Money First - Zuerst Das Geld: Easy answers to Big and Small questions about Income, Savings and Financial Independence in Germany
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Did you know that only 11% of German households invest money in equities/stocks? Do you know that your old age state pension might not be enough and today around 20% of all pensioners are at the brink of poverty Did you know that in 2020, the average saving rate in Germany is around 21%
Money First - Zuerst Das Geld was written to answer the most common challenges about money topics faced by non German speakers who move (or plan to move) to Deutschland in search for a better life. Talking about Money and Personal finance is not easy for many, and finding right answers is even more difficult. Not to mention, the German financial system is complicated and hard to understand.
It is precisely because of these challenges that Money First was written, to help you figure out answers to topics like
- How does banking work in Germany? What is a deposit guarantee?
- How does SCHUFA Credit score work?
- Is buying a home a great idea? What is the process for getting mortgage?
- Many insurances exist in the Insurance jungle, which ones fit your need.
- Understanding Income Tax and Tax Classes in Germany.
- How do I plan for my retirement and pension? Will it be enough?
- What is Reister rente? What is Rurup Rente? Do I even bother with these?
- How do I save more and invest money to get rich and wealthy? Where should I invest my money?
- What are Index Funds and ETFs? Why is the Expense Ratio your enemy?
- How can you potentially rise-up and be financially independent?
- How do I understand all the impossibly complicated sounding German words related to money topics
Whether you are an experienced financial expert or a newbie who wants to start on improving your financial well being, this book is for you.
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