Guide
German provision and insurance have been made complicated — not because they must be, but because confusion sells well. Here I explain the subjects the way I would in person: with numbers, with examples, and with the counter-arguments that usually get left out.
Private vs statutory health insurance — the honest comparison
When private cover is genuinely cheaper, when it becomes a trap, and the four questions that actually decide it.
Salary conversion: what actually reaches you?
The company pension saves tax and contributions today and charges both back later. A complete calculation across both phases — with an interactive calculator.
Retirement savings and tax: what is actually deductible
Three layers, three tax logics. Which framework fits which income — and why the biggest tax break is not automatically the best decision.
More to come
New pieces appear irregularly — whenever a question comes up often enough in practice to deserve its own text. Short versions live on Instagram and YouTube under @sca_finance.
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