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All about sports: Documentations (Page 5)

Topic created on 13th Jun. 2023 | Page: 5 of 5 | Answers: 62 | Views: 6,002
Falko
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Documentations

29th May. 2025, at 02:37 pm CEST#62
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frapi07 wrote on 29.05.2025 at 12:28: Nobody at Klarna and co. cares - why should they? At 20, you should be old enough to know what you're doing.

No, at 20 you're not mature enough for that. You're still like a child who wants everything and doesn't think about the consequences. When I was that young, I thought very differently than I do today. Back then, when my mother told me to put some money aside, I just didn't want to listen. The adrenaline rush in the arcade was better than anything else back then. That's why it's so difficult today to get the younger generation interested in saving and making private pension provision. And by the time they reach a certain age, it's almost too late, because the money has to be deposited in such funds over several decades to ensure that it generates positive dividends and doesn't become a negative investment.

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frapi07
Elite

Documentations

29th May. 2025, at 03:25 pm CEST#63
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Liked this post: Avatar von Falko Falko
Falko wrote on 29.05.2025 at 14:37:

No, at 20 you're not mature enough when it comes to that. You're still like a child who wants everything and doesn't think about the consequences. When I was that young, I thought very differently than I do today. Back then, when my mother told me to put some money aside, I just didn't want to listen. The adrenaline rush in the arcade was better than anything else back then. That's why it's so difficult today to get the younger generation interested in saving and making private pension provision. And by the time they reach a certain age, it's almost too late, because the money has to be deposited in such funds over several decades to ensure that it generates positive dividends and doesn't become a negative investment.

Of course, the first ones have to start saving at 16-17 so that they can get their driver's license. Most of them are also doing an apprenticeship, so they know how much they are currently earning and how much they can spend. The problem is that people take advantage of this financial freedom and then easily lose control. It's not just 20 year olds, but also people aged 23-25. The problem is that it's too easy to buy in installments. If there were a hurdle (perhaps a maximum of one month's salary), then nobody would accumulate several thousand euros in installments. But nothing is being done about this and I think it's a good thing. Imagine you want to buy a 3000€ TV in installments, but you only earn 1500€. You wouldn't be able to because the state wants to protect you from getting into debt. It's similar to gambling and the €1000 limit

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JJepsa96
Amateur

Documentations

29th May. 2025, at 07:00 pm CEST#64
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Installment payments and small loans can quickly lead to major over-indebtedness, so protection against this is not a bad idea. I once watched an interesting documentary about this, but unfortunately I can't find it anymore.

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