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Text comes from the book: "Pension or prosperity: those who rely on pension will never be financially free!" (2019), published by Münchener Verlagsgruppe (MVG), reprinted with the kind permission of the publisher.

Here writes for you:

Best of HR – Berufebilder.de®Bodo Schäfer is an author, speaker, entrepreneur and financial pioneer according to FAZ. Schäfer grew up in Cologne. At the age of 16 he attended high school in California and began studying law on his return to Germany. After he was in debt at the age of 26, with the help of his first coach he managed to achieve financial independence within a few years and he was able to live from the income of his money at the age of about 30. Schäfer is considered a money coach and deals with the Topics of money, wealth and positioning. His books like “The Road to Financial Freedom”, “The Laws of Winners” or “A Dog Called Money” became bestsellers and translated into several languages, e. B. in English, Korean and Russian. In the book “Generation Golf” his book “The Path to Financial Freedom” is characterized as the “ultimate bestseller of our generation”. The FAZ ascribes a pioneering role to the author and the book.

Get rich and stay rich through pension financing? So is making money and retirement planning alla Florida

For the future, experts expect that every second German will live below the poverty line. What helps, however, is suitable pension financing so that financial freedom does not remain a dream.

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The pension: Heiner Geißler believes in miracles

There will be a two-tier society: wealthy privateers and poor retirees. What can you do? Let me tell you a story about this:

Shortly after this text appeared for the first time, Sandra Maischberger invited me to her show. I should discuss the pension with Heiner Geissler. He believes in retirement - I don't. I asked Heiner Geissler: “How is that supposed to work? When all the facts clearly show: the pension is shrinking. Anyone who earns 1.700 euros net today will have to get by on 600 euros. According to today's purchasing power. ”Heiner Geißler actually said in a general sense:“ If everyone earns three to five times as much, then it works. ”So he believes in miracles.

I said, “If I'm wrong, everyone will be better off later than I think. If you are wrong, millions of Germans will become impoverished in old age. ”Basically, until now we have had a choice: we could strive for financial freedom ourselves or we could rely on the security of the state pension. We no longer have this choice today. The security we know will no longer exist in the future. The changes will be dramatic!

There will no longer be an old-age pension

Old-age pensions as we know them will no longer exist in the future. Who today earns 1.700 Euro net will have less than 600 Euro pension according to today's purchasing power. The state pension is like a huge pyramid scheme that is now collapsing. You cannot expect more than a minimum basic pension in the future. You may be surprised at what you are reading now: This development does not only have negative sides. Because that Concept ABC School Joke Oud The state pension was one of the greatest mistakes of the modern age. What was sold to the population as a blessing was actually a curse.

This concept has caused millions of people to become carefree and fall victim to a major seduction: believing in the security that the state would offer, people gave up their dreams and freedom. You have forgotten how to take care of yourself and have become financially dependent.

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The chance for independence

In fact, I think the development of state pension insurance is a great opportunity. Everyone is finally clearly responsible. Now there can be no doubt: your wealth and your livelihood are now your private affair. You have to do your own financial protection, because nobody will do it for you. Make yourself independent of the state pension. It will hardly be possible to live a decent life in a few years without your own money.

"In 2032, every second pensioner will only receive a Hartz IV pension."
says a pension expert Professor Meinhard Miegel. And Walter Riester said: "No pension system, however good, can cope with the fact that fewer and fewer contributions pay more and more pensioners for an ever longer pension."

How much is my pension really?

Many people do not like it when the finger is raised in warning.
I do not like it too. I'm far too positive to be afraid of horror scenarios. Do you feel the same? And yet we cannot simply ignore all dangers. At least some caution is wise. Do you agree with me?
Well! Because we can avoid many mistakes; when we see them clearly. But what if we are not suspicious? What if it only turns out years later that it was a mistake? When only after decades do the connections become clear and the consequences obvious? Perhaps then we will realize: I have fallen into a trap. I should have known, and inside I knew it too ...

We are experiencing a historic turning point: never before have so many people in a generation been in danger of falling into bitter poverty so quickly. And it has never been so urgent to build wealth yourself. In fact, only a few changes are necessary. You don't have to change your lifestyle so much. But there is a hurry: you have to make some conscious choices and put a number of systems in place. Many will have to live below the subsistence level for a few decades because they don't want to see the dangers ahead; including many who don't even suspect that today.

They have no suspicion and trust the promises of our state. This blind trust will one day turn out to be a huge mistake. The consequence of this mistake means poverty. Others are preparing; so they will be able to take advantage of unforeseen opportunities. The main requirement is that you give up the idea that others have to take care of them. They take their financial destiny into their own hands.

The shrinking pension

The pension is shrinking. And it shrinks much faster than official agencies admit. Today, every third pension is already below the level of social assistance. This is the bad news. Now the very bad thing: In the long term, the pension will drop to an unimaginably low level: future pensioners will have to make do with a pension of approximately 40 percent of their average gross earnings. Many will have less than 600 euros available - based on today's purchasing power.

Please read this sentence again. Most people who are under 50 today will have to make do with a state pension below 40 percent of their usual income. If you are well aware of this, you do not have to read the first part of this book. However, reading it will most likely reinforce your resolve not to rely on anyone financially.

The pension is secure?

Because you know, "My pension is not safe." If we use the word "safe" in connection with the pension, then we say: "The pension will certainly be very, very small , That's why I have to take care of my retirement myself. ”

But if you say, “Well, now he's exaggerating. You shouldn't look at it all in such a dark way ... «- then I recommend that you read the first part of this book as well. Inform yourself; Form your own opinion. You will see that I am not exaggerating. I am only pointing out a real danger that each of us can avert by doing the right things in a timely manner.
In the future we will no longer be able to rely on the help of the solidarity community. Because they will lack the means.

Those who are with 50 today experience something unsatisfactory: For decades they have supported others with their contributions throughout their working lives; and when he is old there is hardly any money left for him. We cannot hope for pity. Because the following generations may say: "Blame yourself! You finally decided to have fewer children. ”


In fact, you can only expect a little extra income from the state pension. A mini pension below 600 Euro is extremely little. It means living below the poverty line. That is why experts today largely agree: About half of all future retirees will probably live in old age poverty starting at 2025. Old-age poverty means that these people only receive a pension equal to or less than the social assistance rate. The pension expert Professor Bernd Raffelhüschen says: "In 30 years, we will at most reach a gross pension level of 38 to 40 percent." However, inflation is not yet taken into account. According to today's purchasing power, most pensioners will have to make do with a state pension of less than 600 euros.

Does that sound completely exaggerated and implausible to you? I can understand that well. But look at how much you would get if you retired TODAY.
For example, suppose you turned 66 today and worked 44 years. Let's say you last earned $ 2.500. Then you have around 35 pension points. For each point there is 29 euros - that results in a pension of 1.015 euros. Health and long-term care insurance are deducted from this. So you have 900 euros net today. If you have paid your rent now, there is not much left for a good life.

That applies TODAY. In 15 to 20 years, these 900 euros will have shrunk further. Firstly through further cuts in pensions and secondly through inflation. In our example, this is around 600 euros. Maybe you are asking now: How can this be? You probably already know that our pension is in bad shape. However, very few know exactly how bad it looks and why it is. We take a quick look at the reasons. But first take a trip to Florida with me ...

Conditions like in Florida

Have you ever been to Florida? If we walked through some residential areas of Miami together, we would get an unfamiliar picture: the people on the streets are mostly old. Most are well over 65 years. Imagine this picture: Almost every person we meet on the street is 65, 70 or older. At first we probably don't notice it at all. There are houses, gardens and cars like anywhere in the world. But suddenly you feel: something is different here.

And then you finally discover what is so unusual: there are no children playing, no happy laughs, no young people who go to work with dynamic steps; it is strangely quiet. People move more slowly; they are ... old. In fact, many of the streets in the suburbs of Miami resemble a large retirement home. You experience a similar scenario in restaurants and shops: the people you serve are young. But most of the people who eat and shop there are old.

In the center it is not quite so noticeable, but in the residential areas the age structure seems almost depressing. On my last visit there I spontaneously thought: I definitely don't want to live here. Then I got to the bottom of it: I counted for an hour how many of 100 people were clearly retired. The situation surprised me: there were two younger people with 14 older. I thought it was a coincidence. So I counted again in another part of the city. The situation was similar. And that was not only the case in Miami, but also on the other side of Florida, for example in Fort Myers.

The young and the old live separately

There are places in Florida where students meet to celebrate: Fort Lauderdale, Key West. Families with children go to the amusement parks in Orlando. But many normal residential areas on the coast are populated by pensioners.

Why am I telling you this in such detail? Because it will look the same here in Germany - in a few years. Seen in this light, the trip to Miami is for us a journey into the near future of Germany. But you don't even need to go to Florida to experience such a scenario. Something similar is already happening in Bad Neuenahr and in many other health resorts.
An above-average number of elderly people live in these health resorts; most young people don't really feel at home there. They go there to work, but they prefer to live in local areas
with other young people. In a relatively few years, every second citizen will be over 60 years old. Of course, this has an impact - on many areas of our lives. Futurologists and writers have vividly described what our everyday life might look like. If you want to get an impression, I particularly recommend Frank Schirrmacher's book "The Methuselah Conspiracy".

In one aspect, however, the comparison between today's Florida and Germany from 2025 lags; because there will be a major difference: there are many luxury retirees living in Florida. The elderly with money gathered there to spend their retirement under the sun. Money doesn't matter to most of them. You have tremendous purchasing power; and because they have a lot of time, they buy and consume a lot. Very much. There will be similar areas in Germany, probably especially in Bavaria and Baden-Wuerttemberg, where we are experiencing population growth. But in large parts of Germany it will be completely different: they will go away and decay. Bitter poverty will prevail in them. Overall, experts expect that every second German will live below the poverty line. There will be wealthy private individuals and poor pensioners.

The scissors widen

This headline haunts the gazettes: the gap between rich and poor is widening. The rich get richer and the poor get poorer. Florida conditions contribute significantly to this. The aging of large parts of our country will create a two-tier society that we can hardly imagine today. Whenever a system changes, there are a lot of losers, but also a large number of winners. This brings us to an important point: I am not concerned with scaremongering. I don't want to spread the doomsday mood. On the contrary: Especially when there are major changes and a lot is changing, there are great opportunities.

We have to prepare for that. But we shouldn't be ignorant of the dangers either. If you haven't suspected state pension so far, this book will help you avoid one of the biggest mistakes of your life. This brings us to the crucial question.

The situation has changed significantly. Everything seems to be as usual. Yet we can see the harbingers of change all around us. The mood in Germany has already changed. It is already shaped by demographic change. We can see the leaves moving - but the storm is yet to come. With "The Road to Financial Freedom," I wanted to appeal to people who want to live a prosperous life, whose desire for joy was greater than their fear and comfort. I wanted to show you the way my coaches had shown me. In the meantime, many have followed this path, but many have not. A third group has started to do something half-heartedly. But not consistently enough. I am in contact with all three groups. I wanted to know why the second didn't change anything and the third group hardly anything.

Money alone does not make you happy - neither does poverty?

The answers were almost always similar: "It was not so important to me", "Money does not make me happy", "I am also so well", "I lack the last drive". The answer of those who hardly do anything is: »Later! It's not the right time for that at the moment. ”I am also writing this book for the two groups who are doing too little or nothing for their financial future. I want to make it very clear that the situation in Germany will change noticeably soon; You will have to take money seriously in the future.

That is new. So far, you've been able to lead such a comfortable life. In the future, however, there is a threat of bitter poverty. Money is certainly not everything, but happiness is difficult to achieve without a minimum amount of money. That is why in the future it will not be the case that someone can say: "I'm doing so well too."
I refuse to believe that a life below welfare can easily be dignified. Perhaps the prospect of joy and prosperity is not enough motivation for you. Then I hope the fear of impending poverty will lead you to action. My hope is that the first part of this book will provide the final impetus for action. Now. Not at some point. Immediately, because time is of the essence ...

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