high level 🤷🏻♂️
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@randomdude or: once in the bubbles, it becomes difficult
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@Redfox77 It was clear that this would happen. ALSO:
I wrote that we are very frugal. I've never bought a cocktail anywhere in my life. The last time I treated myself to something small was many months or years ago.
Furthermore: do you know how often you have to draw on your reserves as a family? Braces here, glasses there, a birthday here, shoes there.
Yes, that can be whining on a high level, as @randomdude writes. I don't see it that way. I didn't get a cent as a present and I won't inherit a cent either. But I wrote that I actually want to achieve something for myself and my family. How can I do that without being forced to save. But it hurts when you're constantly being taxed.
I wrote that we are very frugal. I've never bought a cocktail anywhere in my life. The last time I treated myself to something small was many months or years ago.
Furthermore: do you know how often you have to draw on your reserves as a family? Braces here, glasses there, a birthday here, shoes there.
Yes, that can be whining on a high level, as @randomdude writes. I don't see it that way. I didn't get a cent as a present and I won't inherit a cent either. But I wrote that I actually want to achieve something for myself and my family. How can I do that without being forced to save. But it hurts when you're constantly being taxed.
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@trade_commander_2498 You asked for honest reactions. I have a family myself and know what you are describing.
If you are suffering so much from taxes: What is the alternative? Would you rather pay high school fees (because childless people don't contribute to their funding) and road tolls on every corner?
Sure, there are alternatives to everything. I, too, can think of lots of government spending that I think could be eliminated. But others think they are right. In a democracy, there is a hard struggle every day to decide which way is the right one.
Overall, I think that western-style industrialized countries organize the coexistence of people relatively efficiently and at a high level of prosperity. If you have had these doubts for 2-3 years, the main question would be what has changed for you. The tax rates have remained the same.
If you are suffering so much from taxes: What is the alternative? Would you rather pay high school fees (because childless people don't contribute to their funding) and road tolls on every corner?
Sure, there are alternatives to everything. I, too, can think of lots of government spending that I think could be eliminated. But others think they are right. In a democracy, there is a hard struggle every day to decide which way is the right one.
Overall, I think that western-style industrialized countries organize the coexistence of people relatively efficiently and at a high level of prosperity. If you have had these doubts for 2-3 years, the main question would be what has changed for you. The tax rates have remained the same.
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@trade_commander_2498 What specifically do you want to achieve for your family?
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@randomdude fits already. Thanks for the answer.
My point is that it is becoming more difficult to build up assets - perhaps it just feels that way. I haven't inherited anything and nothing will come of it. I don't want to be on the state's back, so I have to do it myself. But if everything you own is taxed several times over, then there are no incentives or opportunities to put in even more effort.
Increasing the tax-free savings allowance alone would be an important step.
I'm also concerned that the service for what I pay is getting less and less and worse. The schools? Horrible. The infrastructure? The same.
And that has changed. You pay and pay, but the value is not there.
My point is that it is becoming more difficult to build up assets - perhaps it just feels that way. I haven't inherited anything and nothing will come of it. I don't want to be on the state's back, so I have to do it myself. But if everything you own is taxed several times over, then there are no incentives or opportunities to put in even more effort.
Increasing the tax-free savings allowance alone would be an important step.
I'm also concerned that the service for what I pay is getting less and less and worse. The schools? Horrible. The infrastructure? The same.
And that has changed. You pay and pay, but the value is not there.
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Are you really serious? With a house and a child, you put away 40 to 50% of your salary to save and moan that you're getting nowhere? If I didn't know any better, I'd think it was April 1st.
Very well trolled
Very well trolled
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@Redfox77 simply to build up more stable assets. To do this, however, I also need a little more net from gross. Both in terms of salary and income, for example.
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@Happysurfer So, where do I start:
1.) Yes, I am serious. And very serious. Why? Why am I saving 30-40%? Because I do without everything that others probably treat themselves to all the time.
New clothes, indulgence, technical innovations, Netflix subscriptions, eating out, going for a drink. It just doesn't exist for me, or hardly ever.
I've never treated myself to a cocktail or a glass of wine in a restaurant. I bought my last pair of trousers 2 or 3 years ago. 25€ trousers, mind you.
2) I work hard. I didn't say that I don't earn much or that I'm lazy. BUT the fact that I work so hard should make it easier to build up assets. But if I pay tax on all my income, sometimes several times over, and pay less and less for my taxes, the effect is missing for me.
For me, it no longer fits together.
What an incentive it would be, for example, to increase the tax-free allowance? Many people would take on more personal responsibility.
1.) Yes, I am serious. And very serious. Why? Why am I saving 30-40%? Because I do without everything that others probably treat themselves to all the time.
New clothes, indulgence, technical innovations, Netflix subscriptions, eating out, going for a drink. It just doesn't exist for me, or hardly ever.
I've never treated myself to a cocktail or a glass of wine in a restaurant. I bought my last pair of trousers 2 or 3 years ago. 25€ trousers, mind you.
2) I work hard. I didn't say that I don't earn much or that I'm lazy. BUT the fact that I work so hard should make it easier to build up assets. But if I pay tax on all my income, sometimes several times over, and pay less and less for my taxes, the effect is missing for me.
For me, it no longer fits together.
What an incentive it would be, for example, to increase the tax-free allowance? Many people would take on more personal responsibility.
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@Happysurfer I earn approx. 4500€-5000) gross + 500€ child benefit .... The bottom line is that I have approx. 3600€ net at my disposal. My wife does not work.
2adults 2children 2&4years (so far the children are "cheap" due to their age.
We travel through Europe every year for 8-10 weeks with the Womo. Public service, lots of free "little" money😃
Of the 3600€ net go away:
600€ goes towards the condominium (loan)
1000€ goes on living expenses
2000€ remain at least.
Depot meanwhile summarized at approx. 450.000€
We buy what is necessary, everything else is just burdensome consumption!!!!
It works for us, but our system is not compatible with everyone because I have the perfect framework conditions.
2adults 2children 2&4years (so far the children are "cheap" due to their age.
We travel through Europe every year for 8-10 weeks with the Womo. Public service, lots of free "little" money😃
Of the 3600€ net go away:
600€ goes towards the condominium (loan)
1000€ goes on living expenses
2000€ remain at least.
Depot meanwhile summarized at approx. 450.000€
We buy what is necessary, everything else is just burdensome consumption!!!!
It works for us, but our system is not compatible with everyone because I have the perfect framework conditions.
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