#Steuererklärung

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January 8, 2026

From First €10,000 to Next: Why Your Early Investing Wins Matter More Than You Think

A practical look at how small monthly contributions and systematic investing in Germany can generate real returns, even when starting with modest amounts. The psychological and financial milestones that actually matter.

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CHF 1.6M House Sale: Should You Buy Rental Property or Invest in the S&P 500?

Switzerland

January 2, 2026

CHF 1.6M House Sale: Should You Buy Rental Property or Invest in the S&P 500?

A Swiss homeowner’s 100% gain in 15 years creates a classic reinvestment dilemma, but the math is only half the story. The real controversy lies in a systemic conflict that makes every Swiss both tenant and landlord.

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$Maxing Out 3a: The Emotional Weight of Missing CHF 0.40$

Switzerland

January 2, 2026

Maxing Out 3a: The Emotional Weight of Missing CHF 0.40

Why a forty-cent shortfall in your Swiss pension contributions can trigger an existential crisis in precision-obsessed savers

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Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

Switzerland

January 1, 2026

Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

A 49-year-old Swiss investor sits on 500K in cash, paralyzed by all-time highs. The math is brutal: hesitation costs more than any correction. Here’s how Swiss investors should deploy large cash positions without timing the market.

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Why Your Vaud Tax Bill Feels Like Highway Robbery: The Part-Year Income Trap

Switzerland

December 30, 2025

Why Your Vaud Tax Bill Feels Like Highway Robbery: The Part-Year Income Trap

A Lausanne worker earning 6,100 CHF monthly got slapped with a 3,300 CHF tax bill for just four months of work. The shocking math behind Vaud’s tax progression and why mid-income earners in Romandie pay a steeper price than their Zurich counterparts.

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

Germany

December 30, 2025

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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Pendlerpauschale vs. Real Cost: Why Commuters Lose €500, €1000 Monthly

Germany

December 25, 2025

Pendlerpauschale vs. Real Cost: Why Commuters Lose €500, €1000 Monthly

The German commuter allowance covers barely a third of actual driving costs, leaving long-distance workers with a financial gap that widens with every kilometer.

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Financial Goal Setting in Uncertain Times: Lessons from Swiss Earners

Switzerland

December 17, 2025

Financial Goal Setting in Uncertain Times: Lessons from Swiss Earners

How Swiss professionals navigate savings rates, net-worth tracking, and life-event planning in a high-cost environment where 40% savings rates and precise financial systems aren’t just goals, they’re survival strategies.

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Germany

December 14, 2025

When the Finanzamt Comes Knocking: Why You’re Suddenly Required to File Taxes in Germany

Receiving an unexpected tax filing request from the German Finanzamt can be alarming, especially when you believe you earned under the limit. Here’s why it happens and what to do.

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