. Explainers

Day 1: Changing your mindset is hard work – do it every day and with intention

The way we think is called our mindset. Over the course of our lives, we encounter a whole spectrum of…

Take this lesson

Day 1: The right money mindset for investors

Did you know that your savings eat into your money? Sounds illogical, but it’s true – at least when you…

Goal: Basic knowledge for getting started as an investor.
Take this lesson

Day 1 : The money mindset and why it’s so important

This course is all about the money mindset. This is the term we use to talk about your attitude toward…

Goal: Understand the money mindset.
Take this lesson

Day 1 : Your money mindset – and how you can change it

The money mindset – your attitude toward and outlook on money – describes how you feel and act when it…

Goal: Get to know your money mindset and understand how you can influence it.
Take this lesson

Day 1: Why it’s so important for you to have financial retirement provisions

At 25, retirement still seems plenty far away, but it’s closer than it seems. That’s why there’s a simple answer…

Goal: Understand how the retirement system works in Germany and why you should already be getting set up for retirement.
Take this lesson

Day 1: What exactly is an inheritance?

An inheritance is simply the transfer of assets from one person to another. This happens when someone passes away (known…

Goal: Learn the basics about inheritance.
Take this lesson

Day 2: Close your wealth gap

Did you know that the following three factors determine the wealth gap for women as a whole? Wage gap: Women…

Take this lesson

Day 2: Investing, risk & return – the connection

Risk and return – what are they and how are the two connected? Risk and return are closely linked when…

Goal: Get to know basic terminology and types of investments, understand diversification.
Take this lesson

Day 2 : Why you do what you do: four exercises on your money mindset of the past and the present

Do you remember your first experiences with money? The first seven years of life are particularly formative, including when it…

Goal: Uncover something about your own financial past.
Take this lesson

Day 2 : Your income – what your work is worth and how you can increase your income

Your income determines how much you can invest. And what you invest has an enormous impact on your future wealth…

Goal: Get to understand your money mindset better and learn how not to sell yourself short.
Take this lesson

Day 2: How government pension insurance works – The young pay for the retirement of the elderly

The retirement system in Germany is built on a pay-as-you-go system in which the current workforce pays for today’s retirees….

Goal: Understand government pension insurance in Germany.
Take this lesson

Day 2: Create a balance sheet and determine your net worth

Before you take a single step, get clarity over your actual financial status. You should gain the most comprehensive grasp…

Goal: The first steps after you receive an inheritance.
Take this lesson

Day 3: Negotiate your salary – and do it boldly!

We hear a lot about the different financial gaps that affect us women. One of them is the pay gap,…

Take this lesson

Day 3: Even more financial terminology, Part 1

Basic knowledge for your investment journey – market developments and forces

Goal: Basic knowledge for your investment journey – market developments and forces.
Take this lesson

Day 3 : Money and feelings, Part 1

A new money mindset begins with being conscious – conscious of your mindset as it is in this moment. Pay…

Goal: Gain an understanding of your own sentiments about money.
Take this lesson

Day 3 : Your financial planning – how you can take control over your money

Part of having a good money mindset is that you enjoy managing your finances. Or as a first step, that…

Goal: Manage and plan your finances wisely.
Take this lesson

Day 3: Corporate retirement plans – additional retirement through your employer

Corporate retirement plans are another means of securing your financial future. The employer is obliged to comply with the request…

Goal: Understand how you can provide for retirement with the help of your employer.
Take this lesson

Day 3: Why solid financial planning is still important

Even if you inherit a large sum of money, you should plan well and keep an eye on your expenses….

Goal: Understand why it's so important to keep your eye on your expenses.
Take this lesson

Day 4: Set your financial goals

The most important thing you can do on the way to financial freedom is to set financial goals! After all,…

Take this lesson

Day 4: Even more financial terminology, Part 2

What are bonds? Bonds work off the principle of debt obligation. That means that you loan your money to the…

Goal: Basic knowledge for your investment journey – bonds.
Take this lesson

Day 4 : Money and feelings, Part 2

In the first three parts of this course, you have reflected quite a bit on your past and your personal…

Goal: Understand emotions, feelings, and thoughts even better.
Take this lesson

Day 4 : Peace with the piggy bank – really relaxing about your savings and emergency plans

Putting money away regularly is a crucial part of good money management. It’s essential to meeting your financial goals, which…

Goal: Make saving totally simple.
Take this lesson

Day 4: Your personal plan for retirement

If you want to relax during your retirement a handful of years from now, it’s important that you set yourself…

Goal: Learn the opportunities specific to your situation and come up with goals.
Take this lesson

Day 4: What to do with the inheritance?

For most people, an inheritance is a surprise, regardless of whether it’s 5000, 10,000, or even 500,000 euros. And a…

Goal: Dos and don'ts after inheriting.
Take this lesson

Day 5: Spending plans, budgeting – the first step toward saving and investing

Yesterday was about one of the first pillars of your finances: your income! At the end of the day, an…

Take this lesson

Day 5: The investment opportunity of ETFs

The abbreviation ETF stands for “exchange-traded funds.” The money of many different investors is wrapped up together in a fund…

Goal: Find the right ETFs for you.
Take this lesson

Day 5 : Recognizing negative convictions and letting them go

Convictions are fixed beliefs about yourself and the world. They often stem from childhood, functioning as GPS coordinates of sorts,…

Goal: Start to change your mindset purposefully.
Take this lesson

Day 5 : The basics of investing – Part 1

Financial planning and saving are important. So far, so good! But now comes the next step – one that is…

Goal: Learn the basics and strengthen your money mindset as a future investor.  
Take this lesson

Day 5: A problem known as the pension gap

The pension gap refers to the difference between what you receive as your government retirement payouts and the amount you…

Goal: Understand what the pension gap means for you.
Take this lesson

Day 5: Investment opportunities for your inheritance

When you’re ready to invest your inheritance, what asset classes are worth considering? To answer this question, think back to…

Goal: Understand investment opportunities.
Take this lesson

Day 6: How much money do I need to save?

You’ve surely heard this question get asked a lot or have thought it to yourself. The answer is pretty easy….

Take this lesson

Day 6: Real estate investment opportunities

The topic of diversification comes back around here. Real estate is another asset class you can use to minimize your…

Goal: Understand how you can invest in real estate.
Take this lesson

Day 6 : Your money affirmations – what they are and why they’re so powerful

We’re getting crafty today! Only if you want to, of course. You can also just take notes or use slips…

Goal: Develop individual affirmations, transform negative convictions.
Take this lesson

Day 6 : The basics of investing – Part 2

Cash Most people are comfortable with cash. Like a good friend, we like having it with us. Cash is physical…

Goal: Learn some more basics and investment opportunities.
Take this lesson

Day 6: Closing the pension gap – how to do it and why it’s so important

We’ve already gone over the different types of retirement provisions in Germany: state pension with private opportunities for supplementing, and…

Goal: Learn how you can invest for retirement.
Take this lesson

Day 6: Inheritance law in Germany

When it comes to German inheritance law, what is known as universal succession applies. This means that the heirs inherit…

Goal: Wills, succession, exemptions – the legal side of inheritance.
Take this lesson

Day 7: Investing…what exactly is it?

Investing is one of the absolute best-kept secrets! The amazing thing is that once you start looking into it, it’s…

Take this lesson

Day 7: Cryptocurrency investment opportunities

What are cryptocurrencies? You’re probably already familiar with the term Bitcoin. Bitcoin is what’s known as a cryptocurrency. These currencies…

Goal: Basic knowledge for investing in cryptocurrencies.
Take this lesson

Day 7 : One week of the money mindset

If you’ve chosen to take this course, you probably recognize a few familiar traits in the deficit money mindset. Are…

Goal: Course summary and future prospects.
Take this lesson

Day 7 : A week of you & your money – summary

Let’s take a look again at the start of the course. It began with your outlook on money and what…

Goal: Recap of the course material so you can get started.
Take this lesson

Day 7: Life insurance, taxes, and other opportunities

A life insurance policy is a contract between you and an insurance company. You make regular premium payments, and in…

Goal: Learn more opportunities for retirement provisions.
Take this lesson

Day 7: Let’s talk about it!

Now you have the fundamental knowledge, some important information, and an initial understanding of what inheritance is and what your…

Goal: Put theory to practice.
Take this lesson

Money secret No. 8: The eighth world wonder: Interest and compound interest

Compound interest is unbelievably sexy! Don’t miss out on all the fun – get started ASAP!

Take this lesson

Money secret No. 9: Cash is Queen: Know the liquidity of your investments

Make sure you know exactly how liquid or illiquid the investment is that you’re buying.

Take this lesson

Money secret No. 10: Money-gobbling inflation

Investing is the best way to outplay money-gobbling inflation.

Take this lesson

Money secret No. 11: The time value of money

You should claim outstanding money as quickly as possible…and invest it as soon as you get it.

Take this lesson

Money secret No. 12: Risk is good! Learn to tolerate it…and even to love it!

Be brave and take the first step. Settle on an amount you can start with, open yourself a brokerage account…and…

Take this lesson

Money secret No. 13: Why is risk good?

More risk means more potential for higher returns.

Take this lesson

Money secret No. 14: Don’t sell when stock prices drop!

Investing is like shopping: Buy things when they’re on sale!

Take this lesson

Money secret No. 15: What does overcoming fear have to do with your financial future? It has everything to do with it.

You’re afraid of investing because you’re doing something you’ve never done before.

Take this lesson

Money secret No. 16: Avoid credit card debt

Avoiding credit card debt is a smart move.

Take this lesson

Money secret No. 17: What are ETFs?

Find a provider that can help you choose a diversified ETF portfolio and you’ll be well on your way to…

Take this lesson

Money secret No. 18 What is a brokerage account?

Learn about the exact kind of account you’re opening, including the fees that apply for transactions or for different account…

Take this lesson

Money secret No. 19: What is diversification?

Never put all your eggs in one basket when it comes to investing. With a wide distribution, also known as…

Take this lesson

Money secret No. 20: What are the different types of investments?

Cash, stocks, and bonds are the three main types of investments. It’s to your advantage to understand how they work…

Take this lesson

Money secret No. 21: How do rich people invest?

Think about what advice of the wealthy you want to latch onto. And then put it into action…right now.

Take this lesson

Money secret No. 22: Check your insurance policies and other contracts

Be completely honest with yourself and ask: Is it worth it for me to keep paying pension insurance?

Take this lesson

Money secret No. 23: Money and love…they go hand in hand

One of the most important conversations you can have in your life is the one with your partner about money.

Take this lesson

Money secret No. 24: What is ESG?

ESG investments grow quickly, and ESG ETFs are a good option if sustainable investing is important to you. Plus, research…

Take this lesson

Money secret No. 25: How can debt be good?

Remember that there is also such a thing as good debt. Learn how you can use good debt in your…

Take this lesson

Money secret No. 26: Find yourself a money mentor!

Find a money mentor to be by your side. Passing on your money knowledge is an enormous gift to a…

Take this lesson

Money secret No. 27: Avoid common investment mistakes

Are you overconfident, or do you check your portfolio too often? Figure out which investment mistake you’re more likely to…

Take this lesson

Money secret No. 28: Support the kids in your life!

You can help others by passing on your knowledge. Start with the kids in your life – an investment account…

Take this lesson

Money secret No. 29: Automated saving and investing are the key to success

Automated investments – one of the best ways you can do something positive for your financial future. And the time…

Take this lesson

Money secret No. 30: What about retirement?

Having a plan for retirement now will give you more peace of mind later. And remember, the sooner you start,…

Take this lesson