Series 01
I arrived. Now what?
Financial orientation for your first year in Germany
1
Arrival - Mindset
The 5 things the German financial system never explains when you arrive
Credit history, bank account, health insurance, taxes and remittances - what the welcome brochure never tells you.
2
Banking - First steps
Traditional bank account or N26? The plain-language guide you needed
When to use a neobank, when to open a traditional bank - and why the smart answer is to have both.
3
Story - Personal brand
My story: how 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 your first year in Germany
Month-by-month timeline: which process, which account, which insurance - and in what order.
Series 02
Your pension in Germany: what the system never tells you
Private provision, 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
Pensions - Altersvorsorgedepot
Altersvorsorgedepot: another piece of your pension, but not the only one
Who has moved already, what's still unresolved, and why you shouldn't put all your retirement savings in one place. Includes our own calculator.
3
Public system - GRV
How the German public pension works and what you will actually receive
Pension points, contribution years, migration gaps - and how to calculate your projected pension before 40.
4
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.
5
Action - Personal plan
Your retirement plan at 30, 40 and 50: where to start based on your situation
What to do first based on your age, your years in Germany, and your current employment situation.
Series 03
Investing in Germany: with confidence and the right information
Why qualified migrant women are not investing, and how to change that
1
Financial education - Gender gap
You have a job, you have income, and you're still not investing. This is not a coincidence.
The investment gap between men and women is not a knowledge gap. It is a confidence gap. The data behind why qualified migrant women don't take the step.
2
Compound interest - Time
The real cost of waiting: €281,000 nobody calculates for you
Every year that passes without investing has an exact price. Here are the numbers.
3
Products - Germany
ETFs, funds and deposits: what options exist for someone in your situation
A plain-language guide to the investment products available in Germany for migrant women.
4
Action - First step
How to start investing in Germany with €100 a month
The concrete step-by-step: what to open, where, in what order, and with how much to start today.
Series 04
Money and life decisions: the full picture
When personal decisions carry financial consequences nobody calculates for you
1
Personal financial planning
Social freezing in Germany: what nobody explains before you decide
Social freezing is not just a medical decision. It is a financial commitment of up to €26,000 over 10 years. The full cost breakdown, who profits, and the questions to ask before you sign anything.
2
Pension - Motherhood
The financial cost of motherhood in Germany: what the system leaves out
Years out of the labour market, part-time work, the gender pay gap, and their cumulative impact on your pension.
3
Divorce - Wealth
Divorce in Germany: what happens to your money, your pension, and your rights
Zugewinngemeinschaft, Versorgungsausgleich, and what every migrant woman should know before she needs to.
4
Self-employment - Transition
Leaving employment: the financial checklist nobody gives you
Health insurance, pension, taxes, and liquidity: what changes when you stop being an employee in Germany.