Retiring early? First, consider the figures

I regularly talk to people who dream of retiring early. Sometimes that seems financially feasible, until we really dive into the figures together.

I recently spoke to a client who had lived consciously, built up a savings buffer and thought she would be fine. But the analysis showed something else: her pension would not be sufficient.

Retire? Not realistic. In fact, it would pose risks for later in life.

She then wondered whether investing was the solution. A logical thought, but with €6,000 as her only buffer, it was simple: that amount had to remain available. You invest with money you can spare for a long time, not with your financial safety net.

What did work? Insight!

We mapped out her financial situation, including her wishes for the future. With that clarity, we were able to draw up a plan that was both realistic and motivating. No quick profits, but clarity and peace of mind.

A good financial strategy does not start with choosing a product, but with knowing your starting point. Only then can you make conscious choices that really suit you.