Freelance finance
Freelancers: Take Control of Your Financial Future
If you're a freelancer in Germany (or anywhere in the Schengen area), chances are you won’t get much (if anything) from the public pension system. But the good news? You don’t need a lot to start saving.
Join my 1-hour course to learn:
✅ How the German (and other European) pension system works
✅ Why relying on the government isn’t enough
✅ How to start saving—even with just €20/month
Simple, clear, and designed for freelancers like you.
What?
💡 A simple way for freelancers to start saving—even if money is tight.
You don’t need to be rich to invest. You don’t need to understand the stock market to the T or have thousands of euros sitting in a bank.
This course is for freelancers, especially musicians and creatives, who want to take control of their financial future without sacrificing their present.
With just a few Euros per month, you can build savings and start investing. This isn’t about cutting back on essentials—it’s about making your money work for you, little by little.
Why?
🚨 Because relying on the pension system is not a plan.
If you're a freelancer in Germany, you’re on your own when it comes to retirement. Unlike employees, you don’t have a company contributing to your future. And the German state pension? It’s broken and might barely cover rent when you retire. You can read more about it here, here, here, and here.
But I get it—you’re probably thinking, “I can barely save now. How am I supposed to think about retirement?”
The truth is, you don’t need a lot to start. Even small, consistent investments can grow into something meaningful over time. And the earlier you start, the easier it gets.
How?
📌 Step-by-step, with a simple plan you can actually follow.
If you’re a freelancer in Germany, you won’t automatically have a pension waiting for you. But that doesn’t mean you have to be stuck without a plan.
In this 1-hour session, I’ll explain:
✔️ How the retirement system in Germany (and Europe) actually works
✔️ What this means for your future as a freelancer
✔️ Simple, realistic ways to start saving—even if you’re earning just enough to cover rent
No finance jargon. No overwhelming numbers.
Just clear, practical advice to help you take control of your future.