2025: The most important financial changes in Germany! Open a free account: ►► https://link.finanzfluss.de/go/depot?... *???? Track your assets with Finanzfluss Copilot: ►► https://www.finanzfluss.de/copilot/ ???? ℹ️ More information about the video: As you already know from previous years, we have once again compiled the most important financial innovations for the coming year for you at the turn of the year. Have fun! • Health insurance comparison: https://www.finanzfluss.de/vergleich/... • Current account comparison: https://www.finanzfluss.de/vergleich/... • Car insurance guide: https://www.finanzfluss.de/versicheru... • Sources: https://docs.google.com/document/d/1E... ???? Our recommendations: https://link.finanzfluss.de/go/empfeh... • Depot: https://link.finanzfluss.de/go/depot?... *???? • Credit card: https://link.finanzfluss.de/go/kredit... *???? • Current account (+75€ bonus): https://link.finanzfluss.de/go/giroko... *???? • Crypto exchange (+10€ bonus): https://link.finanzfluss.de/go/krypto... *???? • Call money (interest rate comparison): https://link.finanzfluss.de/go/tagesg... * ???? ???? The best interest rates! • Daily money comparison: https://link.finanzfluss.de/r/tagesge... • Fixed deposit comparison: https://link.finanzfluss.de/r/festgel... ⚒️ Useful tools for your finances • Household book (Excel) https://link.finanzfluss.de/go/hausha... • Kommer World Portfolio (Excel) https://link.finanzfluss.de/go/weltpo... • Step-by-step guide to investing: https://link.finanzfluss.de/go/invest... ???? Podcast, Instagram & more: https://www.finanzfluss.de/linkliste?... ???? The new Finanzfluss book! ►► https://link.finanzfluss.de/go/finanz... * 0:00 Intro 0:29 1. Basic allowance increases 1:56 2. Child allowance increases 2:39 3. Exit tax on funds and ETFs 3:46 4. Loss offset limit for futures transactions falls 4:31 5. Real-time transfers become mandatory 5:31 6. Additional contributions to statutory health insurance increase 7:27 7. Increase in nursing care insurance contributions 8:08 Interim conclusion: Impact of the changes on net salary 8:56 8. New income limit for parental allowance 9:30 9. Pensions increase 9:57 10. Fewer pension points 10:52 11. Child benefit may be increased 11:13 12. Housing benefit is increased 11:22 13. Minimum wage increases 11:30 14. Mini-job limit increases 11:42 15. CO₂ price rises 12:37 16. More dynamic electricity tariffs 13:27 17. Type class classifications for motor vehicle liability insurance are changing 14:05 18. Deutschlandticket is getting more expensive 14:17 19. Letters are getting more expensive and taking longer 14:54 20. Right to a reduction in mobile phone charges 15:27 21. Electronic patient records are coming 16:05 22. Federal election on February 23 ---------------------------------------------------------------------------------------------------------- *This is an advertising or affiliate link. If you click on this link, buy something or complete a transaction, we will receive a commission (depending on the provider). This will not incur any additional costs for you and you will support our project. Thank you for your support! ????