Saving
How Much Should Your Emergency Fund Really Be?
Three months of expenses or six? We break down the factors that matter — job stability, dependents, and health — and show a step-by-step plan to build your first €1,000 buffer.
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Practical articles on budgeting, saving, investing and financial planning — written in plain language by our education team in Frankfurt.
Featured Article
The 50/30/20 Rule: A Simple Budget That Actually Works
Budgeting fails when it gets too complicated. The 50/30/20 rule splits your net income into three simple buckets: 50% for needs, 30% for wants, and 20% for savings and debt repayment. In this guide we show how to apply it to a realistic German salary, what to do when rent pushes your "needs" over the limit, and how to adjust the rule for freelance or irregular income.
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Fresh insights from our coaches and course creators. New articles are published every two weeks.
Investing
Index Funds Explained: Why Low-Cost Beats Clever
Most actively managed funds underperform their benchmark over ten years. Here's what index funds are, how costs erode returns, and how to start with small monthly amounts.
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Retirement
Retirement Planning in Your 30s vs. Your 50s
The strategy that works at 32 looks very different at 52. We compare contribution priorities, risk levels, and common mistakes at each life stage — with concrete numbers.
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Budgeting
Managing Money on a Freelance Income
Irregular income doesn't mean irregular finances. Learn the percentage-based budgeting method freelancers use to smooth out good and bad months and stay tax-ready.
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Career & Money
Salary Negotiation: Prepare With Data, Not Nerves
The strongest negotiation tool is research. We show which sources to use for market salaries, how to frame your achievements, and what to do when the answer is no.
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Personal Finance
Talking About Money With Your Partner
Money is one of the most common sources of relationship conflict. This article covers a simple monthly money meeting format, shared vs. separate accounts, and aligning goals.
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