If your salary stopped tomorrow, how many months could you cover? Most senior tech professionals guess three or four. When they actually check, it’s usually closer to one.
The guide walks you through the calculation properly — including the costs almost everyone forgets.
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Written for English-speaking tech professionals in European cities who earn well and still end the month with nothing left. If you have ever rebuilt the same spreadsheet three times, this is for you.
Khen Quartey is a Munich-based technology professional who earned a senior salary and still ended up thousands of euros in debt — not through low income, but because there was no system underneath it. The approach in this guide is the one that fixed that, and it has not produced a month at zero since.