Personal finance · Europe

Smart money moves for young professionals in Europe

ETFs, pensions, salary and taxes, explained with European rules, European numbers and official sources. Short videos, free calculators, no hype.

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A 1.5% fee instead of 0.2% on €300 a month for 30 years: −€78,000 Check your own numbers

The pro, our animated host in a suit and red tie, pointing
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The videos most people start with

Wed 21 Oct · 17:00 CET4:57
Pensions & Fees

The Hidden Fee That Steals €78,000 From Your Pension (Check Yours in 5 Minutes)
Fri 23 Oct · 17:00 CET3:34
ETFs & Investing

What Happens to Your ETFs If Your Broker Goes Bankrupt?
Fri 30 Oct · 17:00 CET3:17
ETFs & Investing

The Lazy Portfolio That Beats Most Professionals (Europe Version)
Mon 26 Oct · 17:00 CET3:45
Money Setup

5 Money Moves to Make Before You Turn 30 (Europe Edition)
Wed 28 Oct · 17:00 CET3:22
Money Setup

The 1-Hour Money Setup That Runs Itself (Automate Everything)
Mon 2 Nov · 17:00 CET11:08
ETFs & Investing

How to Start Investing in Europe with €100 (Step by Step)

All 21 videos

Free tools

Run the numbers yourself

The same maths as in the videos, with your own amounts. Nothing you type leaves your browser.

Fee calculator

What does 1.5% really cost compared with 0.2%? See the gap after 10, 20 or 30 years.

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Road to €100K

How long until your first €100,000, and why every next €100K comes faster.

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Emergency fund

How big your buffer should be and how many months it takes to get there.

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Free download

The European ETF Starter Checklist

Four pages that take you from "where do I even start" to your first automatic investment: broker checks, fund checks, and the mistakes to skip.

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Cover of the European ETF Starter Checklist
Tools I use

Apps and books worth your time

Banks, budgeting apps and books we mention in the videos, with what each one is good for and what to watch out for.

Money abroad

Wise

What it is
A multi-currency account and cheap international transfers at the real exchange rate.
Good for
Moving abroad, getting paid in another currency, travelling.
Watch out
Wise is an e-money institution, not a bank: your balance is safeguarded but not covered by a deposit guarantee.
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QR code for WiseOn a computer? Scan with your phone to open Wise in the app.

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Bank

bunq

What it is
A Dutch app-only bank with sub-accounts you can split your salary into automatically.
Good for
The 1-hour money setup: separate pots for bills, buffer and fun.
Watch out
Most useful features sit in paid plans. Compare the monthly fee with what you would actually use.
Budgeting app

YNAB

What it is
A budgeting app built on giving every euro a job before you spend it.
Good for
Tracking every euro for 90 days and finding your money leaks.
Watch out
Paid subscription after the free trial. A free spreadsheet does the same job if you prefer.

See all tools

Why this channel exists

Most money content online is American: 401(k)s, Roth IRAs, US tax rules. If you live in Amsterdam, Munich, Lisbon or Dublin, half of it doesn't apply to you. Money for Europeans explains the European version, with numbers from the OECD, the ECB and other official sources.

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