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Finance Phoenix

An online learning platform + experiential community dedicated to helping you achieve financial freedom.

06/05/2026

You can’t build financial freedom if you don’t know your **savings quota** 👇

Most people focus on *how much they earn*.

What actually matters is **how much they (you) keep**.

So let’s break it down.

# # # ✔️ Step 1: Know your savings quota

Your savings quota is the percentage of your income you save and invest.

**(Money saved per month ÷ net monthly income) × 100 = Savings quota in %**

Example:

You earn CHF 10’000.- net

You save CHF 1’500.-

→ Savings quota = 1**5%**

👉 **Why this matters**

Your savings quota determines:

- how quickly you build wealth
- how dependent you stay on your salary
- how flexible your future choices will be

Two people earning the same income can end up in completely different places — purely because of their savings quota.

# # ✔️ Step 2: When are you financially free?

Financial freedom starts when **your invested assets can cover your lifestyle** — without work.

Rule of thumb:

- Calculate your **monthly expenses**
- Multiply them by **30 × 12**

That’s your **BIG Freedom Number!**

Your savings quota decides **how long it takes to get there**.

Higher income helps.

Lower expenses helps.

Investing helps.

Using the Swiss 3-pillar system correctly helps.

But your savings quota is the real driver.

Financial freedom isn’t magic.

You just need to learn how it works.

👉 Comment “workshop” to learn everything you need to know.

05/05/2026

All you have to do is take one step:

💥 Invest it 💥

That’s it.

With an assumed average return of 7% over time (which is very possible with a passively managed index fund strategy), your savings could 5x themselves - without lifting a finger after setting it up.

And yet… most women aren’t doing this.

Why?

Because we were never taught how investing actually works.

Or we’re told it’s “too risky” or “not for us.”

Or we just feel too overwhelmed to get started.

But here’s the thing:

- You do NOT need to be a math genius or be a stock market wizard.
- You do NOT need tons of money in the bank to start investing.
- You just need a clear strategy and the confidence to actually begin.

If you’re ready to stop *only* saving and start actually **building wealth** - ****it’s time to talk.

Saving is smart. But investing is where the magic happens.

And the earlier you start?

The bigger the payoff.

Let’s make that million happen.

You in?

Comment “workshop”!

27/04/2026

How to split expenses fairly - even when one partner earns more? What do you consider fair?

Let’s say one earns 120k and the other earns 80k…Why would you split everything 50/50?

That’s not fair and the math ain’t mathing.

Try this simple method instead:

✅ Add up your monthly joint expenses

✅ Calculate what % of the total income each person earns

✅ Contribute that % toward shared costs

It’s called an equitable split: not equal, BUT this is what’s actually fair in a relationship. In a marriage when one is staying home, this is a whole other conversation. Believe me, I see things and how married couples slip cost and one is living off of an “allowance” (Sackgeld) that the other one is giving them. Because one is working and the other one is working at home and bringing up the kids.

I’m not against allowances, but you do them together. Both get an allowance, both are in control of the money.

NOT… one decides over the other. Because that’s financial control… But that’s a whole different conversation.

Taking care of both your finances together and speaking about it has statistically been proved to make couples stronger, it helps prevent resentment and burnout (yes, financial burnout is real).

Because love might be 50/50.

But your income probably isn’t.

And financial independence? Always NOT negotiable.

How do you and your partner handle money? I’d love to hear 👇🏼

24/04/2026

Why do I love teaching people about money?

Because money isn’t really about money.
It’s about freedom.

Freedom to leave a relationship that no longer feels safe.
Freedom to say no to a job that drains you.
Freedom to take a break. Start over. Move countries. Start a business. Work part-time. Stay home longer with your kids.

Money gives you options.
And options give you power.

I’ve seen women stay in situations they hated — not because they wanted to, but because financially they felt trapped.

And I’ve seen what changes when they understand their numbers, build assets, invest consistently, and create their own safety net.

So you can decide what you want your life to look like and actually have the means to choose it.

Financial knowledge isn’t just practical.
It’s liberating.

And if you’re ready, then comment “Flying Free” to make the first step.

22/04/2026

The 3 most common types of insurance structures:

1️⃣ **Pure risk insurance**

Covers death, disability, incapacity to work.

If nothing happens, there’s no payout.

It’s protection. Period.

2️⃣ **Savings / investment products**

Your money gets invested over time.

No insurance component.

3️⃣ **Combined products (risk + savings in one contract)**

Protection and investing bundled together.

Now here’s my professional opinion:

I usually recommend **separating risk and investing.**

Why?

Because they serve two completely different purposes.

Insurance is there to protect you against financial catastrophe.

Investing is there to build wealth.

When you combine them, you often get:

- higher fees
- less transparency
- limited flexibility
- lower returns
- long lock-in periods

And if life changes? You can’t easily adjust one part without affecting the other.

Instead:

✔️ Use pure risk insurance for protection.

✔️ Use dedicated investment solutions to build wealth.

Let’s talk!

22/04/2026

stake?

Yes, I’m a financial planner.
And yes - I’ve made money mistakes too.

Here are a few things I’ve done wrong when it comes to investing and finances:
• Waited too long because I wanted to “understand everything perfectly”
• Overcomplicated things instead of keeping them simple
• Delayed decisions because I was afraid of making the wrong one
• Underestimated how powerful consistency actually is

The biggest mistake?

Thinking you need to be 100% ready before you start.
You don’t.
Investing isn’t about being perfect.
It’s about being consistent.
And money isn’t about never making mistakes.
It’s about learning from them faster than you repeat them.

So you want to start learning? Comment “Flying Free” and you’ll make the first step. It’ll be worth it. I guarantee that ;-)

19/04/2026

Why you need *multiple* 3a accounts

Let’s say you’re about to retire and you’ve saved CHF 250’000.- in your 3a.

If you pull it out all at once?

🔥 Boom, progressive taxation hits you hard.

You could pay around CHF 35’805.- in taxes.

BUT… if you had that money spread over 5 accounts, and withdrew them across 5 years (61, 62, 63, 64, 65)?

Way cooler. You’d pay about CHF 24’390.- total.

That’s a savingof CHF 11’415.-.

Yes. Really. Cash in your pocket!

You can use for vacation in your retirement. 😊

# # # **🛠️ Setting up multiple accounts is easier than you think**

My suggestion for you:

✔️ Aim for 5 accounts

✔️ Split your contributions evenly between them

✔️ Don’t wait until one is “full” before opening the next

✔️ Start now!

Bonus: If you want to start a business or buy property, you can tap one account without touching the rest.

16/04/2026

A friend of mine just hired a Personal Trainer - and what she told me made me think twice. She said: “I don’t need someone to explain workouts. I need someone to make sure I actually do them.”

Boom.

There it was.

She wasn’t paying for more information.

She was paying for follow-through. For accountability.

For someone to say: “Come on. One more rep. You’ve got this.”

And I thought: That’s exactly what financial coaching is.

Most of the women I work with already know the basics.

But they still feel stuck. Why?

Because knowing ≠ doing.

And that’s where 1:1 coaching and group accountability partners comes in.

Not with a lecture.

But with momentum. A clear plan. And someone by your side.

Someone to kick your A** when you need it.

👉 To finally get your pension sorted

👉 To move past the “I should…” and actually start investing

👉 To understand how much of this bucket of money should I be investing and how

👉 To build a money system that works in real life, not just on paper

Your finances deserve the same care and consistency you’d give your body.

So if 2026 is the year you finally want to feel on top of your money - don’t go it alone.

💬 Comment with “workshop” and I’ll send you all the details of my next workshop - no pressure, just info.

13/04/2026

Hard truth, but an important one 👇

The **1st and 2nd pillar are not enough**.

Yes, they’re essential.

Yes, they create a foundation.

But they were never designed to fully maintain your lifestyle.

👉 The 1st pillar (AHV) is there to secure basic needs - not comfort.

👉 The 2nd pillar helps close part of the gap, but depending on your income, career breaks, part-time work or self-employment, it often falls short.

For many people, retirement income from pillars 1 and 2 covers **only around 50-60%** of their last salary and for women and high earners it’s often significantly less.

That means:

- less flexibility
- fewer choices
- and a lifestyle adjustment many don’t see coming

Financial freedom and long-term security don’t happen automatically in Switzerland.

They’re built- intentionally.

That’s why **pillar 3, investing, and personal planning** aren’t “nice to have.”

They’re necessary.

The earlier you close the gap, the calmer your future self will be.

If you haven’t set up your 3a account (and in the best case - multiple accounts) then let’s talk!

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