Learn Personal Finance
Free, practical guides to help you understand and manage your money. No jargon, no fluff. For quick definitions, check the Financial Glossary.
Savings Rate
The most important number in personal finance. Learn how to calculate it, why it matters more than income, and how to improve yours.
Net Worth
The ultimate measure of financial health. Learn how to calculate your net worth, why it matters, and proven strategies to grow it.
Budgeting
How to create a budget that works. Compare the 50/30/20 rule, zero-based, and category-based methods. Tips to stick to it without feeling deprived.
Emergency Fund
What it is, why you need one, and a step-by-step plan to build 3-6 months of expenses as a safety net.
ETF (Exchange-Traded Fund)
The simplest way to start investing. What an ETF is, why it beats picking stocks, how to choose one, and popular options for European investors.
FIRE (Financial Independence)
The complete guide to Financial Independence, Retire Early. Calculate your FIRE number, explore Lean/Fat/Barista/Coast variants, and plan your path.
DCA vs Lump Sum
Should you invest monthly or all at once? Compare Dollar Cost Averaging and Lump Sum investing with an interactive calculator.
Inflation
Why your money loses value over time, the hidden cost of keeping cash, and how to protect your purchasing power through investing.
Compound Interest
The most powerful force in finance. How it grows your investments exponentially, and why it makes mortgages and debt cost so much more than you think.
🇨🇭Switzerland
The Swiss Pension System
How the three pillars work together: state pension (AHV), occupational pension (LPP), and private savings (3a/3b). Where the gaps are and how to fill them.
2nd Pillar (LPP/BVG)
How your occupational pension works. Contributions, voluntary buy-ins for tax savings, capital vs annuity, and what happens when you change jobs.
3rd Pillar: 3a & 3b
Complete guide to the Swiss 3rd pillar. Tax deductions, bank vs insurance, provider trade-offs, and staggered withdrawals.
Investing in Switzerland
Taxes, brokers, US vs EU ETFs, DA-1 form, stamp duty, currency, and the professional trader trap. Everything you need to invest as a Swiss resident.
🇫🇷France
The French Pension System
How the pay-as-you-go system works: basic pension (Sécurité sociale), complementary pension (AGIRC-ARRCO), trimestres, and the retirement age reform.
PER: Plan d'Épargne Retraite
France's tax-advantaged retirement savings plan. Tax-deductible contributions, investment options, withdrawal rules, and how to choose the right PER.
Assurance-vie
France's favourite investment envelope. Fonds euros vs unités de compte, the 8-year tax advantage, estate planning benefits, and how to choose a contract.
PEA: Plan d'Épargne en Actions
The best envelope for stock market investing in France. €150,000 ceiling, tax-free gains after 5 years, eligible ETFs, and PEA vs CTO.
Livrets d'Épargne Réglementés
Livret A, LDDS, LEP, and Livret Jeune. Tax-free regulated savings accounts for your emergency fund and short-term goals.
Investing in France
Flat tax (PFU), tax envelopes, broker comparison, ETF strategy, and the priority order for French residents. Everything you need to start investing.
Put what you learn into practice
Track your income, expenses, and savings rate with Boring Money. See the impact of good financial habits in real time.
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