Is your 2026 Netto salary lower than expected? 😱

We are breaking down the BIG changes coming to Germany in February 2026— from the "Payslip Shock" to the new DAC8 Crypto laws and the massive tax-free gifts you might have missed.

If you’re an expat in Germany, your finances just went through a major system update. In this video, we skip the boring politics and give you the concrete math on how the new TK Zusatzbeitrag, Social Security ceilings, and Tax-Free allowances actually impact your bank account this month.

What we cover in this video:

✅ The 2026 Payslip Shock: Why your Netto changed (and the math for €57k, €80k, and €105k salaries).

✅ The TK Increase: How the new 2.69% Zusatzbeitrag hits your pocket.

✅ 2026 Tax Gifts: Why the new €12,348 Grundfreibetrag is a win for everyone.

✅ DAC8 Crypto Rules: The end of anonymous trading—what you MUST do in the next 60 days.

✅ The Wealth Mindset: Why Elon Musk is wrong about retirement and why the Greenland crisis doesn't matter for your ETF.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Are you looking for the best broker for expats in Germany in 2026, but feel overwhelmed by all the "Broker of the Year" awards? 🤔

Most people choose their online broker based on a flashy ad, only to realize later that they’re stuck with a "Tax Nightmare" or no English support.

In this video, we cut through the noise and break down the top broker options into 3 simple categories. Whether you want a low-cost Neobroker, a reliable direct bank, or a global platform for your expat lifestyle, we’ll show you exactly how to choose the right online broker for your wealth journey.

Free Broker Comparison Calculator:*

https://perfinex.de/calculator/best-investment-account-in-germany/

ING Depot (Bonus Link):*

https://perfinex.de/goto/ing/

* This is an affiliate link from which we will earn an affiliate commission or referral bonus (depending on the company). By clicking the link, you support our project at no additional costs for you. We thank you very much for your support. As of the date of posting this video, the content is accurate. Some offers may be no longer available.

-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Think your money is safe in a German bank? Think again. 🚨

The recent wave of bank robberies in Gelsenkirchen, Halle, and Cologne proves one terrifying truth: The "Safe German Bank" is an illusion.

100 Million Euro vanished. And the robbers used a professional tunnel and chemical acid to destroy DNA.But this is just the beginning. 😱

In this video, we uncover the financial nightmare facing the victims right now. We explain why your deposit box is NOT insured like your bank account and why filing a police report could surprisingly trigger a tax investigation against YOU.

If you have a deposit box in Germany, you need to watch this.

-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Is your financial reputation in Germany a total mystery? 🤔

That is about to change. For nearly a century, the SCHUFA algorithm has been a "Black Box," judging your ability to get an apartment or a loan based on over 250 secret variables. But starting in March 2026, the "Next Generation Scoring" system is moving into the light.

In this video, we decode the leaked internal formula that will control your life in Germany. We move away from the confusing 0-100% Basisscore and dive into the new point system ranging from 100 to 999. Most importantly, we reveal the 12 core criteria that now determine your score — and how you can optimize them.

What you will learn in this video:

✅ The 12 Criteria: We break down the 12 pillars of the new algorithm, from the age of your oldest account to your "Wohnstabilität".

✅ The 100-Day Rule: How to get negative entries deleted in half the time (18 months instead of 3 years) if you act quickly.

✅ Debt Management: Why having a mortgage is actually a "Power Signal" for your score.

✅ The "Data Cockpit": How to use the new free digital account to see exactly what the banks see.Don't let a "ghost in the machine" decide your future. Watch to learn how to master the new formula before it goes live.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

In 2026, the German government is giving you a massive tax cut, but your bank is about to take money out of your account. Why? And how do you stop it? 🤔

In this video, we simulate 3 different investment strategies for the average German expat ("Max Mustermann") to see which one actually builds wealth in 2026. We test the "Lazy ETF" route, the "Tax-Free Crypto" loophole, and the "Leveraged Real Estate" strategy.

The investing "Wild West" in Germany is officially over with the new DAC8 law. If you want to keep your 2026 tax cut and avoid the Vorabpauschale trap, you need to watch this.

🔍 WHAT YOU WILL LEARN:

✅ The 2026 Tax Trap: Why your broker will deduct money from your account in January 2026 due to the Vorabpauschale.

✅ The ETF Strategy: How to use the Freistellungsauftrag (Exemption Order) to save taxes on your ETFs.

✅ The Crypto Loophole: How Bitcoin and Gold can be 100% tax-free after 1 year—and why the new DAC8 Directive means you can no longer hide your crypto investments from the Finanzamt.

✅ Real Estate Leverage: How to use "good debt" to lower your income tax and turn taxes into equity.

-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Where does your tax money really go? 💸

The German Government claims they have a plan for 2026. But the Federal Auditors (Bundesrechnungshof) just released a report that tears that plan apart.

In this video, we dig through the 2,000+ pages of the 2026 Draft Budget to uncover the truth. We found "Shadow Budgets," hidden debts, and accounting tricks that would be illegal for a normal business. 🚫

We break down the Top 8 Spending Blocks using a simple "10 Euro" experiment. For every 10€ you pay in tax, the Government claims to spend 10€. But when you add up the real costs found by the Auditors... the math doesn't add up.

👇 IN THIS VIDEO YOU WILL LEARN:

- Why the Transport budget didn't go down—it actually DOUBLED. 🛣️

- The "Garage Mortgage" trick used to hide billions in debt interest. 🏠

- How the Military is using "Defense Debt" to fix potholes. 🪖

- The "Fictitious Saving" of 600,000 unemployed people that don't exist. 📉

If you want to know if your money is being invested or burned—watch this until the end.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Finding an apartment in Germany feels like playing a lottery where thousands of people fight for a single prize. And if you are an expat? It’s even harder. 🏠🇩🇪

In this video, we reveal why the German housing market is so broken in 2026 and show you the exact step-by-step strategy to skip the line and secure a rental contract in record time. Most expats make simple mistakes — like misunderstanding "Warm Rent" or sending the wrong documents — that get their applications deleted instantly.

We’ll show you how to build the "Golden Portfolio," how to spot the dangerous "Staffelmiete" trap, and we’ll reveal the one photo Axel took during a viewing that saved him 5.000€ in deposit money.

📝 What You Will Learn in This Video:

- The 30% Rule: How much rent you can actually afford based on your net income.

- The "Golden Portfolio": The exact PDF structure that landlords love (Anschreiben, SCHUFA, Salary Slips).

- ImmoScout Hacks: Is Premium worth it? How fast do you need to react?

- Scam Warning: How to spot fake landlords and the "Western Union" trick.

- The Handover Protocol: Why documenting scratches and stains is the most important financial decision you make on moving day.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

The German government officially passed the massive "Rentenpaket II" - and hidden inside is a new law that could save you thousands of Euros. It’s called the "Aktivrente," and it allows you to earn up to 24.000€ completely tax-free starting in 2026. 🤑

But is this really a gift from the government, or just a desperate attempt to fix the "Fachkräftemangel"? And most importantly: Is it worth waiting until you are 67 to get this tax break?

In this video, we skip the boring political talk and break down exactly how the Aktivrente works, calculate the real net savings for a standard German salary, and discuss the "unfair" catch that excludes freelancers and self-employed people.

In this video, you will learn:

✅ What the "Rentenpaket II" actually changes for Expats in Germany.

✅ How the Aktivrente works (The legal 0% Tax Trick).

✅ The Calculation: How much Net Income you actually gain (Real Numbers).

✅ Why the "Progressionsvorbehalt" does NOT apply here (Huge for Expats!).

✅ The criticism: Why experts call this law "unfair" and "discriminatory."

✅ My personal verdict: Should you stay in Germany for this deal?-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum