Answers to the most common questions about salary, pension provision, taxes and investing.
No logo, no company, no subscription in the background, just knowledge that otherwise nobody explains to you before your first pay slip.
All content written from the perspective of someone who has just finished their apprenticeship or school and is starting their working life.
Salary certificate, tax return, first flat, ETF savings plan, content that becomes relevant right away, not grey theory.
Generally yes, once you're an adult and have your own income, you usually have to file your own tax return, even with a small salary. Details on the Taxes page.
A stock is a share in a single company, an ETF tracks a whole market of hundreds or thousands of companies at once and thereby spreads risk. More on this under Investing.
If you rarely go to the doctor and could really afford to pay the higher franchise in an emergency, it often noticeably lowers your annual premium. See Insurance.
Usually not in the classic form with a savings component, fees are high and returns are low. Details under Insurance.
As a guideline, about 2–3 months' salary in a separate account, before you start investing. More in the Calculators and the Checklists.