[mathverse]

No offense but you seem very uneducated in the matter. Being self employed makes it more difficult for OP to get a loan while "good" real estate is reaching almost western european level of prices in Central & Eastern Europe.

Your post reeks of jealousy for OP's net salary but you fail to account for your accumulated wealth over time of you and your family. OP's had not been earning this wage for years while you and your family has.

OP probably uses a lot of his net salary to support his spouse and family while you dont have to do that.