ПЕНСИИ В ГЕРМАНИИ БОЛЬШЕ НЕ БУДЕТ? Как выжить в старости: Реформа 2026

Is Germany's state pension no longer enough to live on? In this episode, independent financial consultant Vitaly reveals the harsh reality of the German pension system (Gesetzliche Rentenversicherung). We'll break down the real numbers, use a calculator to calculate how much you'll actually receive, and why even owning your own home at age 70 might not save you from having to work. Inside the video: — Why expats from the former Soviet Union don't believe in the German pension system? — How are pension points (Entgeltpunkte) calculated and how much is 1 point worth? — The harsh truth about taxes and social deductions on pensions. — What's the biggest mistake when buying real estate "for yourself" instead of investment property? — How compound interest (Zinseszins effects) works, using a specific example. Watch to the end to understand how the 2026 pension reform works and why you need to start saving now! For questions, please contact [email protected] 00:00 — The Main Problem: Why Do People in Germany Think About Retirement Too Late? 01:36 — The Distrust Syndrome: Why Expats Don't Believe in Pension Funds 02:40 — At What Age Do Germans Start Panic? (Analysis of Rentenbescheid). 03:35 — A Hidden Trap: Taxes and Social Security That Will Take Half Your Pension 05:20 — How Much Do You Need to Work and Earn to Get Any Pension in Germany? 05:43 — How Are Pension Points Calculated: Example for a Gross Salary of €4,400 06:33 — Realistic Calculation: How Many Euros Will 10 Years of Work Bring to Your Pension? 7:40 AM — Pension provisions for the self-employed (Selbständige): a unique opportunity or a disaster? 8:50 AM — Announcement of pension and healthcare reforms for July 2026. 9:55 AM — Financial analysis of clients: living on credit and the illusion of wealth. 11:15 AM — The real estate trap: the story of a 70-year-old retiree with a huge house and an €800 pension. 12:24 PM — Buying a car on credit versus investing in square meters. 12:40 PM — How platforms (PayPal, Amazon) get people hooked on hidden loans (Ratenzahlung). 1:40 PM — The mentality of the post-Soviet space: "All the best for children" and what it leads to. 2:43 PM — Official statement by the German leader on April 21: "We are not raking in the dough." A call for private investment. 3:53 PM — What's in store for the German investment property market? Tax write-offs. 4:15 PM — Visual breakdown on the screen: Compound interest calculator. 5:25 PM — How much will €200 per month yield in 10 and 20 years at 6% per annum? 6:20 PM — What are hoarding funds and a dividend strategy? 6:24 PM — Strategy calculation: if you save €300 per month. 7:00 PM — Key takeaway: the importance of discipline and expense control. Pension in Germany, living in Germany, rentenbescheid, German pension, investing in Germany, financial advisor Germany, pension points Germany, taxes in Germany, Germany 2026, pension reform Germany, how to save for retirement, compound interest, zinsen berechnen, real estate investments in Germany, ETF Germany, self-employed rent, Russians in Germany, financial literacy, loans in Germany, where to invest money in Germany #pensioningermany #lifeingermany #investmentsgermany #financesgermany #taxesgermany #germany2026