Well, i don't disagree that i am a moron. But i think i kind of misexplained the children/housing Situation.:

Just in my point of view i would really like to build a house / home and then have kids. Financially there wouldn't be a Problem.

My gf on the other hand doesn't know when she wants to have kids and when she wants to buy a house. She always says she can still get pregnant at 35 e.g. if she wants to but i'm worried what will Happen then and if she still even wants kids