Stay Wealthy (eBook)

Incl. Bonus - Earn more money, achieve stress-free financial freedom, negotiate salary goals, invest intelligently with strategy, learn risk knowledge on stock exchange, get rich

Simone Janson (Autor)

Simone Janson (Herausgeber)

eBook Download: EPUB

2025 | 1. Auflage
C, 180 Seiten
Best of HR – Berufebilder.de® (Verlag)
978-3-96596-379-5 (ISBN)

Infos

Also in the 8th revised and improved edition, published by a government-funded publisher involved in EU programs and a partner of the Federal Ministry of Education, you receive the concentrated expertise of renowned experts (overview in the book preview), embedded in an integrated knowledge system with premium content and 75% advantage. At the same time, you do good and support sustainable projects.
Because to have more money and secure its prosperity on a long-term basis, who would not like that? The way to achieve this is called financial education: it means acquiring background knowledge about financial and stock markets and making the right financial decisions based on it. Then passive income, which sounds like a nice dream to many, can become a reality. After all, only those who make their money work for them can secure their prosperity and become financially free. But unfortunately, very few people are really familiar with the subject of investing money, and opinions about proper financial planning are as many as there are experts. It is therefore necessary not to lose the overview in the jungle of financial products. Therefore it is meaningful to concern oneself more extensively with the own fortune planning, finally savings and thus the age precaution important for the pension are only destroyed by the inflation. Good luck and have fun reading.
Knowledge that makes a difference: With its 'Information on Demand' concept, the publisher was not only involved in an EU-funded program, but also received several awards. So when you buy the book, you are also doing good: The publisher is financially and personally committed to socially relevant projects such as tree planting campaigns, scholarship foundations, sustainable living, and many other innovative ideas.
The goal of providing you with the best possible content on topics such as career, finance, management, recruiting, or psychology goes far beyond the static nature of traditional books: The interactive book not only imparts expert knowledge but also allows you to ask individual questions and receive personal advice.
In doing so, expertise and technical innovation go hand in hand, as we take the responsibility of delivering well-researched and reliable content, as well as the trust you place in us, very seriously. Therefore, all texts are written by experts in their field. Only for better accessibility of information do we rely on AI-supported research results to a limited extent to make information easier to find, which assists you in your search for knowledge.
You also gain extensive premium services: Each book includes detailed explanations and examples, making it easier for you to successfully use the consultation services, freeky available only to book buyers. Additionally, you can download e-courses, work with workbooks, or engage with an active community. This way, you gain valuable resources that enhance your knowledge, stimulate creativity, and make your personal and professional goals achievable and successes tangible.
That's why, as part of the reader community, you have the unique opportunity to make your journey to personal success even more unforgettable with travel deals of up to 75% off. Because we know that true success is not just a matter of the mind, but is primarily the result of personal impressions and experiences.
Publisher and editor Simone Janson is also a best-selling author, was a columnist for WELT and Wirtschaftswoche, and, according to ZEIT, one of Germany's most bloggers on success - find out more about her on Wikipedia.

Textauszug

Money Freedom Pension Funding: Retirement Plans Like Florida?
// By Bodo Schäfer

The population in Germany is shrinking. As a result, experts expect that every second German will live below the poverty line. There will be a two-tier society: wealthy private individuals and poor pensioners. What can you do

Heiner Geissler believes in miracles

Shortly after this book was published for the first time, Sandra Maischberger invited me to her program. I should discuss the pension with Heiner Geissler. He believes in retirement - I don't. I asked Heiner Geissler: "How is that supposed to work? Where all the facts clearly show: the pension is shrinking. Anyone who earns 1.700 Euro net today will have to make do with 600 Euro. By today's purchasing power. ”Heiner Geissler actually said,“ If everyone earns three to five times as much, then it will work. ”So he believes in miracles.

I said, “If I'm wrong, everyone will be better off later than I think. If you are wrong, millions of Germans will become impoverished in old age. ”Basically, until now we have had a choice: we could strive for financial freedom ourselves or we could rely on the security of the state pension. We no longer have this choice today. The security we know will no longer exist in the future. The changes will be dramatic!

There will no longer be an old-age pension

Old-age pensions as we know them will no longer exist in the future. Who today earns 1.700 euros net will have less than 600 euros pension according to today's purchasing power. The state pension is like a giant pyramid scheme that is now collapsing. You cannot expect more than a minimum basic pension in the future. You may be surprised at what you are reading: This development does not only have negative sides. Because the concept of the state old-age pension was one of the greatest errors of modernity. What was sold to the population as a blessing was actually a curse.

This concept has caused millions of people to become carefree and fall victim to a major seduction: believing in the security that the state would offer, people gave up their dreams and freedom. You have forgotten how to take care of yourself and have become financially dependent.

The chance for independence

In fact, I think the development of state pension insurance is a great opportunity. Everyone is finally clearly responsible. Now there can be no doubt: your wealth and your livelihood are now your private affair. You have to do your own financial protection, because nobody will do it for you. Make yourself independent of the state pension. It will hardly be possible to live a decent life in a few years without your own money.

"In 2032, every second pensioner will only receive a Hartz IV pension," says a pension expert Professor Meinhard Miegel. And Walter Riester said: "No pension system, however good, can cope with the fact that fewer and fewer contributions pay more and more pensioners for an ever longer pension."

How much is my pension really?

Many people don't like it when the finger is raised warningly. I do not like it too. I am far too positive to be afraid of horror scenarios. Do you feel the same way? And yet we cannot simply ignore all dangers. At least some caution is wise. Do you agree with me there? Good! Because we can avoid many mistakes; when we see them clearly. But what if we have no suspicions? What if it turns out years later that it was a mistake? When the relationships only become clear after decades and the consequences obvious? Maybe then we will recognize: I have fallen into a trap. I should have known it, and in my heart I knew it too ...

We are experiencing a historic turning point: never before have so many people in a generation been in danger of falling into bitter poverty so quickly. And it has never been so urgent to build wealth yourself. In fact, only a few changes are necessary. You don't have to change your lifestyle so much. But there is a hurry: you have to make some conscious choices and put a number of systems in place. Many will have to live below the subsistence level for a few decades because they don't want to see the dangers ahead; including many who don't even suspect that today.

They have no suspicion and trust the promises of our state. This blind trust will one day turn out to be a huge mistake. The consequence of this mistake means poverty. Others are preparing; so they will be able to take advantage of unforeseen opportunities. The main requirement is that you give up the idea that others have to take care of them. They take their financial destiny into their own hands.

The shrinking pension

The pension is shrinking. And it shrinks much faster than official agencies admit. Today, every third pension is already below the level of social assistance. This is the bad news. Now the very bad thing: In the long term, the pension will drop to an unimaginably low level: future pensioners will have to make do with a pension of approximately 40 percent of their average gross earnings. Many will have less than 600 euros available - based on today's purchasing power.

Please read this sentence again. Most people who are under 50 today will have to make do with a state pension below 40 percent of their usual income. If you are well aware of this, you do not have to read the first part of this book. However, reading it will most likely reinforce your resolve not to rely on anyone financially.

The pension is secure?

Because you know, "My pension is not safe." If we use the word "safe" in connection with the pension, then we say: "The pension will certainly be very, very small , That's why I have to take care of my retirement myself. ”

But if you say: "Well, he's exaggerating now. You shouldn't see it all so black… «- then I recommend that you also read the first part of this book. Inform yourself; Form your own opinion. You will see I'm not exaggerating. I only point out a real danger that each of us can avert by doing the right things in time. In the future we will no longer be able to rely on the help of the solidarity community. Because they will lack the means.

Those who are with 50 today experience something unsatisfactory: For decades they have supported others with their contributions throughout their working lives; and when he is old there is hardly any money left for him. We cannot hope for pity. Because the following generations may say: "Blame yourself! You finally decided to have fewer children. ”

Altersarmut

In fact, you can only expect a little extra income from the state pension. A mini pension below 600 Euro is extremely little. It means living below the poverty line. That is why experts today largely agree: About half of all future retirees will probably live in old age poverty starting at 2025. Old-age poverty means that these people only receive a pension equal to or less than the social assistance rate. The pension expert Professor Bernd Raffelhüschen says: "In 30 years, we will at most reach a gross pension level of 38 to 40 percent." However, inflation is not yet taken into account. According to today's purchasing power, most pensioners will have to make do with a state pension of less than 600 euros.

Does that sound totally exaggerated and unbelievable to you? I can understand that well. But look at how much you would get if you retired TODAY. Suppose you are 66 today and have worked for 44 years. Let's say you have recently earned € 2.500. Then you have accumulated around 35 pension points. There is 29 euros for each point - this results in a pension of 1.015 euros. Health and nursing care insurance will be deducted from this. So you have 900 euros net today. If you have now paid your rent - there is not much left for a good life.

That applies TODAY. In 15 to 20 years, these 900 euros will have shrunk further. Firstly through further cuts in pensions and secondly through inflation. In our example, this is around 600 euros. Maybe you are asking now: How can this be? You probably already know that our pension is in bad shape. However, very few know exactly how bad it looks and why it is. We take a quick look at the reasons. But first take a trip to Florida with me ...

Conditions like in Florida

Have you ever been to Florida? If we walked through some residential areas of Miami together, we would get an unfamiliar picture: the people on the streets are mostly old. Most are well over 65 years. Imagine this picture: Almost every person we meet on the street is 65, 70 or older. At first we probably don't notice it at all. There are houses, gardens and cars like anywhere in the world. But suddenly you feel: something is different here.

And then you finally discover what is so unusual: there are no children playing, no happy laughs, no young people who go to work with dynamic steps; it is strangely quiet. People move more slowly; they are ... old. In fact, many of the streets in the suburbs of Miami resemble a large retirement home. You experience a similar scenario in restaurants and shops: the people you serve are young. But most of the people who eat and shop there are old.

In the center it is not quite so noticeable, but in the residential areas the age structure seems almost depressing. On my last visit there I spontaneously thought: I definitely don't want to live here. Then I got to the bottom of it: I counted for an hour how many of 100 people were clearly retired. The situation surprised me: there were two younger people with 14 older. I thought it was a coincidence. So I counted again in another part of the city. The situation was similar. And that was not only the case in Miami, but also on the other side of Florida, for example in Fort Myers.

The young and the old...

Produkt-Details

• Erscheint lt. Verlag: 17.11.2025
• Sprache: englisch
• Themenwelt: Sachbuch/Ratgeber ► Beruf / Finanzen / Recht / Wirtschaft ► Wirtschaft
• Themenwelt: Sozialwissenschaften ► Politik / Verwaltung
• Themenwelt: Wirtschaft
• Schlagworte: Intelligent • more money • security • Smart • Success • Win
• ISBN-10: 3-96596-379-1 / 3965963791
• ISBN-13: 978-3-96596-379-5 / 9783965963795