Maximize Retirement Savings with Basisrente

Germany has a legal hack that lets you invest your pre-tax salary instead of your post-tax salary.

It’s done through something called the Basic Pension, or Basisrente. It was originally

for the self-employed, but now anyone can use it. You invest in this plan,

and it massively lowers your taxable income. When you file your taxes,

you get a huge refund back. Here’s the secret sauce: you take that tax refund

and immediately reinvest it. By doing this for a few years, you transition from

investing your net pay to investing your gross pay. Your money snowballs, growing much faster

because of compound interest and because it's tax-sheltered, meaning no 25% capital gains tax on your