I know that a PhD is necessary to enter academia which means you can find a better job and get salary. 

But, how about doing a Habilitation in Germany? Does it have any positive impact on the career or financial situation as an international student?

For instance, say someone is barely employed. So, he is supposed to get an "actual" job after the completion of his PhD. But, can he postpone getting the job until he completes his Habilitation? What would be the financial implication?