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December 14, 2025

Emergency Funds in Germany: The Controversial Math That Makes 3-Month Savings Obsolete

A 29-year-old public sector worker questions conventional wisdom on emergency funds. The answer reveals why traditional rules fail in Germany’s unique financial landscape.

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Your Depot Is Not a Notgroschen, Until It Has To Be

Germany

December 13, 2025

Your Depot Is Not a Notgroschen, Until It Has To Be

When family emergencies strike, that carefully built ETF portfolio suddenly faces an existential question: is it a sacred retirement vehicle or just another Rücklage with extra steps?

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