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.
Career context
Lawyer in Munich
A regulated legal professional whose income depends heavily on local market conditions, regulation, and specialization.
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
Starting late
A financial life that begins later, leaving fewer years for compounding to work. Success relies on disciplined saving, steady income, and sustained focus over a shorter horizon.
Secondary scenarios
The steady builder
A balanced financial life built on predictable income growth, consistent saving, and long-term market participation. Progress comes from patience, stability, and compounding over time.
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.