{"id":6009,"date":"2019-09-17T17:40:09","date_gmt":"2019-09-17T17:40:09","guid":{"rendered":"http:\/\/themenectar.com\/demo\/salient-corporate-3\/?p=6009"},"modified":"2025-02-11T11:46:41","modified_gmt":"2025-02-11T10:46:41","slug":"stop-working","status":"publish","type":"post","link":"https:\/\/latour-finances.de\/en\/2019\/09\/stop-working\/","title":{"rendered":"Stop working!"},"content":{"rendered":"<div id=\"fws_69f2ac132c147\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 0px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<h4>How much money do you need to stop working now? When I ask my customers this question, the answers vary from one million to tens of millions of euros. There's no single answer. It all depends on your financial needs.<\/h4>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f2ac132cb44\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 40px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2 class=\"elementor-heading-title elementor-size-default\">1. First step: estimate your current and future expenses.<\/h2>\n<\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>When you stop working, some expenses will decrease .... and others will increase.<\/p>\n<p>The good news is that if your income drops, you'll normally pay less tax. Similarly, when you're no longer an employee, certain social security contributions are no longer due (unemployment insurance, for example). You can even move to a region where the cost of living is lower. You'll also have more time to do things yourself.<\/p>\n<p>But you'll also have new needs: more time = more leisure, which is rarely free. And don't forget: the older you get, the more comfort you need, and the things you can do yourself are increasingly rare. And don't forget that some insurances are still essential (and compulsory), and you won't have an employer to pay half of them! Finally, take inflation into account.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>\n\t\t<div id=\"fws_69f2ac132d4fa\"  data-column-margin=\"default\" data-midnight=\"dark\"  class=\"wpb_row vc_row-fluid vc_row\"  style=\"padding-top: 0px; padding-bottom: 40px; \"><div class=\"row-bg-wrap\" data-bg-animation=\"none\" data-bg-animation-delay=\"\" data-bg-overlay=\"false\"><div class=\"inner-wrap row-bg-layer\" ><div class=\"row-bg viewport-desktop\"  style=\"\"><\/div><\/div><\/div><div class=\"row_col_wrap_12 col span_12 dark left\">\n\t<div  class=\"vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone\"  data-padding-pos=\"all\" data-has-bg-color=\"false\" data-bg-color=\"\" data-bg-opacity=\"1\" data-animation=\"\" data-delay=\"0\" >\n\t\t<div class=\"vc_column-inner\" >\n\t\t\t<div class=\"wpb_wrapper\">\n\t\t\t\t<div class=\"nectar-highlighted-text\" data-style=\"full_text\" data-exp=\"default\" data-user-color=\"true\" style=\"color: #22b2a4;\" data-using-custom-color=\"false\" data-animation-delay=\"false\" data-color=\"\" data-color-gradient=\"\"><h2 class=\"elementor-heading-title elementor-size-default\">2. Second step: make sure your income from assets is sufficient to cover your current and future expenses.<\/h2>\n<\/div>\n<div class=\"wpb_text_column wpb_content_element\" >\n\t<div class=\"wpb_wrapper\">\n\t\t<p>Ideally, your assets should be substantial enough to enable you to live off the income they generate: rent, interest, dividends, etc. Don't forget that some income can vary - starting with dividends from your shares. Don't forget that some income can vary - starting with dividends from your shares. But also the income you receive from renting out your apartment (work to be carried out from time to time, for example). Another source of constant, guaranteed income, with no need for additional work or investment: life insurance. If you're 45 and have \u20ac350,000 in life insurance, you'll receive a monthly annuity of \u20ac1,000 for life, adjusted for inflation every year.<\/p>\n<p>You can also choose to dip into your capital (selling your shares as you go along, for example, or selling an apartment): it will then provide you with less and less income as it runs out. So you take the risk of living longer than you can afford! Not a very comfortable situation.<\/p>\n<p>Good news: from the age of 67, you'll have an additional source of income, the statutory pension. If you've worked in Germany for 20 years and earned an average of \u20ac100,000 a year, you'll be entitled to around \u20ac1,300 gross per month from Deutsche Rentenversicherung.<\/p>\n<p>More and more French people want to stop working while they're still young and in good health. And it's not just a dream for the elite! To discuss your options and define a personalized action plan together,\u00a0<a href=\"mailto:slatour@expatriation-allemagne.com\">click here<\/a>.<\/p>\n\t<\/div>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"How much money do you need to stop working now? When I ask my clients this question, the answers range from one million to tens of millions of euros. There's no...","protected":false},"author":2,"featured_media":6288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":{"0":"post-6009","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-retraite"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ne travaillez plus ! - Expat Finances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latour-finances.de\/en\/2019\/09\/stop-working\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ne travaillez plus ! - Expat Finances\" \/>\n<meta property=\"og:url\" content=\"https:\/\/latour-finances.de\/en\/2019\/09\/stop-working\/\" \/>\n<meta property=\"og:site_name\" content=\"Expat Finances\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-17T17:40:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-11T10:46:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/latour-finances.de\/wp-content\/uploads\/2019\/09\/retraite-plus-travailler-sophie-latour-1120x747-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1120\" \/>\n\t<meta property=\"og:image:height\" content=\"747\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sophie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sophie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/latour-finances.de\/2019\/09\/ne-travaillez-plus\/\",\"url\":\"https:\/\/latour-finances.de\/2019\/09\/ne-travaillez-plus\/\",\"name\":\"Ne travaillez plus ! 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