Germany just turned migration into a game - and you only need 6 points to win. 🇩🇪

In this video, we reveal the truth about the 2026 Chancenkarte (Opportunity Card) and the exact strategies you need to move to Europe’s largest economy without a signed work contract.

Whether you are a software developer, a nurse, or a skilled chef, the rules have changed. We break down the new 2026 financial requirements, the "Travel Insurance Trap," and the 3 personas who are successfully winning the game right now.

What you will learn in this video:

✅ How the 6-point system actually works (The 2026 Rules)

✅ Why the "Entry Ticket" is more important than your points

✅ The Blocked Account "Hack" to save you thousands upfront

✅ How to bridge the gap from a job seeker to a permanent EU Blue Card

Don't just move to Germany - move with a plan. Most people get rejected because they treat the visa as the final goal. We show you how to use the Chancenkarte as a bridge to the EU Blue Card and permanent residency.

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PerFinEx GmbH - Personal Finance for Expats

The #1 English-speaking & Independent Financial Planner in Germany

Further legal information is available at perfinex.de/impressum

In 2026, the infamous Vorabpauschale (Preliminary Lump-Sum Tax) has hit a record high with a base interest rate of 3,20%. If you’re an expat in Germany with an accumulating ETF portfolio in a neobroker like Trade Republic or Scalable Capital, you are about to see a "Ghost Tax" deduction for profits you haven't even realized yet. 💸

In this video, we break down exactly why Germany taxes profits you haven't made yet, how to calculate your 2026 tax bill in 3 easy steps, and the ONLY legal ways to stop the "Tax Drag" from killing your compound interest.

In this video, you will learn:

✅ The 2026 Tax Trap: Why the new 3,20% base rate triples the cost for many investors.

✅ Step-by-Step Calculation: Use our 10k example to find your exact tax bill.

✅ The Foreign Broker Trap: Why using Degiro or Interactive Brokers could lead to accidental tax fraud.

✅ How to Avoid it: The difference between minimizing with the 1.000€ allowance and avoiding it completely with a "Pension Wrapper."

Don't let a small administrative tax turn into a 40.000€ loss in retirement savings over the next 30 years. Watch until the end to see the side-by-side math!

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PerFinEx GmbH - Personal Finance for Expats

The #1 English-speaking & Independent Financial Planner in Germany

Further legal information is available at perfinex.de/impressum

Did you notice a change in your bank account this month? 🤔In 2026, Germany has introduced major updates to the tax-free allowance (Grundfreibetrag) and social security contributions. While some expats are seeing more Netto, others are wondering where their money went.In this video, we decode every single line of your 2026 Lohnabrechnung (payslip). We use two real-world examples: Anton the average-earner and Hans the high-earner to show you exactly how the "Progressive Tax System" and the "Contribution Caps" impact your wallet.In this video, you will learn:✅ The 2026 Tax-Free Allowance: Why the first 12.348€ is yours to keep. ✅ The "Big Two" Deductions: Taxes & Social Security (Health Insurance). ✅ The High-Earner "Cheat Code": Why Hans pays less percentage-wise than Anton. ✅ What German "Netto" differentiates from the US or UK.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

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