We welcome females, woman, femme, genderqueer, non-binary or trans who want to take responsibility for their finances, career and independent future.
The only LICENSED provider combining Career coaching and Financial consultations in GERMANY. Shape your financial future. Are you wondering if you are well prepared for your future retirement? We offer workshops, advice & creation of individual savings investment forms for retirement planning. Do you have the feeling to remain below your abilities? But you don't know how to
change that - then FrauFUTURE is the right place for you! Find out where your true
interests and goals lie. We offer individual Coaching and Mentoring for career and professional goals.
16/11/2025
“We work in Germany, pay taxes in Germany – but we don’t have a pension plan.”
If this sentence feels a little too familiar… this post is for you.
So many women & expats in Berlin (and all over Germany) are:
* working in cool startups
* building products, teams & communities
* paying taxes here
…but when they ask about a company pension plan (bAV), they hear:
“Later.”
“It’s complicated.”
“We don’t really have that.”
Here’s the truth:
You’re allowed to ask questions.
You’re allowed to care about your future you.
You’re allowed to say:
“I love my job – and I also want a solid retirement plan.”
At FrauFUTURE, we help:
* Employees understand what’s possible in Germany
* and companies set up simple, fair company pension plans for their teams
If you’re thinking:
“Wow, this is exactly my situation…”
you’re not alone.💚
👉 Save this post for your next salary / benefits talk.
👉 Share it with a friend who also works in Germany.
👉 And if you want support or have questions, send us a DM with the word PENSION and we’ll point you in the right direction.
12/11/2025
50 women.
1 question: “How much income do you want in retirement?”
The room came alive — laughter, numbers, dreams, and powerful visions of financial independence. 💪✨
Women do talk about money.
We plan, we learn, we act — together.
Join us for a FREE, no-nonsense webinar designed to help you take control of your financial destiny with confidence and clarity.
01/01/2025
20/12/2024
WOMEN NO LONGER NEED TO HIDE BEHIND MEN WHEN IT COMES TO FINANCES
While women tend to invest less frequently than men, they often outperform them when they do:
Thanks to their consistent approach to investing, women often achieve better returns. Additionally, many women are better at assessing investment risks and take the time to gather comprehensive information.
WOMEN EARN 21% LESS THAN MEN AND RECEIVE, ON AVERAGE, 40% LESS IN RETIREMENT PAYMENTS
When it comes to money, love and friendship don’t have to stop – especially if both partners earn equally or neither is financially dependent on the other.
However, many women still rely on financial security through their husbands or partners. In most cases, neither spouse gives much thought to how the woman will be financially secure in the event of a separation.
14/12/2024
The Truth About Your Pension: A Wake-Up Call
Many will retire with a statutory pension of around €1,200 per month—just 48% of their last net income. That’s today’s reality. What about 20–30 years from now?
For women, the challenges are even greater: the gender pay gap leads to a retirement pay gap, making it even harder to secure financial independence later in life.
💡 The Challenge:
Maintaining the lifestyle you enjoy today may not be possible without action.
💡 What Does This Mean?
You need to act now to close your pension gap. Start planning for your future, and we’re here to guide you with a confidential and realistic conversation.
Your future self will thank you.
11/12/2024
The Silent Death of Your Retirement Savings ⚰️– and How You Can Still Save Yourself🏜️
The nightmare begins slowly…🫣
Day by day, week by week, year by year, inflation eats away at your wealth🌓
What does this mean for you?
If you have €100,000 in your savings account today, it will be worth only €71,298 in just five years, based on the 2023 inflation rate. This isn’t fear-mongering – it’s simple math. 🧮
And this is just the beginning:
• ⚡️The average pension in Germany is currently around €1,250 net – hardly enough to get by.
• ⚡️By 2030, there will be 67 retirees for every 100 workers – today, it’s already 57.
• ⚡️Prices continue to soar: A pack of butter costs 64% more than it did four years ago.
• ⚡️Most people park their money in savings or checking accounts that don’t even come close to keeping up with inflation.
But there’s a way out🧭
While many watch helplessly as inflation eats away at their hard-earned money, smart investors have achieved an average return of 11% per year over the past decade🚀
And the best part?
• 😌No complicated financial products.
• 😌No risky speculation.
• 😌Just a simple, effective strategy.
How does it work?
🆓We’d love to show you in a free consultation 🆓
Why act now?
• Inflation doesn’t wait. Every day you delay costs you real money⏳
• Use this opportunity to lay the foundation for a secure and profitable future before the year ends🧧🚀
🗓️✅Book your personal consultation this month and start 2024 with a plan that truly works.
Lassen Sie sich von uns eine E-Mail senden und seien Sie der erste der Neuigkeiten und Aktionen von FrauFuture erfährt. Ihre E-Mail-Adresse wird nicht für andere Zwecke verwendet und Sie können sich jederzeit abmelden.
Frau Future was “born” in summer 2019 when Verena and Yvonne, met at a finance convention and elaborated on women, working life, private life, traveling the world and living in different countries. How we women have achieved so much in the area of female empowerment and female strength and yet how we always forget to think about our future and how we imagine to live comfortably when we go into retirement.
The questions we asked ourselves was: Do we settle with a “spouse” that is going to financially support us? Do we hope for our future children to take care for us? Do we rely on our substitute pension to keep us afloat? What happens when you are single granny? What happens when you don’t have any kids or your kids don’t want to financially support you because they live their own life. What if you want to be a world traveller at the beautiful age of 70? What is if we have lots of medical bills that an insurance won’t finance? Or if we want to use some saving money to buy a home?
And then Verena, the financial expert, asked me, the career woman with 20 years of cooperate work experience and living all over the world: “What have you actually done to prepare yourself?” “ I bought into property” I answered. “And else?” she asked. Bam, I never thought about other options to secure myself..... I actually didn’t even know what financial options are out there besides maybe stock market.... “I guess we need to look into your options” Verena smiled.
And here we are. We realised along the course of six months that probably a lot of other ladies have only a fragmented idea of pension planning and being a foreigner in Germany makes this even more challenging on where to start. So we decided to start up workshops and 1:1 consultations around finances to help, support, guide and be with every woman that seeks more to life and wants that security to know that she has prepared well for her senior days.
And when it comes to her career, purposeful living and gender equality we women need more career confidence and the techniques to push for what we want and what we are worth for. This is the coaching segment of “Frau Future” for her. The trusted friend to turn to when ever she’s in need for professional support on her career and finance goals.
We are here to listen, hear and build together her tailor made solution.
“We stand for financial independence for independent women.”
