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Joined 8 months ago
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Cake day: June 11th, 2025

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  • Deutsche Rentenversicherung should send you an estimate of how much pension money you are going to receive every year. Assume that is optimistic, but a good baseline. I assume the matching program you mentioned is a Betriebliche Altersvorsorge (bAV)? Those usually also tell you how much they will pay you as a minimum, and another estimate based on normal economic growth.

    Chances are that those together will not be enough to match your wage at retirement. So you should plan your savings so you can cover the difference for at least 16 years (which is the current life expectancy at 67 years old in Germany), and overshoot that if you can.












  • From UNICEF’s Children’s Version/TLDR the Convention on the Rights of the Child:

    1. Best interests of the child

    When adults make decisions, they should think about how their decisions will affect children. All adults should do what is best for children. Governments should make sure children are protected and looked after by their parents, or by other people when this is needed. Governments should make sure that people and places responsible for looking after children are doing a good job.

    1. Family guidance as children develop

    Governments should let families and communities guide their children so that, as they grow up, they learn to use their rights in the best way. The more children grow, the less guidance they will need.

    (emphasis mine)

    1. Protection from violence

    Governments must protect children from violence, abuse and being neglected by anyone who looks after them.

    This, plus all the rights that state that the default should be children being raised by their families, means what you are saying is literal international law everywhere except the US (though it’s a application is still… frankly non existent in most of the world)