Independent and uneven
A non-linear income path shaped by project-based work, variability, and self-managed risk. Flexibility is high, but consistency must be actively created rather than assumed.
Career context
Freelancer / Contractor in Munich
An independent professional offering services on a contract basis, with higher income variability and potential upside.
Germany
Germany combines high income stability with relatively high taxation and cost of living. Strong labor protections and predictable career paths reduce volatility but limit upside.
Munich
Munich offers very strong income potential in high-skill sectors, along with some of the highest living costs in Germany.
Primary scenarios
A volatile financial ride
A highly unstable financial path combining income uncertainty, market swings, and repeated adverse events. Outcomes range widely, from recovery and growth to prolonged stagnation.
Secondary scenarios
Peak earning years
A high-income trajectory with strong saving capacity and rapid wealth accumulation. Compounding works faster here, but results remain exposed to market cycles and timing.
Fast-track independence
A high-intensity saving and investing strategy aimed at reaching financial independence as early as possible. Strong outcomes require discipline, sacrifice, and tolerance for market risk.