🗓️ Book a free consultation call with David here ➡️ https://bit.ly/invertas Supporting Links from our call ⬇️ 💰Calculate your pension: https://invertas.de/en/pension-calculator-germany/ 💰German Pension Levels Explained: https://invertas.de/en/3-pension-levels-in-germany-all-government-benefits-explained/ 💰 How to save taxes using a private pension in Germany: https://invertas.de/en/42-tax-refund-with-the-ruerup-pension-how-to-save-taxes-with-private-pension-plans-in-germany/ ✨ Transparency note: I am not a financial nor a legal advisor, please make sure to invest responsibly. If you would like professional support, you can book a free consultation with David Reinhard above. This is a free call and I will receive a referral fee if you choose to book with David. 💛 Follow me on Instagram for more: www.instagram.com/lifeingermany_ and www.instagram.com/lifeindus/ ————————————————————— MOVING TO GERMANY? Get your FREE step-by-step checklist here ➡️ https://lifeingermany.com/checklist/ AND JOIN US IN THE [Life in Germany Welcome Program] ➡️ https://www.lifeingermany.com QUESTIONS? hello@lifeingermany.com #expats #germany #lifeingermany #expatsingermany #expattips ————————————————————— MY TIPS FOR LIVING IN GERMANY ✅ 💵 My Bank: https://bit.ly/3JczUH7 📱My Phone Plan: https://bit.ly/3C1IY0e 💡My Electricity Plan: https://bit.ly/3J5idcp 🏠My Liability & Contents Insurance: https://bit.ly/42Plnsr 🏥 My Health Insurance: https://bit.ly/306x1jZ 📚How I Learn German: https://bit.ly/3XtuwmL DISCLAIMER: Links included in my descriptions are sometimes affiliate links. If you purchase a product or service with the links that I provide, I may receive a small commission - which helps me continue to build the platform & community. There is no additional charge to you! ————————————————————— 00:00 - I made a mistake 00:52 - Meet an independent financial broker 01:44 - My retirement plan 😎 03:13 - What if you leave Germany? 03:59 - What do YOU want in retirement in Germany? 04:55 - Understand private vs. Public pensions in Germany 07:20 - 1 Person supporting 1 Pensioner?! 08:11 - How much do you need to retire? 10:34 - Can you increase/decrease your pension payment? 11:42 - How to choose the right pension plan 12:31 - Are company pension plans worth it? 13:34 - Understand Private Pension Level 1 14:19 - 42% Tax Refund on pensions?! 14:36 - Rürup vs. ETF 15:07 - How does a Rürup work? 17:00 - Who is a Rürup interesting for? 17:08 - Understand Private Pension Level 2 17:21 - Understand Private Pension Level 3 18:26 - How do most people have their private pension set up? 19:30 - How to choose the right pension company 22:24 - The best pension plan for 2024/2025 23:39 - Are financial advisors in Germany a scam? 26:45 - Peek at my pension plan calculation 27:57 - How much do people usually pay into their private pension? 28:41 - What do you get out of your private pension at the end? 29:39 - When do most people in Germany take out their pension? 31:09 - Outro chats