Journal
My Articles.
Complete answers to precise questions, about the German system, about corporate treasury, and about what it means to be independent.
Altersvorsorgedepot 2027: Full Guide (Grants, Fees, Payout)
Altersvorsorgedepot 2027: the complete guide to Germany’s private pension reform Germany’s private pension reform is now law: the…
Invest All at Once or Gradually: What the Data Actually Says
Invest All at Once or Gradually: What the Data Actually Says The intuitive answer is usually wrong. Here’s…
When rents rise faster than salaries: do we really have to accept it?
Last week, I met up with an old university friend over coffee in Frankfurt. We had both moved…
bAV Germany: The 2026 Guide to Company Pensions
The German Company Pension Scheme (bAV): Practical Guide 2026 Understand, optimize, and secure your company pension, with calculation…
The €668k Cost of Early Retirement in Germany for Executives
The cost of time: understanding the €668,000 opportunity cost of early retirement in Germany How the statutory pension…
2026 Fiscal Changes: Strategic Guide for High-Earning Professionals
2026 Fiscal Changes: Strategic Guide for High-Earning Professionals Your Net Pay Is Under Pressure If you earn above…
The Retirement Gap in Germany: How It Hits High-Income Professionals
The Income Cliff: Why High Earners in Germany Face the Steepest Retirement Drop And how to bridge the…
Why Your Portfolio Requires More Than Technology Stocks
Why Your Portfolio Requires More Than Technology Stocks The Diversification Imperative: An Introduction During the 2022 market decline,…
Early Repayment of a Mortgage Loan: Advantages, Disadvantages, and Tips
Early Repayment of a Mortgage Loan : Good or Bad Idea? Introduction Faced with a cash surplus, many…
How does money creation work?
How Does Money Creation Work? Understanding what’s really behind our everyday money. I. A Bread for… Code? When…
