Do you speak Money fluently?

It often feels like money is a foreign language that we have to learn.

  • You could learn it from friends, but are they competent enough?
  • You could learn it by picking up a book, but is it specific to Switzerland?
  • You could learn it from your banker, but does he have your best interests at heart?

I don’t want to be your money teacher. I want to be the guy who helps you hack the exam: all of the answers for a fraction of the effort. Just sign up ↓

Comments about our courses

Jim, 65, 20 years in Switzerland

I’m actually retired and so when I heard about this money course, I said: oh, that’s for everyone else. But the reality is: it’s for everyone. My wife and I had a budget. We were already in retirement so we kind of said: what can we learn from this course? But the reality is that we learned a lot […] Yann has an excellent way of explaining things in a very simple way. So even though I had a budget before, I tore my budget and redid a new one based upon the course. I guarantee that you’ll learn something special. He knows about certain of the Swiss specific rules that you need to know. So if you’re thinking that you’re an expert in finance or money or investment, don’t fool yourself: we can all learn something.

 

Severin, 30, Swiss

[…] I’m really impressed by how thorough your research was and you put it together in a very understandable way. Using the example of Robinson was a very good way of getting the intuition of what investment is all about and how ressources are limited and how someone should think about allocating them. You did a really good job on the presentation and also the way you presented it in a very simple way given that these topics are not all that simple. You really reduced it down to something that people can understand and that was really good as well.

Benny and Jacqui, from New-Zealand

Benny: We participated last year. I found it really helpful especially with like being here in Switzerland, rules are different, you don’t know everything and it’s really helpful to have inside information. […]

Jacqui: As an example, one of the things we talked about was health insurance and for expats living in Switzerland, it’s a bit strange. So we listened, we took in on board, and we put it into practice, and we ended up changing our health insurance. We ended up spending less per month and getting more benefits. So that’s just one practical thing. And Yann also explains: why do you do it this way? Why do you do it that way? And you can ask any questions, no questions are dumb. And maybe you’ve been good at budgeting when you started out and things have fallen on the wayside as life changes but it brings you back to: what are your goals now?

Stacy

I got a lot out of it, thank you so very much Yann. I cannot wait until I come back [to Switzerland] to start implementing some of it. Like the stock market, I was going to completely stay away from it altogether but after today’s session, I will consider doing some more research, especially on that ETF thing. It has been very beneficial, I’m very happy that I took it.

Quentin, 35, Swiss

It was really interesting. Broad and general, giving a really broad picture. Also very easy to follow and nicely paced, good examples and so on. So I really appreciated it.

Dayo, 51, from England

Loved that this course kicks you up the backside to tidy up on the small admin tasks and gives you a glimpse into what else there could be. I’ve saved 2k per year just by using your rent trick and I think I could easily save another 5k combining all the other things.

We won’t mow your money lawn as it grows

Traditional financial advice isn’t wrong – it’s just full of biased half-truths. That’s because Financial Advisors are not advisors ; they are salesmen paid by commission and fees. Often, what is most profitable to them may not be most profitable to the client. We sell only education.

Hey! I’m Yann

  • Do you live in Switzerland and feel like money is a foreign language?
  • Are your colleagues talking about “pillars” at the coffee machine and you’re unsure why architecture is such a popular topic?
  • You don’t care about money or being rich but the little voice inside tells you that you should still have some sort of plan?
  • Do you earn a decent salary and you wish you knew what to do with what is left on your account at the end of the month?

Then you and me from 2011 have a lot in common.

After being almost ripped off by an insurance salesman 10 years ago, I started to read everything I could find about personal finance, investments, retirement, and financial life planning. Now, I want to show you how you can use money as a tool to reach your goals and point you to all the shortcuts one only sees in hindsight.

Latest blog articles

My best investment so far

Is performance everything when it comes to investment? In this article, I'm going to tell you why I might prefer 10% over 400% returns.  I started to invest my money in 2016. Since then, the stock market has returned around 17% annually. So 10,000 francs invested...

Everything Wrong with FIRE

Who wouldn't dream of retiring at 40?  FIRE stands for Financial Independence, Retire Early. It is a movement that aims at promoting a very unusual life plan: save at least 50% of your income and invest it in low cost index funds (usually a 60/40 mix of stocks...

How to instantly become a millionaire

This is definitely a click-bait title. No one can instantly become a millionaire. It takes time and effort and IQ and luck to earn that much money. That’s what we are told at least. But there is a simpler way, and it starts with a friend, one hair, and a 10 francs...

How to never pay back any of your mortgage

This is an advanced strategy to never pay back any of your mortgage. Do not attempt to duplicate, re-create, or perform the same or similar strategy at home, as bankruptcy may result. This is advanced stuff, only the crazy ones, the misfits, the rebels, the...

Third pillar: is it worth it?

Opening a third pillar can seem like a no-brainer. But it’s not always worth it.  The most common personal finance advice in Switzerland is probably: open a third pillar account to lower your taxes. You’ve probably heard it before. But just in case you haven’t,...

Swiss mortgages – the good, the bad, and the ugly

Let’s be honest: Swiss mortgages are weird. I can’t say that they are unique in the world in terms of structure but they’re at least unusual. Some features are great but some are just ugly. In this article, we’ll explore all the facets of Swiss mortgages. This...

Popular (but wrong) beliefs about investing – Part 1

What is the one thing about investments that you know to be true? If you had asked me 10 years ago, I would have for sure answered that the stock market is a casino. Here was my thesis: "Prices go up and down for not reason and only idiots would risk their money like...

The selfish reason for donating to charity

This is not a guilt-tripping article, I promise. And I’m not going to tell you how donating money will make you feel better inside either. What I’m going to tell you is how donating money could very well be profitable to you. In other words, donating money might...

A « no » worth 80k and counting

If there is one thing that people underestimate, it's the importance of the first salary. Because whatever salary you get the first year, you will get the second year, and the third, hopefully with little increases. So one thousand more per year means 40 thousands of...

How much money do you actually need to save?

Some people don't save enough. Everybody knows that. But a lesser know truth is that some people save way too much. They are afraid that they will run out of money in retirement, so they deny themselves goods and services, living a life of frustration, only to end up...