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About the book
Why do so many people struggle with money—despite working, wanting to save, and “basically knowing” what would make sense?
Because money is not primarily about ETFs, savings plans, or returns.
It is about attitude. behavior. honesty.
The Financial Compass is not a traditional finance book.
It is a clear, direct guide for people who are tired of chasing money—and want to start steering it consciously instead.
This book is for you if you:
- barely make progress despite having an income
- want to get rid of debt or financial insecurity
- don’t want to look rich, but live free
- are tired of empty promises, quick tips, and YouTube hype
What you can expect:
- Why money problems rarely come down to income—but almost always to behavior
- How to systematically reduce debt and stay debt-free for good
- Why consumption offers short-term comfort but long-term captivity
- How to gain control over your finances—without Excel madness
- Why relying on the state pension is not a plan, and personal responsibility is not a luxury
- How to build wealth step by step without overwhelming yourself
- Why small amounts, clear rules, and discipline matter more than talent
No complicated formulas.
No financial jargon for professionals.
No false promises.
Instead:
plain language
structure
psychological insights
practical steps that work in real life
The Financial Compass is not for people who want to “get rich quick.”
It is for those who want to sleep well, live debt-free, and take their future into their own hands.
Financial freedom does not begin with a lot of money.
It begins with a decision.
And this book helps you make it.