Jenni · 2023-11-27T14:34:31.431934Z

I always find it interesting to see how much people earn and can save. I'd love to tell you! current net salary / savings rate for me it is: 2800 / 1500 (of which only 500 goes into the custody account)

1Yr

Of course, nobody here goes home with less than 3000 net 🌚

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Das Portfoliopferd@Portfoliopferd

1Yr

@Der_Dividenden_Monteur after student loan and alimony I come to 2300€ excl. bonuses 😅😅

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Staatsmann@Staatsmann

1Yr

@Der_Dividenden_Monteur net after savings rate, right? 😉

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Sparfuchs@Reinecke

1Yr

@Der_Dividenden_Monteur It's like the urinal - everyone has >20cm but in the end everyone goes into a cubicle and pees sitting down. But ok, I can't anyway if someone is standing next to me 😏

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Scharre@Scharre

1Yr

@Der_Dividenden_Monteur so unfortunately I only earn €2,870 net

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Scharre@Scharre

1Yr

But 34 days of vacation and a 32.5-hour week

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Ina M.@peacock

1Yr

@Der_Dividenden_Monteur Ha. Me as a waitress with 2300 € net. Sometimes less, depending on the night / late shift supplement. And we don't have a single public holiday off in the year. Savings rate of € 800 with a 3 account model. Savings quota is still divided between these. For further training, travel, unforeseen major events.

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Kevin E.@KevinE

1Yr

@peacock at least bonuses - I don't know that from friends in the restaurant business. But I think that's good. 2.3k is on top of tips, I suppose?

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Ina M.@peacock

1Yr

@KevinC That's how it is... Thank God 🙏

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Daniel@Animizio

1Yr

Educator with 2200 net... sad story 😂 Savings rate is currently still being tested...

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Bilal N.@NBILALN

1Yr

@Der_Dividenden_Monteur Low earner, minimum 10 000CHF everything else would be beneath dignity

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Femke@femkelbn

1Yr

899.81 current net salary and €135 fixed savings rate. At the end of the month there is usually something left over, which is additionally invested, but the amount varies each month. ☺️

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Dennis@GordonGekko83

1Yr

You're all single and don't have children, right?

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Paddi E@Absolem

1Yr

@GordonGekko83 and no other life xD

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Alpalaka@Alpalaka

1Yr

@GordonGekko83 I already have a broom at home ;) But it also earns quite well

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Dennis@GordonGekko83

1Yr

@Absolem That's right! Millionaire in front of the TV and later bequeath everything to the church😆 At least you've done something for the "Almighty". The next Mercedes for the priest!

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Marius@Marius414

1Yr

@GordonGekko83 Living in Switzerland as a partner is even better. No children and half the rent 😜😂

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Sparfuchs@Reinecke

1Yr

@GordonGekko83 you don't have to invest in everything and if you do, condoms protect just as well as an SL.

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SheldonCooper@TaSC

1Yr

@GordonGekko83 I usually think that too. I also have colleagues who can save €2000 a month. They all still live with mom, of course. 😅 Can also be quite nice and beautiful, but whether that's the fulfillment 🤷🏽‍♂️. Still, it's great if you have everything at your disposal, no question.

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Keks@Keksbaer

1Yr

2400/800 with wife and 3 children

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UnknownMakaroV601@UnknownU

1Yr

Cocaine and whores, German cars, Swiss watches🔥

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Dirty30@Dirty30

1Yr

3000/700 and from next year 3200/1000. No children, no car, no alcohol, no smoking, no sauna club

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Dennis@GordonGekko83

1Yr

@Dirty30 completely kosher?! I praise you for that 👍😆

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Epi@Epi

1Yr

@Dirty30 And what do you live for then? 🤔

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Luca H.@LMHNK

1Yr

@Epi Drugs were not excluded 😂😂

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Enrique@Dividenden_Monteur

1Yr

@LMHNK Nor was the Laufhaus excluded 🤝 only the sauna club

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Dirty30@Dirty30

1Yr

@Epi Travel and festivals

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Epi@Epi

1Yr

@Dirty30 Ditto, as long as the world is still big and beautiful and there are nice people with good music...

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Dirty30@Dirty30

1Yr

@Epi That's exactly how it is 😎

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Sparfuchs@Reinecke

1Yr

@Dirty30 and coke 🤨 ?

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Kevin E.@KevinE

1Yr

In my view, there are too many views on what counts as saving. Keywords: Pension payments Private pension insurance Paying off privately used property "Saving" for vacations Savings plan for a nest egg, etc. Everyone feels they have a different definition.

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Uwe@SchlaubiSchlumpf

1Yr

@KevinC yup, it's easy to talk past each other here. Some people are civil servants, others are employees and others are self-employed. The employee/civil servant would not count old-age provision in the SPS/earning a pension as saving. As a self-employed person, I would count a retirement savings account or real estate as saving, but not Rürup or voluntary pension contributions.

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devnerd_daddy@devnerd_daddy

1Yr

@KevinC I'm absolutely with you. I invest very little € in the portfolio, but I pay off several loans for the house, have a Rürup, a Riester, etc. The bottom line is that I've achieved a mega return with my house and I'm diversifying my securities with the other two contracts.

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Kevin E.@KevinE

1Yr

@devnerd_daddy I can understand your view. On the other hand, you also have to consider that it simply means a higher quality of life for you, but the assets are tied up in the house - possibly until the end of your life, so you have little of the potential increase in value. It's always a question of how you define it. Someone with a nice, paid-off, large apartment in Munich worth 1.5 million can certainly be described as wealthy. However, the person doesn't necessarily feel that way if living there is generally expensive and you don't have a huge income.

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devnerd_daddy@devnerd_daddy

1Yr

@KevinC In general, I agree with you, in my particular case I bought below value at very good conditions 😄 The total repayment target is under 15 years, I already have 5. But as I said, this is my very specific case. I feel really sorry for all the people who built here 5 years ago for a horrendous amount of money.

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Mrcs247@Mrcs247

1Yr

3900/1300 and feel like I'm living a lavish life here in the bubble and am an absolute low earner😂

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Felix@Investor_in_Jogginghose

1Yr

3000/ 2000 approx. and also everything in the depot that is possible.

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Matthias R.@Matthroe

1Yr

4000/3000

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chris B.@Richirich

1Yr

9900.-/4500.-

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Alexander R.@Makeyourfinancegreatagain

1Yr

@Richirichwhat yields EUR 9,900?

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chris B.@Richirich

1Yr

@Makeyourfinancegreatagain CHF:-)

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Alexander R.@Makeyourfinancegreatagain

1Yr

@Richirich and what can you do for CHF 9,900? 😉

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chris B.@Richirich

1Yr

@Makeyourfinancegreatagain 2 incomes,wife and me:-)

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Sandy the Squirrel@Esperanza

1Yr

900/500

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GeW@Schurdl

1Yr

Work part-time, net approx. 2000€ / savings rate 900€

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Infernal L.@Infernal_Lion

1Yr

Trainee second year of apprenticeship as tax clerk 950€ net 500€ -> saving for car 100€-> Crypto 30-50€ -ETF, share Rest are fixed costs or simply to treat yourself to something.

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Staatsmann@Staatsmann

1Yr

@Leb_Trader How much gross do you have as a SteFA? 🙈 Apparently you are exploited just like the Refa or NoFa 🙈

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Infernal L.@Infernal_Lion

1Yr

@Staatsmann Actually got 1050€ gross was increased to 1200€ gross a month ago

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Staatsmann@Staatsmann

1Yr

@Leb_Trader "Which federal state? Small office or larger tax consultancy firm?

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Infernal L.@Infernal_Lion

1Yr

@Staatsmann yes that's true, it makes a lot of difference when you're young. i'm in nrw, medium-sized law firm, i'd say about 40 employees

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Infernal L.@Infernal_Lion

1Yr

@Staatsmann But I have to say that nothing else is paid, no inflation premium or anything like that

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Business P.@businesspepe

1Yr

3200/1800. No children, 1 car. Rent shared.

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Achim@Finanzfrosch

1Yr

As I always earn different amounts as a fitter, it's difficult to say, anything between €3000 and €10,000 is possible, savings rate of €1500-3000

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Date von @Epi@DonkeyInvestor

1Yr

You can take a look at the getquin 2023 census https://getqu.in/FPSIo3/

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Lukas K.@Lukas_kr100

1Yr

I have a net salary of €4200. Of this, €3000 goes directly into the custody account. I live with my girlfriend and have no children.

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Marco@HodlReiniger

1Yr

1900, 150 savings plan, but regular purchases of larger tranches.

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Raphael@Chorizo

1Yr

2500/ 750 🥹

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Deleted User

1Yr

Comment was deleted

Raphael@Chorizo

1Yr

@AufziehenderDichterHebel Love goes out 🥰

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Andre@DivGrowth1989

1Yr

approx. 5000/900 2 children, married, pay off 2 houses, one of them rented (not including rental income) The way I see it, we spend too much money :D:D What do you all live on? :D

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Marco@DivInvestor

1Yr

3200 / 1000

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Alpalaka@Alpalaka

1Yr

I was shocked to discover at the weekend that I put just under 45% of my net salary into the deposit in 2023. But that's probably because the second "mainstay" went pretty well. Edit: 3500/1600

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Enrique@Dividenden_Monteur

1Yr

@Alpalaka please tell us more about your Standbein

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Alpalaka@Alpalaka

1Yr

@Der_Dividenden_Monteur I already had two mainstays, now I've added a third ;)

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finanzperpetuum@finanzperpetuum

1Yr

@Alpalaka Is there somewhere here at gq where you can see what you have paid in over a certain period of time? I haven't found anything yet, but it would be really interesting.

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Alpalaka@Alpalaka

1Yr

@finanzperpetuum At a competitor, it is also stated in the YtD performance, but it is also planned that it can be broken down for each separate year

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finanzperpetuum@finanzperpetuum

1Yr

@Alpalaka 👍🏼 @Kundenservice

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Kundenservice von getquin@Kundenservice

1Yr

@finanzperpetuum
https://feedback.getquin.com/b/feature-requests/investiertes-kapital-im-graphen-der-performance/ You can then also see how the invested capital changes and how much has been paid in.

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finanzperpetuum@finanzperpetuum

1Yr

@Kundenservice I'm looking forward to it 👍🏼🙂

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Marc@Marc_CH

1Yr

12000/4000

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Tom@Tomtom12

1Yr

4000/2500 running

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Wettyx@Wettyx91

1Yr

No rent?

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KeulenKalle@FuReg

1Yr

7k/2k

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worklife-lessbalance@whateverrrr

1Yr

Income varies, but between 1.5k and 2k - but a part already comes from a passive income

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Therealjim@Therealjim

1Yr

2700/1250 🫡

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Wettyx@Wettyx91

1Yr

@Therealjim with a rent that is pretty low or no rent, right?

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Therealjim@Therealjim

1Yr

@Wettyx91 Rent, electricity, food, everything that goes with it. But I live in a shared apartment.

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FlexXandy@FlexXandy

1Yr

That's bad, I also work for a tax consultant in NRW and get €100 a month to compensate for inflation. Unfortunately, the pay is usually not that great for what you do.

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