it's finance, mate!

Most people think about their finances by picking products: ETFs, Real estate, pensions or others. But if you don’t know why you’re investing, none of it really lines up. In this episode we flip the order: set goals, map life events, and define timelines, risk, liquidity and flexibility (especially if you’re an international in Germany). Then we compare the big options: ETFs, real estate, company/private/foreign pensions, only as vehicles to carry you from A → B once the destination is clear. 

Ready to start planning? Book a call at financemate.de.

Retirement isn’t just an age, it’s a plan. In this episode we unpack what “retire” really means in Germany: legal ages vs. your funded age, the different cashflow sources you could have when you retire and how to choose where you’ll live without tripping over taxes or healthcare. Practical, international friendly steps to make Feierabend forever feel real.

Ready to plan your retirement? Visit financemate.de

We all procrastinate when it comes to money, but what’s really holding us back? In this episode, we bust 5 common myths about financial planning, from “you need to be rich” to “just use an app.” Turns out, you don’t need perfect finances, you just need a plan that fits real life.

Check out financemate.de, if you're interest to start planning for your financial future.

Think bricks are always safest? Let’s get real. We explain why Germany stays a nation of renters and discuss the investor tax benefits that can make becoming a landlord surprisingly attractive. We’ve built several calculators to help our clients evaluate real estate decisions in Germany, if you’re interested, visit financemate.de and book a discovery call.

Finance is emotional, not just about number crunching. In this episode we lay out our vision for Financemate: smart, easy-to-use planning tools guided by a real human who helps you prioritise, decide, and follow through. We explain why internationals, especially those living in Germany needs a different kind of financial planning and our approach to solving that. Check out financemate.de and book a discovery call.

In a country with five times as many insurance policies as people, Germany's love affair with insurance is hard to ignore. How did it get this way? In this episode, we unpack the historical roots and cultural mindsets behind it all.

For internationals, insurance is important too, but knowing what you actually need is key. We break down how to stay properly protected without going overboard.

In our first episode, we explore what financial planning actually means and why it’s surprisingly hard to find proper financial planning services in Germany. We discuss the cultural differences, regulatory landscape, and what this means for internationals living in Germany.

Interested in planning your own finances, check out Financemate.de