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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.

FAQ

  • Who is this course for?
    This course is designed for freelancers, musicians, and creative professionals in Germany (or Europe) who want to understand how retirement works and learn how to start saving—even with a small income.
  • I know nothing about finance. Will I understand this course?
    Yes! This course is beginner-friendly, jargon-free, and practical. No complex stock market talk—just simple, realistic steps tailored to freelancers.
  • Will this course tell me exactly where to invest my money?
    This course will explain different saving and investing options available to freelancers, like ETFs, index funds, and private pension plans. However, I won’t be giving personal financial advice—instead, I’ll help you understand your options so you can make an informed decision.
  • I barely make enough to cover my rent. How can I even think about saving?
    That’s exactly why this course exists! You don’t need to be rich to invest. Even €20–50 per month can grow into something meaningful over time. I’ll show you how to start small and stay consistent without sacrificing your daily needs.
  • How long is the course?
    It’s a 1-hour session, packed with clear, actionable insights. No fluff, just the essentials to help you get started.
  • Is this an online or in-person course?
    It’s entirely online, so you can join from anywhere.
  • How much does it cost?
    The first 4 sessions will be free. Later, each 1h session will be €20, which is probably less than what you spend on coffee in a month—but could help you save thousands in the long run! 😉
  • Will I need to do complicated paperwork to start saving?
    Nope! I’ll show you simple, low-effort ways to set up your savings and investments. You can start in just a few clicks.
  • What if I have questions after the course?
    You’ll get a list of useful resources to continue learning. Depending on demand, I might offer follow-up Q&A sessions in the future! But you can always send follow-up questions straight to my inbox at suttersg@gmail.com 📨
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