In recent days, a dpa-item was taken up by some national dailies. In the article it comes to life as a digital nomad. And since you for a story always needs a protagonist, where you can moor it all, the author has used for my story.
Whenever people are introduced to this topic, a question emerges with certainty: “But how do you care for before?” Also at the conference for digital nomads in May she was found. Suddenly the microphone ended up with me and I was a bit terse reply: “I spend every month less money than I take.” I do not know if that arrived right at the audience. Now I’d like to go in more detail on it.
From my perspective, this issue occurs only therefore repeatedly because three wrong assumptions.
Wrong assumption # 1: Digital Nomads are a special case
By now I’ve gotten used to this question. But when I first heard for the first time, I did not realize why I get asked that. This question could yet make any self-employed and business owners! Digital Nomads are nothing but self-employed, will travel a bit around the world. They are (usually) not completely detached from society, even though the name suggests that.
Each is a little different to, but I pay my taxes in Germany, I am of private medical insurance and like most self I pay not included in the statutory pension scheme, but has even put back money.
False Assumption # 2: Self-employed earn little money
In Germany, there is a great distrust of self. What is understood in the United States as an opportunity in Germany is a risk. Of course it is both. But it is not as risky as it is perceived from us – certainly not when you are working online.
Independence – and in particular digital nomadism – is often equated with it to earn some money. Yes, there are a few people who are looking forward media attention about the fact that they need no more than 1,000 euros a month in Thailand. These messages underline only the image of the impoverished online entrepreneur. So it must not be! A good example is Conni Planet Backpack that deserves alone with her blog from 4000 to 6000 euros per month. There are others, but not everyone is so open about numbers.
One problem with these low expectations is that you will deserve the always what you expect. If you think 2,000 euros a month are already a blast, then you will eventually end up there. But who wants to earn 10,000 euros, goes automatically zoom with a different mindset to the independence.
But I do not understand why the expectations at all is so low. As an employee you manage somehow to create enough value in order to pay your salary and social and even to make a profit for the entrepreneur. So you have the capacity for it! Why should you not have the self-employed?
The only difference is, in my view, that employees immediately earn money while self-employed often have to go in advance. It takes a while until everything runs smoothly, but when the time comes, can earn much better self for the same job – or take the liberty, not as much work.
False Assumption # 3: Employees worry miraculously before automatically
This third assumption actually contains two false assumptions.
a) That you completely take precautions as an employee of its own accord
Employees interested in especially for their net salary. That which arrives on the account. Everything is so far already gone off it, they never get to see. Therefore, it does not act as if they were provisions with their own money. But these duties has even earned the employees. In addition, there is one employer’s share, but also nothing more than a tax, which generated the employees.
These are large sums that since come together each month. If you were not insured by law, the same money would end up in your account. So it is with self. The then simply need to have the discipline not to spend the money, but to be understood as precautionary.
b) That the statutory pension scheme is a pension.
Who pays into the state pension scheme, not saving for themselves but will pay for today’s pensioners. But pay later generations (people who are not even born yet) again for our retirement. That is solidarity. However, it does not look after than would this bill, in a few decades.
Currently there is no solution to this dilemma. So we have to assume that the value of pensions will fall. Then we might talk about social assistance rates. Accurate you do not know. So the future is influenced in this respect by uncertainty. So precisely what are all afraid if they become self-employed.
Anyway, it’s very likely that you later do not get out what you deposit today. And because all this does not work out, and employees have long pensions with supplementary or savings.
If you were not insured by law, you could be the same money for yourself create. You can leave or take out private insurance or buy homes or find other solutions to your account.
So I worry ago
If you clean up even with these false assumptions, it should be easy to understand, as I precaution: I spend every month less money than I take. Because I need to do a self-employed precisely. My surpluses are not immediately transferred to the state and there secures for me. But they are on my account. And in the future they might get stuck in a condominium.