Understand your finances.Plan your Five practical video courses for people aged 40 and over in Germany. From everyday money to preparing for retirement—clear explanations, at your own pace.
5 practical coursesDE / EN two languagesFrom €99.99 including VAT
b. Maximilian Hoffmann Founder & instructor
↗ A clearer picture.
BROVELA / FINANCIAL EDUCATION Understand the everyday Decide with clarity Prepare for the future
Knowledge to move forward A clearer picture. You do not have to change everything at once. Start with the foundations and build your own routine.
01 / Start with a clear picture Understand your starting point and identify the questions you want to tackle next.
02 / Knowledge you can apply Explanations, examples and worksheets help you work through what you learn.
03 / Grounded in German life From payslips to pension statements: learn with relevant terms, examples and documents.
Your learning path
Five courses. Choose the topic that matters to you now, or follow the full programme. Every course also works on its own.
01 Personal Finance Foundations Understand Your Financial Starting Point Organise your documents, understand your financial position and turn concerns into clear priorities.
General financial education. No individual financial, tax or legal advice, and no guarantee of financial results. Risk information
16 lessons 4 modules approx. 2 hours of video
Explore the curriculum For beginners and people reorganising their finances after a change. No prior financial education required.
Course 1 · Module 01 Understand your starting point Income, spending and the main areas of personal finance Assets, liabilities and net worth Distinguish available cash from asset values Build a complete financial snapshot Practical task: Complete a fictional financial snapshot, then record your own position privately.
Course 1 · Module 02 Organise your documents Map accounts, loans, insurance and pension documents Understand a German payslip Distinguish business receipts from personal income when self-employed Set up document folders and a contract register Practical task: Create a document index and identify missing information.
Course 1 · Module 03 Set goals and priorities Clarify personal needs and financial priorities Set measurable goals with an amount, deadline and first action Distinguish short, medium and long time horizons Compare competing goals by urgency and available resources Practical task: Complete a goal map with three clear priorities.
Course 1 · Module 04 Build a decision routine Recognise your money habits Ask about costs, risks, commitments and alternatives Distinguish education, sales and individual advice Choose three practical actions for the next 30 days Practical task: Create a manageable 30-day plan and schedule a regular review.
Your result A personal financial overview, three prioritised goals and a 30-day action plan.
Learning materials Financial snapshot, assets and liabilities register, document checklist, sample payslip, goal planner and decision checklist.
Suggested practical work: 2 hours. Keep your personal financial documents private.
02 Budgeting & Everyday Money Management Build a Budget That Works in Everyday Life Build a realistic budget for regular spending, annual bills and the goals that matter to you.
Budget examples are general learning aids. Savings are not guaranteed; no individual financial advice. Risk information
16 lessons 4 modules approx. 2.5 hours of video
Explore the curriculum For employees, self-employed people and households managing shared finances. Includes a recap of income and expenditure.
Course 2 · Module 01 Understand your cash flow Review sample statements and categorise transactions Separate fixed, variable, annual and unexpected costs Distinguish dependable income from uncertain extras Identify a surplus, shortfall or payment-timing issue Practical task: Analyse a fictional month and calculate the available spending amount.
Course 2 · Module 02 Build the monthly budget Compare different budgeting methods Plan essential and flexible spending realistically Turn annual bills into monthly provisions Include goals and a workable buffer Practical task: Create a monthly budget and a twelve-month bill calendar.
Course 2 · Module 03 Adapt the budget to your life Plan cautiously around variable income Separate business funds from household money Compare joint, separate and mixed household arrangements Adjust after a move or a change in working hours or income Practical task: Adapt an employee, self-employed or shared-household scenario.
Course 2 · Module 04 Keep the budget working Organise standing orders, direct debits and due dates Review subscriptions, fees and contracts Understand what causes overspending Compare planned and actual spending each month Practical task: Complete a month-end review and prepare the following month.
Your result A working monthly budget, an annual bill plan and a regular review routine.
Learning materials Printable budget, offline spreadsheet template, annual bill calendar, variable-income worksheet and monthly review.
Suggested practical work: 3 hours. Keep your personal financial documents private.
03 Debt Management & Financial Resilience Understand Debt and Prepare for Financial Setbacks Understand borrowing costs, organise commitments and prepare for unexpected expenses.
General education about borrowing and reserves. No debt settlement, credit repair or individual insolvency advice. Risk information
16 lessons 4 modules approx. 2.5 hours of video
Explore the curriculum For people learning about borrowing commitments or planning financial reserves. The course does not provide individual debt advice.
Course 3 · Module 01 Understand borrowing costs Distinguish instalment loans, overdrafts, cards and deferred payments Read balances, effective interest, terms and total repayment Compare monthly affordability with total costs Identify fees, optional extras and contract conditions Practical task: Compare two fictional borrowing offers and explain the trade-offs.
Course 3 · Module 02 Organise commitments and repayments Create a debt register with payment dates Check repayment capacity against a household budget Compare interest-first and smallest-balance-first approaches Examine refinancing and consolidation claims critically Practical task: Prepare two repayment scenarios for a fictional household.
Course 3 · Module 03 Prepare financial reserves Separate emergencies from predictable bills Assess reserve needs against household and income circumstances Plan gradual contributions and replenishment Explore lost income, delayed client payments or repairs Practical task: Complete a reserve plan privately and test a fictional disruption.
Course 3 · Module 04 Recognise limits and find help Recognise early warning signs Distinguish reminders, collections and court correspondence Find reputable debt counselling and prepare for an appointment Map existing protection and questions for professionals Practical task: Prepare a support-contact list and an appointment checklist.
Your result An organised debt overview and a plan for financial disruptions and emergencies.
Learning materials Debt register, borrowing comparison, repayment scenarios, reserve planner, emergency checklist and counselling preparation sheet.
Suggested practical work: 3 hours. Keep your personal financial documents private.
04 Saving & Investing Foundations Understand Saving and Investing Understand saving and investment options, compare costs and risks, and ask better questions before deciding.
General financial education, not individual investment advice. Investments can lose value; returns are not guaranteed. Risk information
16 lessons 4 modules approx. 3 hours of video
Explore the curriculum For beginners exploring saving and investing. A readiness check covers existing commitments and accessible reserves.
Course 4 · Module 01 Understand the foundations Define the purpose and time horizon of the money Understand inflation and purchasing power Explore interest and compounding with stated assumptions Distinguish willingness to take risk from capacity to absorb losses Practical task: Sort fictional goals by time horizon and required characteristics.
Course 4 · Module 02 Explore the main product categories Understand Girokonto, Tagesgeld, Festgeld and deposit protection Explore bonds, interest-rate changes and issuer risk Explain shares, ownership, dividends and possible losses Understand funds, ETFs and the limits of diversification Practical task: Compare product categories without selecting a product for a real person.
Course 4 · Module 03 Compare information and costs Read objectives, risks and holding periods in product information Identify account, transaction, management and other costs Distinguish broad diversification from sector or country concentration Understand Depot, Sparplan, Freistellungsauftrag and tax documents Practical task: Compare three fictional product summaries and list unanswered questions.
Course 4 · Module 04 Prepare decisions Document goals, timing, liquidity needs, costs and risks Test a fictional loss and a delayed goal Recognise pressure, unrealistic promises and conflicts Set review dates and recognise when individual advice is needed Practical task: Write an investment decision brief and questions for a fictional investor.
Your result A savings-goal map and a structured method for comparing investment information.
Learning materials Savings planner, interest and inflation examples, product and cost comparisons, glossary and investment decision brief.
Suggested practical work: 3 hours. Keep your personal financial documents private.
05 Long-Term Financial Planning Plan Your Financial Future and Retirement Organise retirement information, understand pension documents and build a clear long-term overview.
Retirement examples are not personal pension, tax or legal advice. Forecasts and pension amounts are not guaranteed. Risk information
16 lessons 4 modules approx. 3 hours of video
Explore the curriculum For employees, self-employed people and those approaching retirement. Includes a recap of budgeting and saving terminology.
Course 5 · Module 01 Make future plans concrete Identify retirement, housing and family goals Estimate future household spending Compare different dates and planning horizons Consider financial dependencies and major expenses Practical task: Develop a future-household spending outline.
Course 5 · Module 02 Understand German retirement documents Map statutory, occupational, private and other income sources Read Renteninformation and Rentenauskunft Review the Versicherungsverlauf and possible gaps Compare employee, self-employed and mixed-career examples Practical task: Annotate a fictional pension document and create a document checklist.
Course 5 · Module 03 Compare retirement scenarios Compare income and spending while separating gross and net figures Test purchasing power with different inflation assumptions Explore a different retirement date, reduced work and higher costs Understand longevity and poor returns early in withdrawals Practical task: Compare three scenarios with explicitly stated assumptions.
Course 5 · Module 04 Build a long-term routine Bring together budgets, debts, reserves and retirement information Prepare questions for pension, tax, legal or other professionals Create a family document-location and contact overview Set a 90-day plan and an annual financial review Practical task: Create a one-page roadmap with actions, dates and outstanding questions.
Your result A retirement information overview and a long-term roadmap with actions and review dates.
Learning materials Retirement checklist, fictional pension statement, future-spending plan, scenario workbook, professional question list and annual roadmap.
Suggested practical work: 3 hours. Keep your personal financial documents private.
The complete programme See the whole picture.All five courses. From your financial starting point to long-term planning: connect the topics in one coherent learning path.
All 80 video lessons in German and English Worksheets, examples and offline templates 3 months of email support · 1 year of course updates Five final assessments with Brovela completion certificates Complete programme €499.99 Total price including VAT · One-off payment Current individual total €639.95
Your saving €139.96
Request a callback No subscription. No additional course fee. Non-binding inquiry.
General financial education without individual advice or a guarantee of financial results. Risk information
A straightforward process
At your own pace. 01 Explore & inquire Compare the courses and prices. Request a non-binding callback.
02 Discuss & decide Our team explains the content and process. If interested, receive an offer and contract information by email.
03 Pay by invoice Explicitly accept an offer and pay the invoice by bank transfer.
04 Receive files & learn After payment is confirmed, receive your course files within one to two business hours.
↳ Keep purchased files for personal use. No account or online learning area. Business hours: Monday to Friday, 09:00–18:00, Berlin time. Statutory withdrawal rights remain unaffected. Refund policy
The person behind Brovela Your instructor MaximilianHoffmann. Making financial topics understandable and breaking them into manageable steps: that is the Brovela approach.
Maximilian Hoffmann holds an M.Sc. from the Technical University of Munich and has more than eight years of experience developing digital learning programmes. He develops and reviews the course content and answers educational questions about the material.
Get to know Brovela More than watching
Understand.Work it through. 01 Short, manageable lessons Most videos run for 6–12 minutes. Captions and transcripts help you revisit the material.
02 Apply it with practical materials Examples, checklists and templates support the lessons. Your personal financial records stay with you.
03 Final assessment & certificate 20 questions; pass at 80%. Retakes available. Brovela completion certificate after passing; not a state-recognised professional qualification.
Good to know Your questions. Still have a question? We are happy to explain the courses and the process.
Contact Who are the courses for? People aged 40 and over in Germany who want to understand personal finance: employees, self-employed people and those preparing for retirement. No financial background is required. The courses are not designed for professional investors or people needing individual financial or debt advice.
Can I buy courses individually? Yes. Each course is available separately and includes an introduction to essential concepts. The complete programme contains all five for €499.99 including VAT. Compared with the current individual total of €639.95, the saving is €139.96.
How do I learn, and in which language? Receive video files for local viewing, learning materials and a final assessment. Content is available in German and English. There is no account or online learning area. Learn at your own pace and retain purchased files for your personal use.
What about support and updates? Each purchase includes three months of educational email support and one year of updates to the purchased course. During business hours, you will normally receive an initial response within one to two hours. Questions are answered as general educational explanations, not individual advice. Updated files are provided by email during the first year.
Will I receive a certificate? Pass the 20-question final assessment with at least 80% correct answers to receive a digital Brovela completion certificate. Retakes are available. Return the assessment by email for review. This confirms course completion and is not a state-recognised professional qualification.
Does an inquiry commit me to buying? No. The form only requests a callback about the courses. It creates no purchase contract or payment obligation. An order requires a separate, express agreement by email.
Is there a money-back guarantee? No additional voluntary money-back guarantee is offered. Statutory withdrawal rights and rights concerning defective content remain unaffected. Our refund policy explains digital content and the accompanying support service.
Refund policy Are these personal investment recommendations? No. The courses provide general financial education. They do not offer personal investment or product recommendations, debt settlement, tax or legal advice. Investments may lose value; completing a course does not guarantee financial results.
Let’s talk One conversation. A clear next step. Want to find out more about the courses? Leave your contact details. Our team will get back to you within one to two business hours.
Outside these hours, handling starts on the next business day. No purchase is made through this form.
