Everyone makes the same five mistakes at first: the “I’ll figure it out later” trap, flipping between public and private health insurance, calling rent “dead money,” sleepwalking through a company pension, and trusting pensions without running the numbers. We unpack each one with simple, international friendly frameworks: fair rent-vs-buy math, how to think about GKV vs. PKV, what employer “matching” really means in bAV, and why your pension deserves a realistic line in your plan.

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