Having a regular income, financial security, no shortages – all of these things represent prosperity. It is the goal of German policy for as many citizens as possible to lead a life free from worry. Reaching that goal is easiest when there is sufficient employment. With the money earned through employed work, salaries are paid. At the same time, these jobs sustain the social security system, ensuring that the sick will receive medical care and the elderly their pensions.
As individuals, we usually measure our prosperity through the balance in our bank accounts. If there is money left at the end of the month, that is a good sign because the money that is not spent immediately may be saved and used to provide for the future. But in the current low interest rate environment, saving does not appear to be an attractive option. How can we help people with their personal financial provisions in these times?