https://markusbehmann.com/blog/Financial freedom for people who like numbers. Free calculators, a free course and straight talk about investing in Europe, building income and AI.en https://markusbehmann.com/blog/own-your-future/https://markusbehmann.com/blog/own-your-future/Tue, 29 Sep 2026 08:00:00 GMTFreedomHayek, state budgets from Berlin to Rome and why I plan my money as if the state won’t show up. Safety net yes, financial planner no. https://markusbehmann.com/blog/accumulating-vs-distributing/https://markusbehmann.com/blog/accumulating-vs-distributing/Mon, 28 Sep 2026 08:00:00 GMTInvestingSame index, different cash flow. How both ETF types work, what the German taxman does to them in 2026, and which one suits your temperament. https://markusbehmann.com/blog/ai-and-your-money/https://markusbehmann.com/blog/ai-and-your-money/Mon, 28 Sep 2026 08:00:00 GMTAI & TechWhat a chatbot can really do for your money in 2026, where it confidently talks crap, and a checklist before you believe a word of it. https://markusbehmann.com/blog/dividend-investing-honest/https://markusbehmann.com/blog/dividend-investing-honest/Mon, 28 Sep 2026 08:00:00 GMTInvestingDividends aren’t free money. What a payout really does to your shares, your tax bill and your risk – and the few cases where dividends still make sense. https://markusbehmann.com/blog/etf-tax-germany/https://markusbehmann.com/blog/etf-tax-germany/Mon, 28 Sep 2026 08:00:00 GMTInvestingFlat tax, partial exemption, advance lump sum, allowance: German ETF tax in 2026 without the legalese. Two worked examples you can check yourself. https://markusbehmann.com/blog/fire-in-europe/https://markusbehmann.com/blog/fire-in-europe/Mon, 28 Sep 2026 08:00:00 GMTFreedomNo 401(k), no Roth, no US ETFs. Here’s what financial independence looks like under European rules, plus the savings rate table. https://markusbehmann.com/blog/how-much-to-retire/https://markusbehmann.com/blog/how-much-to-retire/Mon, 28 Sep 2026 08:00:00 GMTFreedomThe 4% rule was built on US data and a 30-year retirement. Lucky them. What the research says for Europeans, and how you get to your own number. https://markusbehmann.com/blog/investing-in-europe/https://markusbehmann.com/blog/investing-in-europe/Mon, 28 Sep 2026 08:00:00 GMTInvestingWhy your broker blocks US ETFs, what UCITS does for you, how to vet a broker and read an ETF label. Plus a six-step setup for one afternoon. https://markusbehmann.com/blog/msci-world-vs-ftse-all-world/https://markusbehmann.com/blog/msci-world-vs-ftse-all-world/Mon, 28 Sep 2026 08:00:00 GMTInvestingFour global indices, fact sheets of 31 August 2026. Holdings, US share, emerging markets. And why your costs matter more than the logo on the index. https://markusbehmann.com/blog/why-i-built-this/https://markusbehmann.com/blog/why-i-built-this/Mon, 28 Sep 2026 08:00:00 GMTFreedomThree in ten people in the EU can’t pay a surprise bill. Nobody taught them money, and somebody earns well from that. Hence this site. https://markusbehmann.com/blog/everything-bubble/https://markusbehmann.com/blog/everything-bubble/Mon, 28 Sep 2026 08:00:00 GMTInvestingShares, property and debt are all too expensive at once, I think. The numbers, the prophets’ track record and a crash plan that works even if I’m wrong. https://markusbehmann.com/blog/earn-more-beats-saving-more/https://markusbehmann.com/blog/earn-more-beats-saving-more/Mon, 28 Sep 2026 08:00:00 GMTBuildYou can’t save your way below zero. The maths of €100 saved versus €500 earned, and why much of Europe keeps about half of every extra euro. https://markusbehmann.com/blog/first-side-business/https://markusbehmann.com/blog/first-side-business/Mon, 28 Sep 2026 08:00:00 GMTBuildContract, registration, VAT, health insurance, invoices: the no-drama checklist for a first side business in Germany in 2026. Sell first, build later. https://markusbehmann.com/blog/german-pension-maths/https://markusbehmann.com/blog/german-pension-maths/Mon, 28 Sep 2026 08:00:00 GMTPensionPay-as-you-go pensions run on one equation, and ageing breaks it from Lisbon to Warsaw. Seven countries compared, Germany worked through.