The 2026 layoff wave has officially hit Germany. 😱

With over 150.000 jobs cut and 40% of companies planning further reductions, the "safe" corporate job is a thing of the past. For Expats on a Blue Card, a layoff can feel like a ticking time bomb for your residency.

In this video, we break down the "No-Panic" Roadmap to protect your finances and your visa. We dive deep into German social security to show you how to navigate the bureaucracy, secure your 12-month "payout (Arbeitslosengeld)," and use the law to your advantage.

In this video, you will learn:

✅ Residency Myths: Why your Blue Card does NOT expire the day you lose your job.

✅ The 3-Week Rule: How to use the Kündigungsschutzklage to negotiate a higher severance.

✅ The Severance Trap: Why signing an Aufhebungsvertrag could cost you 3 months of pay.

✅ The Money: How much ALG I you’ll actually get in 2026 (including the new caps).

✅ Health Insurance: What happens to your coverage if you are Private vs. Public.

✅ The Danger Zone: Why Bürgergeld is a massive risk for your 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

Did you know the average tax refund in Germany is 1.172€? 🤑

But in April, everything is changing. From the final tax deadline to a massive 4% interest strategy and a controversial 80.000€ tax reform - we are breaking down the 5 BIGGEST financial changes you need to know this month.

📝 WHAT YOU WILL LEARN:

- Tax Deadlines: Why April 30th is the "hard" cutoff for 2024 taxes if you use an advisor.

- Digital Government: How the "MeinELSTER+" app's 1-click filing works (and why you might lose money if you use it blindly).

- Interest Rates: Why Scalable Capital’s 2,5% is just the beginning and how to find 4% in Europe.

- Pension Reform: The brand new "Altersvorsorgedepot" starting in 2027—including how families get a 100% government match.

- Political Shifts: The CDU's plan to move the "Spitzensteuersatz" of 42% to 80k€.

💰 File your taxes in English (with Bonus):*

http://perfinex.de/goto/wundertax

📈 Get 4% Interest on your savings:*

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

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* 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 no longer be available.

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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

Are you leaving 1.172€ on the table? 🇩🇪 💰

9 out of 10 people in Germany get a tax refund - but most expats NEVER file because they think the system is too complicated. We’re changing that TODAY. 💪

In this ultimate 2026 tax guide, we combine the BEST hidden tax-saving hacks with a simple, step-by-step tax filing speedrun. Whether you have zero receipts or you’re a high-earner looking to slash your tax bill - this video is for you.

In this video, you will learn:

✅ The "Free Money" Speedrun: How to claim 1.230€+ without a single receipt.

✅ The 2026 Expat Trap: Why your worldwide income could lead to a manual audit.

✅ High-Earner Hacks: How to deduct up to 30.826€ when investing in ETFs.

✅ Tool Battle: Elster vs. Tax Apps vs. Professional Advisors.

Don't let Finanzamt keep YOUR hard-earned money. Watch until the end to see how to "pool" your expenses and trigger a MASSIVE payout.

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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

Is World War 3 inevitable, and should you sell your entire portfolio before it’s too late? 📉

With the Iran-U.S. escalation, oil prices hitting 100€, and the MSCI World falling from its February 2026 all-time high, the panic is real. As an Expat in Germany, you’ve worked hard for your "Safety Net," but the headlines make it feel like that security is vanishing.

In this video, we strip away the noise and take a 100% rational look at the current global crisis. We break down the "Shadow War" in the Middle East, the economic reality of the Strait of Hormuz blockade, and what history tells us about investing during a global conflict.

What we cover in this video:

✅ The Historical Speedrun: Why "this time is different" has been said in every crisis since 1929.

✅ The 2026 Reality Check: The math behind 100€ oil prices and 2,5% German inflation.

✅ Investing During Crises: Why missing just 10 days of market recovery can cut your return in HALF.

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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 know the German government gives you 12.348€ completely tax-free? 😱

Most expats ignore this "secret," but understanding it is the key to mastering your finances in Germany.

Germany is often called a "high tax country," but that’s only half the truth. In this video, we reveal the "Grundfreibetrag" – the basic tax-free allowance that ensures your first 12.348€ (or 24.696€ if you're married) is taxed at exactly 0%.

We’re breaking down the math of the German progressive tax system to show you why your "Average Tax Rate" is much lower than you think. Plus, we reveal the "42% Deduction Hack" – a strategy that lets high-earners get massive refunds from the state on professional expenses like laptops, home offices, and moving costs.

In this video, you will learn:

✅ How the 12.348€ tax-free limit works in 2026.

✅ The difference between Marginal and Average tax rates (and why it matters for your net pay).

✅ How to get a 42% "government discount" on your career-related expenses.

✅ Why your tax bracket is actually your biggest wealth-building tool in Germany.

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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

Gold just surged over 82% in the last 12 months. 📈

But while most investors are celebrating, many Expats in Germany are walking straight into a 47% tax trap. 😱

In this video, we break down the "German Tax Miracle" and show you why Germany is actually one of the best places in the world to own Gold - if you know the rules. We compare physical gold, gold ETCs, and gold ETFs to reveal the one legal loophole (§23 EStG) that allows you to keep 100% of your profits tax-free.

What you will learn in this video:

✅ The 82% Surge: Why Gold exploded in 2025 and if it’s too late to buy.

✅ The Tax Trap: How selling at the wrong time can cost you 47% in taxes.

✅ Jewelry vs. Investment: Why buying gold jewelry is a 19% "instant loss."

✅ ETFs vs. ETCs: Why "Sondervermögen" matters and how to avoid 25% Abgeltungsteuer.

✅ Physical Gold: Why LBMA-certified bars are the ultimate "Emergency Exit."

✅ The Strategy: How to use Dollar Cost Averaging to build your safety net.

Gold savings plan Axel is using:

https://formulare.goldengates.de/goldengates/form/OnlineAbschlussneu/formperma/ZBZjZ04RbUCAyPIhQI9qKtOzIn9fAIoKdGW_ZYhfOrE?t=EG&id=An+den+R%C3%B6merh%C3%BCgeln+1&egr=1%2C0&ege=1%2C0

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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

Are you working twice as hard as your German colleagues but still earning less? 🤔

The government just released the 7th Poverty and Wealth Report, and the data is shocking. Even with a Master’s degree, expats in Germany earn thousands of Euros LESS than locals. We call it "Brain Waste," and in this video, we’re breaking down the official data to show you exactly why this is happening and - more importantly - how you can fix it.

Germany is a wealthy country, but that wealth is stuck at the top. If you feel like you’re doing everything right but your bank account isn’t growing, you’re likely stuck in the "Expat Wealth Gap."

In this video, we pull 4 specific levers to turn the statistics in YOUR favor:

✅ Lever 1: Ending "Brain Waste" – How to use §14 of the BQFG to finally get your degree recognized (even without transcripts!).

✅ Lever 2: The Language Payday – Why "Very Good" German is worth a 22% salary premium and how to get the government to pay for your courses.

✅ Lever 3: The Passport Booster – Why a German passport is worth €5,751 per year in net income and how the 2026 laws change your application.

✅ Lever 4: The Property Game – Why 65% of expats are "asset-poor" and how to use the new 2026 tax breaks to buy your first home without a massive inheritance.

Stop being a victim of the system and start mastering the German financial game.

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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

The CEO of Techniker Krankenkasse (TK) just issued a massive warning: Without radical reform, your healthcare contributions could skyrocket to 20% of your gross salary. For high-earning expats, this isn't just a headline - it’s a direct attack on your net income. 😱

In this video, we go beyond the complaints and look at the hard data. Why does Germany spend more than almost any other country in Europe, yet rank second to last in the Public Health Index? 🤔

We break down the 3 "Open Wounds" of the German system:

💰 The Financial Black Hole: Why 45 Billion € disappeared last year and where your "hijacked" contributions are really going.

⏳ The Service Desert: Why you wait 42 days for a specialist while doctors spend 3 hours a day on paperwork and fax machines.

🏥 The Repair Trap: Why Germany focuses on "fixing" you once you’re sick instead of keeping you healthy - and what that means for your life expectancy.

Want to see if you can escape the "20% Madness"? Book your free 1-on-1 Strategy Session with us.

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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