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Explore stories and insights from Germany.

Real-World Economics of Solar + Heat Pump: One Year of Data from a German Household
Germany

Real-World Economics of Solar + Heat Pump: One Year of Data from a German Household

A detailed financial breakdown of one German family’s first year with a 9kWp solar system, battery storage, heat pump, and EV, revealing why their €40,000 investment actually makes sense compared to gas heating.

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Germany’s Restaurant Tax Cut: Who’s Really Getting Served?
Germany

Germany’s Restaurant Tax Cut: Who’s Really Getting Served?

The VAT on restaurant food drops from 19% to 7% in 2026, but don’t expect cheaper meals. German gastronomy says they’ll keep the savings to cover costs, while critics call it a tax gift for fast-food giants.

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Germany’s Vorabpauschale: The Stealth Tax That Eats Your ETF Returns
Germany

Germany’s Vorabpauschale: The Stealth Tax That Eats Your ETF Returns

How Germany’s advance tax payment on ETFs creates a negative compounding effect that silently erodes long-term wealth-building strategies

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Germany’s €80 Kitchen Revolution: Beating 35% Food Inflation at Home
Germany

Germany’s €80 Kitchen Revolution: Beating 35% Food Inflation at Home

With food prices up 35% since 2020, Germans are discovering that home cooking with basic ingredients and smart kitchen gadgets isn’t just healthier, it’s the most effective financial strategy nobody talks about.

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Heat Pumps in Germany: The Financial Trap Nobody Talks About
Germany

Heat Pumps in Germany: The Financial Trap Nobody Talks About

Why German homeowners are overpaying for heat pumps and how to avoid becoming the next victim of inflated quotes and outdated contractor advice.

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German Family Budget 2025: The €6,300/Month Illusion of Middle-Class Security
Germany

German Family Budget 2025: The €6,300/Month Illusion of Middle-Class Security

A brutally honest breakdown of where the money actually goes for a four-person German family, why your mortgage strategy might be working against you, and what 2026 policy changes really mean for your wallet.

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The €25,000 ‘Passive Income’ Illusion: How German Investors Are Gaming ETFs and Tagesgeld in 2025
Germany

The €25,000 ‘Passive Income’ Illusion: How German Investors Are Gaming ETFs and Tagesgeld in 2025

A deep dive into the controversial strategy generating five-figure returns through clever ETF-Tagesgeld allocation, aggressive rate shopping, and tax optimization that’s dividing the German financial community

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Awumbo ETF888: How a Leveraged Fund Cracked €100M in 90 Days While Its Predecessor Crawled for a Decade
Germany

Awumbo ETF888: How a Leveraged Fund Cracked €100M in 90 Days While Its Predecessor Crawled for a Decade

The explosive growth of Awumbo ETF888 reveals a fundamental shift in German retail investing behavior, but beneath the record-breaking inflows lurk questions about sustainability, hidden costs, and whether we’re witnessing innovation or just another bubble in the making.

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How German Savers Invested €83,000 in the FTSE All-World: Holy Grail or Hype?
Germany

How German Savers Invested €83,000 in the FTSE All-World: Holy Grail or Hype?

One German investor pumped over €83,000 into the FTSE All-World ETF in 2024, reaching a €258,000 portfolio. But behind the ‘holy grail’ narrative lies a dangerous concentration risk that most finance forum disciples won’t mention.

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The German Inheritance Tax Trap: Why Family Businesses Face a Constitutional Showdown
Germany

The German Inheritance Tax Trap: Why Family Businesses Face a Constitutional Showdown

Monika Schnitzer’s call to tax business heirs more heavily has reignited Germany’s perpetual debate between social equity and economic survival. The Constitutional Court may decide the outcome.

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The 800,000€ Retirement Mistake: Why Elderly Germans Are Prime Crypto Fraud Targets
Germany

The 800,000€ Retirement Mistake: Why Elderly Germans Are Prime Crypto Fraud Targets

An 84-year-old investor loses nearly a million euros to crypto scammers, a cautionary tale about late-life investment obsession and the dark side of Germany’s digital finance boom.

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The Three-Euro Doctor Visit Fee: Germany’s Healthcare System Just Got a Controversial New Invoice
Germany

The Three-Euro Doctor Visit Fee: Germany’s Healthcare System Just Got a Controversial New Invoice

Andreas Gassen’s proposal for a 3-4 euro ‘Kontaktgebühr’ per doctor visit has ignited fierce debate about healthcare funding, equity, and whether patients should pay for the privilege of being sick in Germany.

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The End of Cheap Internet? How Broadband Prices Are Skyrocketing in Germany
Germany

The End of Cheap Internet? How Broadband Prices Are Skyrocketing in Germany

German broadband prices have jumped from €30 to €40+ while infrastructure lags behind Algeria. Here’s why the market is broken and how to fight back.

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Double Freistellungsauftrag: Why Two Brokers Don’t Mean Double Tax-Free
Germany

Double Freistellungsauftrag: Why Two Brokers Don’t Mean Double Tax-Free

Claiming your €1,000 capital gains exemption at multiple brokers feels like a victimless error, until the BZSt’s data cross-check kicks in. Here’s the real cost of double-dipping and why ‘oops’ doesn’t cut it with German tax authorities.

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