Series 01
I arrived. Now what?
Financial orientation for your first year in Germany
1
Arrival - Mindset
5 things nobody tells you about money when you arrive in Germany
Credit history, bank account, health insurance, taxes and remittances - what the welcome brochure never covers.
2
Banking - First steps
Traditional bank account or N26? The no-jargon guide you needed
When to use a neobank, when to go traditional - and why the smart answer is having both.
3
Story - Personal brand
My story: the time I signed a financial product I didn't understand (and what I learned)
The founding story of BFF - and why that mistake changed everything.
4
Planning - First year
Your financial roadmap for the first year in Germany
Month by month: which admin task, which account, which insurance - and in what order.
Series 02
Your pension in Germany: what the system leaves out
Private savings, the public system and how to build your retirement from scratch
1
Pensions - 2027 Reform
The end of Riester and what comes next
Why Riester failed, what the Altersvorsorgedepot is, and why this directly affects you as a migrant woman in Germany.
2
Public system - GRV
How Germany's public pension works and what you will actually receive
Pension points, contribution years, gaps from migration - and how to calculate your projected pension before you turn 40.
3
Gaps - Gender and migration
The real pension gap: being a migrant woman in the German system
33% less pension than men, years outside the system, part-time work - the numbers behind the real risk.
4
Action - Personal plan
Your retirement plan at 30, 40 and 50: where to start based on your stage
What to do first based on your age, your years in Germany and your current work situation.